Maria Ryndina
Beckenham
Summary
- Senior Risk and Controls Manager with over 19 years of experience in risk management, controls, oversight and reporting and a solid track record of leading complex transformation programs in global and heavily-regulated organisations. Adept at developing and implementing oversight, risk management and controls frameworks.
- Experienced Credit Risk Portfolio Manager and a Senior Credit Officer.
- Previously led EMEA Risk Governance & Controls Team, implementing RCSA, new quality assurance framework, overseeing controls testing, issues remediation and effectiveness of the controls environment.
- Collaborative leader with strong stakeholder management skills and ability to engage and influence across all levels and extensive experience of facilitating governance committees, interacting with senior management and regulators.
Overview
19
19
years of professional experience
5
5
years of post-secondary education
Work History
Banking & International Business Risk and Controls
Citibank
London, UK
11.2021 - 08.2024
- Led a global Transformation Programme to design and implement an enterprise-wide oversight and risk management framework for Citi legal entities. The framework enabled establishment of enhanced and proportionate governance, risk management, compliance, third-party management requirements and controls for over 400 legal entities;
- Partnered with Global Functions to design proportionate requirements covering all risk stripes, compliance, capital, liquidity, operational resilience, third-party management and risk appetite requirements for the legal entities;
- Developed a global policy and supporting procedures for the new oversight framework;
- Managed a global team of 10 to develop and implement the programme within budget and defined timeframe in order to mitigate regulatory and audit risks;
- Responsible for programme governance, delivering to the project plans and engaging with senior level stakeholders, including C-suite members, to review/approve programme related items as required;
- Partnered with Chief Country Officers and Administrative Officers to implement best in class governance frameworks and meet regulatory requirements;
- Collaborated with Business and Internal Audit to address key regulatory priorities
Credit Risk Portfolio Manager, Senior Vice Preside
Citibank
London, UK
01.2019 - 10.2021
- Credit risk manager for a portfolio of corporate clients across power, shipping and capital goods industries in Western Europe with $350MM approval authority for credit underwriting;
- Managed a portfolio of complex cross-product (derivatives, ECA financing, etc.) and interfaced with Business, Legal, Remedial Management and other functions to mitigate the risks;
- Responsible for credit decisions, execution and risk mitigation of transactions including acquisition financing, leveraged financing, recapitalizations, and securitizations;
- Reviewed, approved, and managed thorough credit analysis on a quarterly and annual basis.
EMEA New Activities Manager, Senior Vice President
Citibank
London, UK
02.2015 - 12.2018
- Supported risk assessment process for new products and complex transactions for Markets, TTS, Banking, Investor Services, Issuer Services and other businesses across all EMEA jurisdictions. Partnered with the business sponsors (i.e. Sales, Traders, Structures, Business Unit Managers, Product Managers) and all the relevant control functions (Legal, Compliance, Operations, Risk, Finance, Legal Entity Management, etc.) to identify key risks and mitigating controls for the new product;
- Responsible for reviewing the pipeline of activities from the internal Innovation lab and providing effective challenge;
- In charge of the risk assessment and appropriate review of the business reallocation triggered by Brexit with over 60 reviews across European countries completed on time;
- Pivoted quickly to understand new business processes, products and regulations and ensure required controls are put in place;
- Responsible for coordinating New Activities Approval Committees and appropriate documentation;
- Partnered with the business and control functions to ensure completion of all the pre-execution conditions before going live;
- Interfaced directly with regulators and external & internal auditors, facilitating detailed, data-driven updates. Liaised with various internal product and franchise risk approval committees on new product reviews, policy updates and regulatory reviews.
GCG EMEA Risk & Controls Manager, Vice President
Citibank
London, UK
02.2013 - 01.2015
- Established a new Risk Governance and Controls function to manage and oversee EMEA portfolio risk appetite compliance, limits, operational risk events, RCSA, strength of the controls environment and timely resolution of issues. Managed a team of three;
- Led development of the new reporting pack for senior management,
- Implemented Risk Appetite Framework for Consumer portfolios in EMEA region;
- Implemented new Quality Assurance Framework for the region;
- Responsible for design and implementation of an innovative target state for the new Governance and Controls Dashboard, covering key risk KRIs and the strength of the controls environment;
- Led the root-cause analysis and resolution of the critical failures and gaps within the risk function;
- Engaged with countries to develop appropriate and comprehensive lifecycle P&L models for portfolio benchmark purposes;
- Established a new Risk Governance and Controls function within GCG EMEA Risk to manage and oversee EMEA portfolio risk appetite compliance, limits and strength of the controls environment. Managed a team of three;
- Responsible for design and implementation of an innovative target state for the new Governance and Controls framework for EMEA GCG Risk;
- Coordinated and implemented various aspects of the new framework with the focus on meeting regulatory expectations. This included implementation of the new Risk Appetite Framework, Quality Assurance Framework, concentration limits, credit changes and tests and benchmarks across all EMEA GCG countries;
- Engaged with countries to develop appropriate and comprehensive single account lifecycle P&L models for portfolio benchmark purposes.
GCG EMEA Risk Reporting Head, Vice President
Citibank
London, UK
12.2009 - 02.2013
- Coordinated all senior level GCG EMEA Risk presentations, including EMEA Risk Committees, OCC/FED reviews, CRO reviews and others;
- Responsible for CCAR, LLR/FAS 114, Basel, quarterly budget/forecast process and appropriate documentation for the region;
- Accomplished in managing system migration projects;
- Developed critical EMEA Regional MIS covering Risk, Fraud and Collections reporting.
GCG EMEA Credit Risk Officer
Citibank
London, UK
08.2008 - 12.2009
- Engaged with Country Risk Heads and Global team to generate monthly exposure and loss forecast for the region and calculate loan loss reserves;
- Created/enhanced a monthly reporting pack for senior Risk Managers.
Credit Risk MIS Analyst
Citibank
Moscow, Russia
06.2006 - 08.2008
- Basel II, credit policy and collection MIS reporting, including productivity reports and calculation of monthly incentives for collection teams.
QA Specialist, Sales department, Consumer Banking
Citibank
Moscow, Russia
08.2005 - 06.2006
- Developed and enhanced control processes for Sales department;
- Responsible for daily/monthly reporting process and RCSA
Education
Master of Business Administration - Finance and Credit
Financial University of the Russian Federation
Moscow, Russia 09.2003 - 06.2008
Skills
Enterprise Risk Management; Credit Risk Management; Governance & Compliance; Controls; Operational Risk Management; RCSA; Transformation & Change Management; Risk Reporting; Project Management; Quality Assurance; Underwriting; New Products & Innovation; Third-party Management; Operational Resilience; Stakeholder Management; Critical Thinking
Timeline
Banking & International Business Risk and Controls
Citibank
11.2021 - 08.2024
Credit Risk Portfolio Manager, Senior Vice Preside
Citibank
01.2019 - 10.2021
EMEA New Activities Manager, Senior Vice President
Citibank
02.2015 - 12.2018
GCG EMEA Risk & Controls Manager, Vice President
Citibank
02.2013 - 01.2015
GCG EMEA Risk Reporting Head, Vice President
Citibank
12.2009 - 02.2013
GCG EMEA Credit Risk Officer
Citibank
08.2008 - 12.2009
Credit Risk MIS Analyst
Citibank
06.2006 - 08.2008
QA Specialist, Sales department, Consumer Banking
Citibank
08.2005 - 06.2006
Master of Business Administration - Finance and Credit
Financial University of the Russian Federation
09.2003 - 06.2008
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