Moises Marcos

Risk Professional, Strategy, Analytics, Business Intelligence @RFS Consulting

Risk ProfessionalTutorFinancial AnalystResearcherCompliance Officer💼 C-level ExecutiveProfessor🧨 ConsultingPortfolio Manager🏦 Finance🧮 EducationQuantitative AnalystCFOBanking OperationsLecturerBusiness AnalystAdvisorCustomer Researcher

Moises focuses on delivering risk solutions that enhance risk management strategies through advanced analytics and business intelligence. His goal is to identify risks and turn them into opportunities, thereby driving growth and profitability. He leverages analytical tools to gather, analyze, and interpret data, enabling his clients to make informed decisions and strategic plans. Moises works closely with clients to understand their unique business models and identify, assess, monitor and control risks. He provides them with actionable insights and recommendations to manage these risks effectively. Overall, his strategic approach to risk management is helping his clients to stay ahead of the curve in this ever changing business and economic environment.

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Work Background

Al Rajhi BankSenior Director Economic and Strategy Research

Apr. 2019Riyadh, Saudi ArabiaKey Achievements: Provide strategic vision generating significant business value by delivering essential intelligence on targeted business and risk strategies. Explore bank’s opportunities and key vulnerabilities through analytical analysis. • Provided opinions and insights to bring strategic direction to support bank’s strategy and decision-making via strategic reports and mastermind groups. • Amended corporate non-performing loan ratio by identifying industries in distress and downfall during outbreak of Covid-19. • Nurtured strong relationships with regulators, auditors, and rating agencies to create a proactive risk management approach. • Led end-to-end the preparation of the Recovery and Resolution Plan under the law of Systematically Important Financial Institutions. • Conducted direct survey with target departments to boost risk awareness and strengthen risk culture. • Collaborated for implementation of ESG framework and strategy. Key Accountabilities: Economic Research, strategy planning, forecasting, economic models, risk culture, strategic vision, stress testing, peer review, ESG

Al Rajhi BankDirector of Credit Portfolio Management

May. 2015 - Mar. 2019Riyadh, Saudi ArabiaKey Achievements Transformed unit from reporting team to business intelligence unit for accomplishing objectives and improving efficiency to identify risk origination and opportunities in support of business objectives. • Revamped and deployed group risk appetite statement, whilst engaging with business units and subsidiaries. • Improved portfolio structure, concentrations, and risk appetite targets by proactive portfolio monitoring. • Addressed all material risks faced by the bank, whilst the development of ICAAP under normative and economic perspectives. • Executed model enhancement for RAROC, stress testing, and Pillar 2 methodologies to assist with profitability forecasting and capital optimisation Key Accountabilities • Credit Portfolio Management, Risk Appetite, Stress Testing, ICAAP, ILAAP, modeling, RAROC, Regulatory Reporting, MIS, policies and procedures.

DBS BankVP RMG Group Portfolio Analytics

Sep. 2011 - May. 2015SingaporeKey Achievements Mitigated risks and optimised performance by reviewing corporate governance practices. enhancing quality of data, completeness, and optimisation in reporting, and assessing counterparty credit risk • Set obligor and industry concentration limits to oversee potential losses and facilitate economic capital allocation process. • Captured Bank’s counterparty credit risk by developing methodology and models as well as deployed counterparty surveillance and monitored activities. • Directed cultural change, whilst delivering training across different countries on Risk Appetite Stress Testing as well as designed e-learning tools. • Mitigated risks and optimized performance by reviewing corporate governance practices and policies and establishing appropriate controls. Key Accountabilities Credit Risk models, Risk Appetite, Stress Testing, MIS, Policies Procedures, Economic Capital, Portfolio Management, Counterparty Credit Risk, Operational Risk Coordinator

HSBCSenior Risk Strategy Manager

Jul. 2008 - Aug. 2011Hong KongKey Achievements Provided business-oriented solutions by establishing and executing group Risk Appetite framework, whilst converting into active credit portfolio management. • Implemented Risk Appetite and ICAAP in Asia Pacific region, whilst introducing risk and capital into subsidiaries’ strategy formulation and execution. • Created new regional model to offer forward-looking view of credit risk at country and industry levels based on capital efficiency. • Set the framework and established the Risk Management Committee across 20 countries in Asia Pacific region. Key Accountabilities Risk Appetite, ICAAP, Model Validation, Stress Testing, Economic Capital, regional coordinator

HSBCSub Director Basel 2

Feb. 2005 - Jun. 2008Mexico City, MexicoKey Achievements Executed Basel 2 framework in Mexico and Latin America region. • Designed and implemented Risk Governance framework under Basel 2 directives, including Credit, Market, and Operational risks. • Developed and deployed RAROC tool to assist in profitability forecasting and aid in decision-making. • Collaborated with Analytics team for model validation of credit tools as well as with Operational Risk and Internal Controls for Risk function. Key Accountabilities Basel 2, risk policies and procedures, RAROC, Model Validation, Forecasting.