Comfi Payments

Leading financial, risk, and compliance strategies at Comfi.ai, a high-growth B2B payment platform offering embedded finance solutions. Key achievements and responsibilities include:

• Financial Strategy & Planning: Development and execution of financial plans and budgets aligned with growth goals, optimizing cash flow and profitability to support scalability.
• Risk Management: Responsibility for a comprehensive risk management framework, ensuring financial stability and mitigating exposure across multiple business areas.
• Regulatory Compliance: Securing necessary compliance across various jurisdictions, coordinating with regulatory authorities to support expansion efforts.
• Business Enablement: Facilitating Comfi’s offering of embedded finance offerings to UAE suppliers and business buyers, allowing suppliers immediate revenue through upfront payments.

Delivering strategic oversight across financial operations to enhance growth, ensure compliance, and sustain Comfi’s competitive edge in the embedded finance space.

Chief Financial Officer

New Economic School

•	Developed a comprehensive course in risk management and currently serve as a lecturer at the prestigious New Economic School, sharing expertise and knowledge with students seeking to pursue careers in finance, banking, and related industries.
•	Conduct lectures on topics such as credit risk assessment, market risk management, operational risk analysis, and financial regulatory compliance, providing students with valuable insights into the latest trends and best practices in the field.
•	Designed course curriculum and syllabus, leveraging extensive experience in the financial services industry to create a comprehensive, practical, and engaging learning experience for students at various levels of expertise and background.
•	Utilize a variety of teaching methods, including case studies, simulations, group exercises, and real-world examples, to facilitate active learning, critical thinking, and application of concepts in practical contexts.
•	Received positive feedback from students, peers, and administrators for the quality and relevance of the course content, teaching style, and ability to engage and motivate students.

Lecturer on Master of Arts in Finance (MAF) / Master in Science in Finance (MSF) programm

Data Driven Financial Consulting

•	Successfully closed 7 financial due diligence projects in BNPL, Financial Services, Investment Brokerage, Construction, and High-tech Production (Althaus umbrella)
•	Leading of a scoring engine product for Retail and SME, integrating credit scoring, antifraud, and validation capabilities to enhance risk assessment and decision-making processes (Risk360 umbrella)
•	Designed and delivered a series of trainings for GazPromBank on data management, data processing, and machine learning in financial modeling by conducting a gap analysis of their internal model development cycle
•	Initiated, developed and performed a corporate learning program for Russian Railroads (RZD) in data-driven financial analytics, budgeting, and risk management (Support Partners umbrella)

Independent Consultant

EMI Startup

•	Developed a business plan and operational plan in collaboration with the Head of Finance, prepared and delivered documentation to acquire an EMI license from the Bank of Cyprus, facilitating regulatory compliance and business operations
•	Initiated and prepared a roadmap, and backlog for Anti-fraud and Customer Risk Assessment Engines
•	Key member of a team of three involved in internal IT infrastructure development (business analytics, functional and non-functional requirements) and third-party software selection and integration
•	Created and implemented PMO best practices, processes, and procedures using Prince2 methodology, ensuring alignment with SDLC and business processes, which streamlined project execution.
•	Fostered a culture of robust and comprehensive documentation, increasing SDLC productivity by 30% through enhanced process clarity and efficiency.

Head of Risk

Ingosstrakh Bank

•	Led a team of 30, including risk and R&D teams
•	Hired and built from scratch a team of 3 data scientists, 1 business analyst, and 1 data engineer, enabling the development of internal data-driven risk monitoring solutions using Agile methodology
•	Resolved a critical bottleneck and prevented operational shutdown during first 6 weeks.
•	Partnered with business stakeholders to build more effective loan analysis and monitoring processes, increasing number of deals reviewed by the Credit Committee (5× for Factoring products, 2× for Corporate financing)
•	Developed a Credit Risk Engine from scratch, increasing the Gini coefficient by 17 points compared to the Oliver Wyman solution and ensuring a seamless transition during the 2022 termination of OW services in Russia (logreg for financial and non-financial modules, ARIMA ensemble for CDT forecasting to ensure IFRS 9 TTC PD to PIT PD transition, and incorporation of forward-looking macroeconomic factors) resulting in a 2.5% reduction in ECL, a 3.5% reduction in NPL for the loan portfolio
•	Transitioned from an Excel-based VaR solution (MA 250, asset returns) to a VaR & ES Python Engine (EWMA 250, asset prices, risk vertices), enabling the incorporation of bonds with negative returns
•	Digitalized the ICAAP framework by deploying a BI solution with automated reports, reducing the reporting period from two months post-quarter to next-day reports and introducing forecasting capabilities, which minimized allocation limit violations to zero
•	Delivered a transition to Basel III Operational Risk requirements (716-P and 744-P) ensuring coordination of shared resources, common activities and other dependencies across implementation of third-party software, employee trainings, methodology renewal and ensuring early permission to switch to new calculation of capital requirements releasing additional 0.3% of capital for business activities
•	Key member of a team involved in CBDC project and digital asset initiatives

Managing Director, Head of Integrated and Corporate Risks

Deloitte

•	Successfully Initiated and closed 7 projects within the Risk Advisory team, enabling Deloitte CIS to enter the financial risk management advisory market for Financial Institutions despite COVID-19 limitations.
o	Credit Risk Modeling for Bank top-25, including risk engine development, business process redesign, and IFRS 9 and IRB compliant methodology
o	Ensured IFRS 9 compliance for two top-50 banks through methodology enhancements
o	Redesigned ICAAP and ILAAP frameworks for Bank top-30 and Bank top-50
o	Developed a Developed a Supervisory Assessment Framework for the Central Bank of Russia for evaluation of financial institutions compliance with 716-P and 744-P during transitioning to Basel III Operational Risk principles
o	Redesigned the Operational Risk Framework for Bank top-30, ensuring compliance with Basel III, 716-P, and 744-P
•	Established strong relationships with the Central Bank of Russia, winning 80% of tenders for CBR employee training resulting in developing and delivering lectures and seminars on IRB standards, Credit modeling, Banking supervision standards, and Operational risks
•	Led a team of financial modelers from Deloitte Ukraine in a cross-functional project evaluating the Russian Bank top-10 
•	Successfully closed 5 projects in collaboration with Tax & Legal Advisory, establishing top-management KPIs compliant with CBR requirements
•	Performed Risk Assurance on IFRS 9 compliance and ECL calculation as part of the Audit team for existing clients, ensuring regulatory adherence and financial accuracy
•	Acted as a quality champion for data-driven projects within Risk Advisory and other practices, ensuring high standards on projects without direct involvement from the financial risk assurance team
•	Implemented Prince2 practices and processes focusing on project risk controls and contingency plans, reducing project execution costs by 12% and ensuring projects were completed on time and within scope
•	Served as a member of the IFRS-9 board

Senior Manager, Risk Advisory

Moscow Mortgage Agency (universal bank)

•	Responsibility for the institution's risk management, capital adequacy and contingency policies
•	Led the bank's efforts in regulatory preparations for brokerage and dealing activities, resulting in obtaining licenses from CBR
•	Led the bank's preparations for M&A by Bank Solidarnost, resulting in a successful negotiation process on terms of acquisition, passing the CBR audit, and execution of the acquisition
•	Led a cross-functional project on the transition from IFRS 39 to IFRS 9, ensuring coordination of IT, Financial, Credit, and Risk departments, streamlining common activities and other dependencies across projects, leading to the implementation of IFRS 9 standards according to regulatory requirements (604-P, 605-P, 606-P)
•	Restructured the ICAAP framework and methodology, allowing the bank to move one grade higher on CBR assessments
•	Acted as a primary point of contact for CBR, rating agencies, and external auditors

Chief Risk Officer

KEB HANA Bank (HANA GROUP, South Korea)

•	Established the Risk Management Department from scratch after the institution acquired a banking license, developed and enforced risk management, capital adequacy, and contingency policies, ensuring compliance with Group guidelines and regulatory requirements
•	Implemented financial analysis and loan issuance process
•	Initiated development and maintained support of new business activities
•	Developed Credit Risk Engine for corporate portfolio in compliance with IFRS 9 and Group guidelines
•	Developed and implemented the ICAAP Framework and methodology from scratch, allowing the bank to meet regulatory requirements after the introduction of 3624-U.
•	Established and maintained relationships with clients, partners, and third-party providers
•	Acted as a primary point of contact for CBR, rating agencies, and external auditors

VTB Group

•	Started as an intern at TransCreditBank in the VTN Group and was gradually promoted to Head of Project Finance Risk Department within three years, successfully transferring to VTB 24 while keeping the department and position after the acquisition process by VTB
•	Built a financial forecasting process from scratch for past due rates, provision rates, and P&L impact
•	Led the loan portfolio transition process from TransCreditBank to VTB, Bank of Moscow, and VTB 24

Head of Real Estate and Project Finance Risks

Results-driven executive with over a decade of experience leading the development and launch of innovative  services in the financial industry. 
Strong leadership skills and ability to build and manage high-performing teams across geographies. 
Skilled in strategy planning, risk management, digital transformation and product development. 
Recognized for building and leading high-performing teams and delivering exceptional results.

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