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Manager Management

79831000, United States
March 03, 2011

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Phone: 506-********, 506-********


Expert in Risk Management and Basel II Capital Accord. Master Degree in

Risk Management. With more than 10 year experience in credit, counterparty

and operational risk management. Experience in project management,

financial analysis, account management, forecasting, negotiation,

collection, credit analysis and supervising people. Willing to relocation.


2.1 Work

. Implementation of Basel II Approach in HSBC Costa Rica according to

regulation of the United Kingdom and European Union.

. Construction of database for the development of models in credit

risk and profitability by business lines. The best performance in

Latin America according to benchmarking of the HBSC.

. Implementation of the Risk Assessment and Risk Control Assessment

(RCA) approaches demanded by the Financial Service Authority as

Regulator of United Kingdom.

2.2 Education

. Awarded with a scholarship to undertake the Master in Global Risk

Management in Spain.

. Decoration with the best grade in the first year of the

undergraduate program in Economics.

. Ranked 7th out of 46 students that participate in the Graduation

Ceremony of the economics Bachelor.


2002-2009 HSBC. Basel II and Operational Risk Head.

To implement the Operational Risk and Credit Risk Basel II

Framework. The Construction of the database and models to

compute Risk Weigh Assets and Capital requirement under Basel II

framework. Development of expert models to estimate PD, LGD and

EAD factors. Operational Losses data base and risk mapping.

Reconciliation General Ledger and Finance Operations.

Until 2006 I worked as a Credit Officer in the following roles:

Stress testing of cash flows, simulations, financial analysis,

loan portfolio management and collection. Structuring of

corporate loan proposals, for real estate, industrial,

commercial and service sector. Strong exposure to negotiation

and problem solving needs.

2001-2002 BANCREDIT BANK. Credit Manager

Credit Risk Management. Creating Financial Models for assessment

of customers. Risk credit policies and procedures. Approving and

coordinating the credit commission. To meet the local regulatory


2000 BELEN FINANCIAL SOCIETY. Business Manager

Negotiating and identifying business opportunities. Developing

and improving client relationships. MIS and credit approval.

1999. CITIBANK. Senior Credit Officer

Credit Card Approval process and loan portfolio management.

Supervision of Collection Call Center. Reporting to head office

in USA and MIS. Development of credit and collection policies.

1995-1996 ONE BANK. Credit Officer

Credit and Financial Analysis. To conduct industry and market

research. To participate in investment and loan negotiations

1994 ANGLO BANK. Credit Officer

Analysing Financial Statement, preparing cash flows and tracking

performance. Loan proposal submission.


2005. Master degree in Global Risk Management. Francisco de Vitoria

University, Madrid, Spain.

1998. Licentiate in Business Management with major in Banking and

Finance. UNED

1991. Bachelor in Economics in the National University.


2010 In house training HSBC in Leadership, Treasury, Finance, Risk,


2008 MOODY s Analytics. Comercial Lending Program and Rating

System. Final Examination Approved.

2008 GRUPO DANDO CONSULTORES. Habilidades para el Liderazgo

Situacional, Balance ScoreCard y Di logos Gerenciales.

2007. ABESA-CCETV-CAMBOLSA. Operacional Risk Practical Course. .

2005. INCAE, Costa Rica. Modern Interpretation of Financial Statements

I y II.

2003. Alta Direccion Business School, Spain:. Seminary taught in Costa

Rica on effective negotiation.

2002. Banking Association of Costa Rican: Credit Risk Analyse in Financial


1998. Citibank Consumer Bank, Panama: Credit Cycle Management. Risk

Credit and Collection Control.


. Gustavo Ugalde. Sub Director Latin America Wholesale Risk HSBC

(Mexico). Phone 525*-********,

. Alberto Soto. Coordinador Basilea II Latinoam rica HBSC (M xico).

Phone 525*-********,

. David Duncan. Regional Director of NZA Bank for Asia and Oceania. E-


. Hector Martinez. Human Resources Manager. AIJS (Gestor Aeropuerto).

Costa Rica. Phone 506-********.

. Karla Bertolini. Legal Manager. Banex (HSBC).

Costa Rica. Phone 506-****-****

. Julio Angulo Ib ez. Securization and Capital Market Director. Caja

Madrid, Espa a. E-mail . Phone 003*-*********.

Director of Risk Management Program in Francisco de Vitoria.


Date of Birth: February 1st, 1971

ID Number: 6-236-931

Marital Status: Married


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