Compliance Expert with deep technical expertise and over 15 years of experience in the banking sector. Proven track record of achieving company objectives and implementing best practices. Excels in high-pressure environments and adapts effectively to challenges. Committed to embracing new challenges and driving digital transformation.
Overview
19
19
years of professional experience
6
6
years of post-secondary education
Work history
Senior Regulatory Compliance Expert
Eurobank Bulgaria AD
Sofia, Bulgaria
2025.06 - Current
Participation in the development, maintenance, and improvement of the Regulation Library.
Performing legislation developments and changes inspections on a daily basis.
Assessment of the impact of any changes in the legal and regulatory requirements on bank’s activities.
·Verification that all new banking products and services comply with the law and the applicable regulations.
Monitoring of the Bank framework to comply with the applicable legislation and the Internal rules and Policies.
Participation in the preparation of Monitoring Memos.
Reviewing of changes in laws and regulations impacting on consumer protection and advises Bank Units.
Reviewing and development policies and procedures and/or participates in projects to revise internal policies and procedures to ensure alignment with new regulations.
Reviewing new products/services, processes and business practices (including policies, procedures, forms, contracts etc.) in order to advise on regulatory compliance and also verify, in close cooperation with the Risk and the Legal Function, that new products and new procedures comply with the current legal framework and, where appropriate, with any known forthcoming changes to legislation, regulations and supervisory requirements.
Ensuring that reporting deadlines are met.
Participation in the Compliance Risk Assessment (CRA) process.
Expert Regulatory Compliance
Eurobank Bulgaria AD
Sofia, Bulgaria
2023.03 - 2025.06
Analyses legal and regulatory changes and assess their impact on the Bank's operations.
Provision of regulatory compliance advisory to internal business units on new and existing products and services.
Identifies, assess, and monitor compliance risks across the organization
Reviewing and validated new products, services, and procedures for compliance with applicable laws and regulations.
Advisory on consumer protection regulations and ensured timely updates to internal policies and procedures.
Contribution to the maintenance and development of the internal Regulation Library
Ensuring adherence to the Compliance mandate and legal obligations under BNB Ordinance No. 10 and relevant EU/ESA guidelines, including whistleblowing regulations.
Contribution to the development and execution of the annual Compliance Plan
Participation in drafting, reviewing, and updating internal Policies.
Support the Head of Regulatory Compliance in implementing measures to ensure legal and regulatory conformity.
Participation in the preparation of Monitoring Memos and Compliance Risk Assessments.
Collaboration with Legal and Risk departments to ensure regulatory alignment in business practices.
Ensuring timely and accurate regulatory reporting in line with internal and external deadlines.
Expert NPL
Eurobank Bulgaria AD
Sofia, Bulgaria
2016.04 - 2023.03
Oversaw and tracked receivables from public sales to ensure timely collection.
Monitored legal proceedings in enforcement cases handled by the Bank.
Handled documentation related to public sales, maintaining accurate records.
Prepared presentations for assets offered for sale.
Supervised automated processes for generating and updating market valuations.
Coordinated preparation of settlement parameters alongside legal counsel.
Organised signing processes for agreements and monitored execution status.
Compiled reports on real estate collateral, tracking public sales and legal actions.
Expert NPL
ERB Leasing EAD / Eurobank Bulgaria AD
Sofia, Bulgaria
2011.10 - 2016.04
Conducted financial analyses of lessees with payment delays exceeding 90 days.
Prepared proposals for initiating legal actions against delinquent debtors.
Processed payments for legal proceedings, including attorney fees and governmental charges.
Compiled accounting reports for court submission in insolvency cases and standard litigation.
Managed documentation for payment order procedures and cases needing expert evaluations.
Assigned non-performing lease contracts to external legal firms for resolution.
Monitored progress of legal actions undertaken by appointed lawyers to ensure compliance.
Expert, Debt collection
Eurobank EFG Bulgaria AD
Sofia, Bulgaria
2009.12 - 2011.10
Administered overdue mortgage loans through selection and assignment to debt collection agencies
Prepared daily, weekly, and monthly performance reports for debt collection agencies.
Compiled internal performance reports for debt collecting activities.
Informed clients of overdue status and repayment terms.
Communicated potential legal repercussions for non-compliance to customers.
Notified clients regarding foreclosures and collateral inventories.
Drafted and dispatched voluntary payment invitations to debtors.
Agent
Mellon Bulgaria EAD
Sofia, Bulgaria
2007.10 - 2009.12
Prepared daily and monthly reports to evaluate agency performance.
Advised potential customers regarding credit product terms via phone.
Processed customer data using specialised software according to established criteria.
Collected and completed documentation for final approval by credit administration department.
Received incoming calls from bank customers, providing information on current bank products.
Conducted outbound campaigns to inform insurance customers about policy maturities and renewals.
Executed cross-selling campaigns for bank products and insurance services.
Informed clients of overdue accounts, clarifying repayment options and potential legal consequences.
Assistant
PRECIZA 05 LTD
Sofia, Bulgaria
2006.06 - 2007.06
Provided administration and technical support for maintenance contracts of communal areas.
Organised and conducted General Assembly of Owners, ensuring effective participation.
Prepared and issued invitations and protocols for assembly meetings.
Implemented decisions made during General Assembly of Owners to ensure compliance.
Managed fee collection processes to ensure timely payments.
Compiled documents and applications for heating and water services.
Assisted with various office tasks to enhance operational efficiency.
<ul>
<li>Spearhead the management and oversight of the National Bio and Agro-Defense Facility (NBAF) project, a pivotal national asset developed in partnership with the U.S</li>
<li>Department of Agriculture (USDA) and the U.S</li>
<li>Department of Homeland Security (DHS)</li>
<li>Collaborate with USDA and DHS stakeholders to ensure a seamless transition of operations and mission capabilities from the aging Plum Island Animal Disease Center (PIADC) to NBAF, ensuring uninterrupted research, diagnostics, and training essential to national security</li>
<li>Lead the operational endurance phase, validating work processes and laboratory setups to guarantee compliance with the highest safety and biocontainment standards, particularly in biosafety level-4 (BSL-4) environments</li>
<li>Act as the hiring manager, conducting interviews and selecting high-quality employees to ensure the success of both DCA and NBAF</li>
<li>Serve as a subject matter expert pert for the payroll system Paychex, overseeing and approving payroll for 63 officers biweekly while managing paid time off and leave requests to maintain the security posture for the facility</li>
<li>Monitor project milestones, providing critical updates to senior management and stakeholders while ensuring alignment with USDA's mission objectives and federal guidelines</li>
<li>Direct the development and execution of strategic initiatives to facilitate efficient collaboration with federal partners, ensuring all laboratory operations adhere to regulatory requirements set forth by the Federal Select Agent Program (FSAP)</li>
<li>Foster a culture of excellence and professionalism within the team, emphasizing rigorous training, safety compliance, and operational integrity as key components of NBAF's mission to safeguard public health and the nation's food supply</li>
<li>Monitored budgeting activities by tracking expenditures and providing regular updates to management.</li>
<li>Analyzed existing processes within a department or organization in order to identify areas for improvement or increased efficiency.</li>
<li>Implemented quality control measures throughout each stage of a project's lifecycle.</li>
<li>Worked closely with senior managers to ensure that all projects were completed according to schedule.</li>
<li>Conducted research on potential vendors, suppliers, contractors and subcontractors for projects.</li>
<li>Provided administrative support to the Project Manager in order to facilitate successful project outcomes.</li>
<li>Prepared monthly progress reports summarizing key accomplishments achieved since the last report.</li>
<li>Trained junior staff on best practices for managing multiple projects simultaneously.</li>
</ul> at Defense Contracting Activity, LLC<ul>
<li>Spearhead the management and oversight of the National Bio and Agro-Defense Facility (NBAF) project, a pivotal national asset developed in partnership with the U.S</li>
<li>Department of Agriculture (USDA) and the U.S</li>
<li>Department of Homeland Security (DHS)</li>
<li>Collaborate with USDA and DHS stakeholders to ensure a seamless transition of operations and mission capabilities from the aging Plum Island Animal Disease Center (PIADC) to NBAF, ensuring uninterrupted research, diagnostics, and training essential to national security</li>
<li>Lead the operational endurance phase, validating work processes and laboratory setups to guarantee compliance with the highest safety and biocontainment standards, particularly in biosafety level-4 (BSL-4) environments</li>
<li>Act as the hiring manager, conducting interviews and selecting high-quality employees to ensure the success of both DCA and NBAF</li>
<li>Serve as a subject matter expert pert for the payroll system Paychex, overseeing and approving payroll for 63 officers biweekly while managing paid time off and leave requests to maintain the security posture for the facility</li>
<li>Monitor project milestones, providing critical updates to senior management and stakeholders while ensuring alignment with USDA's mission objectives and federal guidelines</li>
<li>Direct the development and execution of strategic initiatives to facilitate efficient collaboration with federal partners, ensuring all laboratory operations adhere to regulatory requirements set forth by the Federal Select Agent Program (FSAP)</li>
<li>Foster a culture of excellence and professionalism within the team, emphasizing rigorous training, safety compliance, and operational integrity as key components of NBAF's mission to safeguard public health and the nation's food supply</li>
<li>Monitored budgeting activities by tracking expenditures and providing regular updates to management.</li>
<li>Analyzed existing processes within a department or organization in order to identify areas for improvement or increased efficiency.</li>
<li>Implemented quality control measures throughout each stage of a project's lifecycle.</li>
<li>Worked closely with senior managers to ensure that all projects were completed according to schedule.</li>
<li>Conducted research on potential vendors, suppliers, contractors and subcontractors for projects.</li>
<li>Provided administrative support to the Project Manager in order to facilitate successful project outcomes.</li>
<li>Prepared monthly progress reports summarizing key accomplishments achieved since the last report.</li>
<li>Trained junior staff on best practices for managing multiple projects simultaneously.</li>
</ul> at Defense Contracting Activity, LLC