Summary
Overview
Work history
Education
Skills
Languages
Timeline
Generic
MARIYA BANEVA

MARIYA BANEVA

Sofia,Bulgaria

Summary

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
06.2025 - 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
03.2023 - 06.2025
  • 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
04.2016 - 03.2023
  • 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
10.2011 - 04.2016
  • 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
12.2009 - 10.2011
  • 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
10.2007 - 12.2009
  • 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
06.2006 - 06.2007
  • 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.

Education

Master - Law

South-West University Neofit Rilski
Blagoevgrad
09.2005 - 11.2011

Skills

  • Problem-solving
  • Analytic thinking
  • Communication skills
  • Presentation skills
  • Strategic planning
  • Resourcefulness
  • Calm under pressure
  • Creativity
  • Cultural awareness

Languages

English
Fluent
Bulgarian
Native

Timeline

Senior Regulatory Compliance Expert

Eurobank Bulgaria AD
06.2025 - Current

Expert Regulatory Compliance

Eurobank Bulgaria AD
03.2023 - 06.2025

Expert NPL

Eurobank Bulgaria AD
04.2016 - 03.2023

Expert NPL

ERB Leasing EAD / Eurobank Bulgaria AD
10.2011 - 04.2016

Expert, Debt collection

Eurobank EFG Bulgaria AD
12.2009 - 10.2011

Agent

Mellon Bulgaria EAD
10.2007 - 12.2009

Assistant

PRECIZA 05 LTD
06.2006 - 06.2007

Master - Law

South-West University Neofit Rilski
09.2005 - 11.2011

Similar Profiles

Create profile
MARIYA BANEVA