Valentina Tsvetanova

Head of Prevention of Money Laundering and Terrorist Financing Department.

• Chief AML officer
• Establishing and conducting a money laundering and terrorism financing risk analysis for ProCredit Bank in accordance with the guideline for conducting the group money laundering and terrorism financing risk analysis.
• Advising on the ProCredit Bank's obligations in relation to all applicable laws and regulatory requirements regarding KYC, CDD, AML/CTF, and sanctions compliance.
• Advising, assessing, and assisting the first line of defence in the implementation of AML/CTF and CDD, as well as sanctions compliance policies and procedures.
• Establishing and implementing risk-based controls for verifying the implementation of the ProCredit Bank's AML/CTF Programme.
• Control and coordinate the tasks in the department, and assure the high quality of the results.
• Approved by Bulgarian National Bank as a key person managing the AML/CTF compliance body of the institution.

• Responsible for managing the Credit Risk team – individual credit risk assessment of exposure in small, medium, and upper-medium segments; environmental risk assessment of the business activity of the clients. Validation of information and negotiation with the top exposure clients
• Responsible for managing the General Risk team – operational risk, market risk, liquidity risk, and credit risk. Preparing and updating the sector's analysis.
• Managing the team of Collateral valuation specialists
• Appointed ALM officer for the institution since 2018, responsible for set up the process and procedure, fully implementation of EU and local regulatory requirements, responsible person from the bank to the Central bank and FIU.
• Managing AML team - on operational and administrative level. Responsible for the managing AML teams in Bulgaria and in Greece.
• Ensured compliance by implementing AML and CFT s.
• Conducted detailed investigations into suspicious transactions.
• Regular reporting about AML/CFT topics to the MB and SB members. Approved and present the Annual AML/CFT report and Annual Risk Assessment of the ProCredit Bank Bulgaria and its branch in Thessaloniki, Greece.

• Responsible for managing the Credit Risk team – individual credit risk assessment of exposure in small, medium, and upper-medium segments; environmental risk assessment of the business activity of the clients.
• Managing the team of collateral valuation specialists.

• Manage and mentor the team of Credit Risk Analysts – Medium clients, to achieve KPIs and quality of the credit risk portfolio in the segment.
• Analyse financial statements to identify client viability, and risk.
• Decisions for approval and rejection of the loan exposures within allowable limits, and in line with institutional risk profiles.
• Member of the Credit Committee for the exposure above the rights of the department.
• Updated credit risk policies and procedures

Trainee in the Micro-Client Department.