• Lead enterprise-wide project management and methodology functions, successfully managing 30+ projects annually with executive board oversight. • Spearhead implementation of national significance programs including National Energy Efficiency Program and Municipal Investment Program, delivering BGN 3.4 billion in total program value. • Architect comprehensive change management framework and internal governance structures, establishing Change Management Committee protocols and organizational standards. • Drive business process optimization and digitization initiatives, identifying standardization opportunities while mitigating implementation risks. • Direct cross-functional teams and external resources, coordinating with all bank divisions to ensure seamless project delivery and stakeholder alignment.

• Established enterprise-wide regulatory compliance framework across BDB Group, identifying and measuring compliance risks while ensuring adherence to EBA, ESMA, BNB, and FSC regulations • Achieved zero significant non-compliance issues during external regulatory inspections and audits throughout 6-year tenure, demonstrating exceptional compliance management • Developed and implemented a comprehensive Corruption and Fraud Prevention System, establishing robust internal controls and risk mitigation protocols • Led regulatory impact assessments for all new products and procedures, advising the Management Board/Supervisory Board on compliance strategies and regulatory change implications • Managed investment intermediary compliance operations, processing customer/employee complaints and maintaining regulatory reporting standards for banking and investment activities • Coordinated internal regulations across BDB Group companies, ensuring completeness, integrity, and alignment with applicable legislation and international banking practices

• Led independent board oversight of €50M+ insurance operations, chairing Audit Committee responsible for financial reporting, risk management, and regulatory compliance • Orchestrated successful acquisition and merger of Tokuda Health Insurance with Saglasie, managing due diligence process, regulatory negotiations, and post-merger integration • Established an enhanced corporate governance framework ensuring compliance with insurance regulatory requirements and international best practices • Directed audit committee oversight of external auditor selection, scope definition, and findings implementation across combined insurance operations • Achieved seamless integration of two insurance entities within 12 months, maintaining operational continuity and regulatory standing throughout transition

• Led independent Exercised fiduciary oversight as independent board member for banking and insurance group with combined assets exceeding €800M • Controlled strategic business direction and risk management framework implementation, ensuring alignment with regulatory capital requirements and growth objectives • Led Management Board performance evaluation, executive compensation design, and succession planning for key leadership positions • Supervised credit risk policy development, capital allocation decisions, and regulatory compliance across banking and insurance subsidiaries • Participated in strategic planning sessions, M&A evaluation, and major capital investment decisions affecting group-wide operations

During the writing process, Grammarly generated responses to the following AI prompts: Prompts created by Grammarly - "Improve it" - "Make it persuasive"During the writing process, Grammarly generated responses to the following AI prompts: Prompts created by Grammarly - "Improve it" - "Make it persuasive"• Led enterprise-wide internal audit function for €4.4B asset bank, reporting directly to Board of Directors and Audit Committee • Restructured internal audit methodology to align with International Standards for Professional Practice of Internal Auditing (IIA Standards) • Managed team of 15+ audit professionals conducting risk-based audits across retail banking, corporate lending, and investment operations • Implemented a comprehensive audit program covering credit risk, operational risk, compliance, and IT security across 145+ branch locations • Delivered executive presentations to the Board of Directors on key risk findings, control deficiencies, and strategic recommendations for risk mitigation