Directing Cyprus Operations of the Company and Finance operations Cyprus and in several jurisdictions, planning, and coordinating procedures and work flow. (Business in FX Software development, and CRM Software for several Industries) Coordinating with UBO and BOD. Amongst other main duties are: • Direct the company’s affairs in line with the law and the best interests of the company, its shareholders/stakeholders • Vision, goals and strategy: Participate in Group’s BOD to establish, plan and implement the Company’s goals and strategy. • Lead all corporate affairs for the Company. • Oversee and lead financial planning of all Finance teams. • Designed financial reporting framework, enabling real-time decision support for leadership. • Established robust treasury management framework and optimized banking relationships. Bank Payments, Crypto payments, PSP reconciliations. • Developed comprehensive tax strategy ensuring full compliance across multiple jurisdictions • Design and drafting controls and procedures of the organization as well as Group Finance procedures. • Leading of the HR & Payroll procedures and planning. Approve, reconcile and oversee payroll procedures 1 and payments. • Leading and building Budgeting, forecasting as well as monthly financial management accounts.

Directing Finance teams in several jurisdictions (EU, Latin America UAE), planning, and coordinating procedures and workflow. Epasero Group industry is in Sortware Development (But through his I had cooperation and hands on Business in FX industry, Digital Marketing, Software development, real estate) Coordinating with CEO/UBO. Amongst other main duties are: • Cooperate with all Management for the Strategic planning. • Reviewing & re-building Management Financial Statements, Reviewing draft Audited F.S., TB’s • Budgeting & Forecasting, Cost Controlling. • Liaising with Auditors for Financial Statements and reviewing of audit and other journal entries. • Taxation for Companies and UBO (Temporary tax calculations, IR1, IR59, IR4, IR63). • Planning, liaising for the implementation of accounting software. • Developing Finance Departments procedures, writing of staff responsibilities, staff appraisals. • Monitoring work and results and guiding of all accounting teams worldwide. • Preparation of Group Consolidated Reports (Profit & Loss, Balance Sheet, Cash Flow Analysis). • Review reporting from the Finance Team and variance analysis. • Invoicing, Bank Payments, Cypto Paymenrs and Transfers. Liaise with Banks. • PSP, EMI, Crypto liaising and reconciliations. • CRM & Accounting systems controls review for risk controlling. • Opening of Bank Accounts (compliance KYC). • Drafting and reviewing of several contracts. • Credit Policies and authorization procedures establishment. • Leading of the HR & Payroll procedures and planning. Approve, reconcile and oversee payroll procedures and payments (via bank transfers, crypto, fiat) in Cyprus and other jurisdictions. • HR - Interviewing new staff candidates /Appraisals • Ad-hoc Matters and reporting assigned by UBO.

Coordinating with the CEO for the strategic planning of the Organisation and Direction of Accounting Department and Corporate Services of the Office generally. Directing and overviewing the staff, procedures and work. Amongst other duties the following were some additional responsibilities: 1. Restructuring and building of a successful accounting / tax / corporate/Payroll team, 2. Review and overlooking all procedures, services and reports, 3. Controlling, following deadlines for the team, allocation of duties to staff, 4. KPI’s and appraisals for staff, 5. Quotations and offers for new clients. 6. Liaise with Authorities (Tax Department, Registrar, Bank Institutions) whereas necessary. 7. Responsible for dealing with clients and their queries, overview of their onboarding as clients and follow 2 up for fees, budgeting and payments. 8. Advising, applicants and preparing documentation and business planning for European Union Funding (structural funds). 9. Tax, payroll and compliance advising and consulting of clients.

Member of Directors Committee of the Organisation, coordinating with the CEO for the Strategic planning of the Organisation and Direction of Departments and Services. Directing and overviewing the staff, procedures and work done of two Groups: 1. Payroll Dept. Have built-restructured Cyprus Payroll Dept. with many international clients and portfolios all over the world, by recruiting new staff members, reviewed procedures, and planned call-meetings with clients for establishing the queries and needs of clients. I. Leading of Payroll Dept. Planned operations of payroll procedures required from clients and guided staff accordingly for all stages from implementation until actual run of payroll cycles. Different payrolls from many jurisdictions. II. Overseeing payroll cycles and reconciliations. Ensure everything ready to the stage of audit. III. Training of staff for all payroll procedures and specialization (payroll software, deductions, contributions, taxation, forms, statutory reports and requirements). IV. Tax advising and consulting of clients. V. Quotation and offers for new clients. VI. Ensured quality service at all levels and lead the staff according to the strategic plans of the Organisation. Continued overviewing the operations of the Department ensuring for implementation services, corrective tax advising guiding and computations, requesting and overviewing payroll platforms licensing and interfacing procedures. VII. Guiding staff at each step of the payroll procedures and leaded in all clients meetings. VIII. Cooperated with organisations like ADP, Omnipresent, Safeguard, Papaya. 2. International Business Division and Corporate Accounting & Tax Dept. I. Directing a team of Corporate and Legal Advisors for a big portfolio of clients. II. Directing a team of accountants and auditors in Corporate Accounting and Tax services for a big portfolio of clients. III. Responsible for dealing with clients and their queries, overview their onboarding as clients and follow up for fees, budgeting and payments. IV. Organisation and participation in meetings with clients for services provided and for establishing their queries as well as with other Directors in corporation for decision making. V. Ensure that all Corporate, legal, accounting and tax services are done timely, accurately and correctly. VI. Coordinate with other Departments to ensure the quality and well-structured provision of services to the clients. VII. KPI’s & Valuation Appraisals of Staff. VIII. Liaise with Authorities (Tax Department, Registrar, Bank Institutions) whereas necessary.

Responsible for Supervising and reviewing for the procedures, progress of specific projects and the relevant teams. Projects concern Bank organisations and European Union projects for CY Government and specifically the Structural funds handled via Ministry of Commerce and Industry. Amongst other, main responsibilities are: Banks Projects: • Overview, organise, direct the procedures of resolving serious long standing issues for non-performing loans proposing amicable solutions between bank and borrowers. Reviewing and directing staff for the contract agreements, emailing, drafting of documents, proposing alternatives, several calculations. • Reports Building, KPI’s and presentations for monitoring and following up the progress of the projects. • Cooperating and directing Investigators in Investigations tasks of tracing and personal process serving of individuals. Drafting specific guidelines and packs of reports for delivering to Borrowers for restructuring procedures. • Communicating with Legal representatives / Lawyers for specific cases resolving difficult cases & tasks. • Generally, financial consulting, advising, problem solving, restructuring, due diligence. Ministry of Commerce & Industry - Structural Funds (SME’s Competitiveness – Manufacturing Sector, Promoting Youth / Female Entrepreneurship programs): • Reviewing the audited files (audit done by other members of staff) of applicants for European Union Funding (structural funds). • Cooperating with the Ministry officers for the smooth and fair reviewing of applicants’ files. • Participating in decision meetings representing the independent audit view of the external auditor. • Drafting reports and summaries for specific funding cases in conflict presented to the Objection Committee. • Advising and cooperating with the Ministry in amending / drafting new Guides/directories of the Funding Schemes. • Supervising and coordinating a team of 5 colleagues, working on specific different projects.

Worked as a consultant, providing Financial services, Management Accounting, Tax Consulting, Due diligence reporting, Budgeting & Forecasting, Liquidity Reporting VAT/VIES services upon requirement. Jan-Feb 2019 worked with AMG Mylonas & Associates LLC in Limassol providing to them consulting services and building the accounting procedures of the Accounting & Finance Dept. of the office and also for their Corporate clients. Have built Payroll and procedures for all necessary financial reporting in spreadsheets, and/or accounting software, established procedures and controls for the initiation of in-house Accounting & finance Dept. Dealt and organised Tax matters and have designed the payroll procedures / spreadsheets.

Held the position of CFO responsible in all aspects of Financial and Management accounting, internal auditing 4 following the Strategic Goals of the Company. Initiation and building of Financial Department of the Company internally. Reporting directly to CEO and Directors of the Company. Diversification and building excellent cooperation for the new strategies and services of the Company. Main responsibilities were as follows: • Initiated the procedure and built up of the Financial Department. • Liaised with Accounting Software Companies for the purchase and installation of multicurrency accounting software. • Building & Developing Reporting and Journal entries in the accounting software. Dealt with interfacing procedures (payroll & invoicing)-Thorough controls/reconciliations applied. • Dealt with quotations for acquiring fixed assets and control of Operating expenses. • Company placed maximum trust, assigning the responsibility of been one of the bank signatories of the Company. • Tax analysis and tax framework presentation to Directors at specific scenarios. • Liaising with Tax authorities when necessary. Calculation and assessment of Temporary Tax (Corporation Tax estimation). • Preparation and checking of data and information for VAT submission and payments in collaboration with the external auditors. • Dealing with the Investment accounting entries in equities, bonds and investment funds. Reviewing of performance, calculation and posting of realized/unrealized profit/losses and interest. • Following, recording and reviewing payments and interest calculation on loans provided by the Company to other entities (legal or physical) according to the signed contract agreements. • Cooperation with Head of Legal Department and Head of Real Estate Operations in several projects, contracts and day to day deliverables. • Cash Flow Reporting Analysis on monthly basis. • Budgeting & Forecasting. • Financial Reporting (TB’s, Balance Sheet, Income Statements). Review and analysis of results upon request of Directors/UBO’s. Preparation of relevant Business Plans for Holding or the subsidiary Company’s upon request. • Due diligence financial analysis and place of opinion upon request from Directors for several scenarios on relevant investments proposed. Evaluation & reporting for proposed investments). Analysis of Business Plans. • Responsible for the payroll procedure, staff payments, Social Insurance and PAYE calculations, control and necessary payments to the authorities. Ensure everything kept and processed according to the legal framework regarding Employer/Employees. Ensured for reconciled records. • Transfer payments via electronic banking in several currencies (EURO, USD, RUB) locally and externally. • Liaising with Bank, Creditors & Debtors for Confirming and Reconciliation of balances according to Companiy’s records. • Fixed Assets Depreciation/Wear & Tear allowances according to tax framework. • Liaised with Auditors, Banks, Investment Institutions and other external associates.

Provided Financial services and Tax consulting to Companies and individuals upon request. Prepared Inland Revenue forms such as IR4, IR1, Temporary tax assessments, Capital allowances calculations. Worked as an advisor, providing freelance Financial services, Management Accounting, Tax Consulting, Due diligence reporting, Budgeting & Forecasting, Liquidity Reporting to an International Organisation in Medical Chemistry Industry (SYNLAB International) which is represented in 27 countries with Head Offices in Germany.

Initially employed by Laiki Bank Group and placed in a team project of building the bank-assurance life sector that eventually was Laiki Cyprialife - Afterwards acquired by CNP Holdings. Organized and built the Financial department of Life Insurance Company at the foundation stage of the Company and afterwards of all insurance subsidiaries of the Group.. Designed & Developed: Financial controls / procedures, Accounting Computerised systems, Management and accounting Reporting. Participation in strategic Planning & reporting, BOD meetings reporting. Management Accounting Responsibilities: • Strategic Planning & Reporting. • Prepared of the CNP Cyprus Group Financial results (Consolidated results Cyprus & Greece Insurance Companies of the Group) for the use in monthly BOD meetings. Presented in Power Point slides & included: Profitability tables, Revenue a/cs, Analysis of expenses by category, Income by category. Commentary on results. Variance analysis compared to Budget & prior years. All reporting was prepared and sent to France to the Holding Company and major shareholder of CNP Cyprus. • Developed and then prepared on monthly basis Management Accounts. • Built and presented monthly of ALCO (Asset & Liabilities Report) consisting of several Financial analysis and indices regarding the profitability, investment position and cash flow performance of the organization. Mainly a report that analysed monthly financial reports and business performance compared to budgeted figures and previous year’s results. Comment on variances, presentation of Graphs. • Prepared Budgets as well as Strategic Plans and Business Plans. • NPV Calculations, Forecasting and Tax effect calculations. • Built and developed of specialized reports asked by Management in several Computer Software programs. • Prepared and monitored Reporting by Agency / Cost center and by product. • Verified, Checked and reconciled other departments reporting with accounting departments’ results. • Reviewed Reports and Trial Balances of all subsidiaries financial departments and guidelined their staff. • Coached & trained Financial Dept.. staff to process and maintain accounting records in accordance with statutory requirements, timely and accurate. • Checked & controlled that Accounting Procedures were followed and agreed according also with EFQM standards. • Designed and presented of organizations procedures using DFD Diagrams (Data flow diagrams). • Assisted the Chief Accountant at any Financial and/or Management Account report request. • Liaised with Auditors and other external associates. Financial Accounting Responsibilities: • Investments back-office responsibilities (Verified, accounting and reconciled investment entries and presented investment reports). • Monitored & checked authorisations for the payment of expenses or posting of journal entries. • Reviewed and corrected journal entries. • Ensured for the accurate posting of accounting entries (double entry control). • Prepared and /or checked of several reconciliations (Bank Reconciliations, Intercompany reconciliations e.t.c). 6 • Fixed Assets verification, count & control. • Assisted in Development & implementation of procedures and features to enhance the workflow of the department. Efficient design of forms (i.e. Payment Requisitions forms, J/E forms). Building of template spreadsheets. • Preparation of monthly Profit & Loss, Balance Sheet and Cash Flow statement.

ACCA

Association of Certified Chartered Accountants

MAAT

Association of accounting Technicians

1998 - 2001