Radomir Dukov, (PhD Candidate), CFE, CAMS, CSS

Experience

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  Kohr Bros inc.

  May 2006 - Sept 2006

  Customer service
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  ProCredit Bank (Bulgaria) AD

  Jun 2007 - Sept 2008

  Credit Expert
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  Raiffeisen Bank

  Sept 2008 - Aug 2013

  Review and decision of credit application including new credit limits/credit review/restructuring,:Preparation of recommendations for final decision for the Head of MicroSME RMD and/or Credit Risk Supervisor of MicroSME RMD;Participated actively in the pre-selection, pre-discussion and structuring of potential MicroSME credit applications together with SME Risk Originated Units with the aim to make transactions feasible and optimize risk/return;Assist in the identification, classification and management of problematic MicroSME exposure;Ensure that early warning signs” reported by SME Risk Originating Units are considered properly and internal actions /Review, Monitorings/ are initiated quickl;Ensure that risk management standards, policies, practice and tools are adhered to by all business units in the credit process;Cooperate with the SME Risk Originating Units in establishing the MicroSME Credit policy and recommend amendments whenever necessary as well as monitor the compliance with the approval Credit policy;Participate in the regular branch audit visits, performed together with IAD or by MicroSME RMD only; Show less Presentation of bank’s credit products information, including financial leasing and full banking service to potential clients;Gathering needed documents for performing financial analysis of the business of the potential clients;Performing full financial analysis of the company’s business;Preparation of proposals and motivation for approval/disapproval for credit deals according to the financial situation of the company;Check of credit contracts for compliance with the decision for financing and credit policy;Performing of current monitoring of the credit deals according to the schedule for repayment, following the execution of additional conditions and purpose of the financing;Performing of outstanding financial monitoring of the business of the clients if there are indications for growing credit risk;Preparation of proposals and motivation for restructuring of credit deals;Preparation of proposals and motivation for early chargeability of credit deals and initiation of proceedings. Show less Presentation of bank’s credit products information, including financial leasing and full banking service to potential clients;Gathering needed documents for performing financial analysis of the business of the potential clients;Performing full financial analysis of the company’s business;Preparation of proposals and motivation for approval/disapproval for credit deals according to the financial situation of the company;Check of credit contracts for compliance with the decision for financing and credit policy;Performing of current monitoring of the credit deals according to the schedule for repayment, following the execution of additional conditions and purpose of the financing;Performing of outstanding financial monitoring of the business of the clients if there are indications for growing credit risk;Preparation of proposals and motivation for restructuring of credit deals;Preparation of proposals and motivation for early chargeability of credit deals and initiation of proceedings. Show less

  • Credit Risk Manager, MicroSME Risk Management Department

    Sept 2011 - Aug 2013

  • Supervisor Small and Medium Enterprises

    Dec 2009 - Aug 2011

  • Financial Consultant Small and Medium Enterprises

    Sept 2008 - Nov 2009
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  Raiffeisenbank

  Sept 2013 - Mar 2014

  Fraud Risk Manager within Operational Risk and Fraud Risk Section
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  Raiffeisenbank Bulgaria

  Apr 2014 - Oct 2022

  Responsible for the strategy, organization, system and process of Micro, PI and Corporate fraud detection and prevention.Review and decision on fraud related issuesof credit applications.Organization and Coordination of regular and ad-hoc communication with related functions in order to ensure effectiveness and efficiency.Designing and implementation credit application fraud controls.Monitoring and management of Bank's credit portfolio.Ensures rhe adherence of the quality of the work of the risk origination units to the current credit policy.Investigation functions for Micro, PI and Corporate fraud cases. Show less

  • Head Of Compliance

    Nov 2018 - Oct 2022

  • Head of Operational&Fraud Risk Management Department

    Jul 2016 - Oct 2018

  • Senior Fraud Risk Manager (Deputy Head of Department) Risk competence centre, operational and fraud

    Aug 2015 - Jul 2016

  • Senior Fraud Risk Manager within Operational Risk and Fraud Risk Section

    Apr 2014 - Jul 2015
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  Bulgarian Development Bank

  Oct 2022 - Apr 2023

  Chief Compliance Officer
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  OpenPayd

  Jul 2023 - Nov 2023

  Head of Financial Crime Compliance
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  Self-employed

  Dec 2023 - now

  Financial Crime Compliance Consultant

  I am excited to launch my independent consultancy as a Financial Crime Compliance Consultant. After invaluable collaboration with esteemed companies and industry leaders, I'm excited to embark on this journey solo. With a focus on anti-money laundering (AML), financial sanctions, fraud prevention, anti-bribery and corruption (ABC), conflict of interest, and internal controls, I'm dedicated to helping businesses strengthen their compliance frameworks. Let's work together to ensure your organization's compliance practices are robust and resilient. Show less

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  Bulgarian Association of Anti-Financial Crime Experts

  Sept 2024 - now

  Chairperson of the Management Board