Julio Chen

Experience

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  Calox Panameña, S.A.

  Jul 2008 - Aug 2008

  Intern

  Intern

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  Bahía Las Minas Suez Corp.

  Dec 2008 - Jan 2009

  Intern

  Intern

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  Bavarian Motors Panamá, S.A.

  Aug 2009 - Sept 2009

  Intern

  Intern

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  Deloitte

  Sept 2010 - Dec 2012

  Strategy and Operations Consultant

  - I participated in projects in the government sector on topics such as: documentation of manuals and processes, calculation of FTE, improvement of organizational structures, and process auditing.

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  Banesco Panama

  Apr 2013 - Jan 2014

  Operational Risk Analyst

  - I supported the management of operational risks under the Basel II approach.

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  Family Business

  Jan 2014 - Nov 2017

  Assistant Manager

  - I managed and operated fuel stations, and provided support to the fleet of fuel trucks.

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  Davivienda Panama

  Jul 2018 - Mar 2022

  - I helped the Bank managing credit risk during the Covid-19 pandemic, monitoring the collections of a portfolio hit by the restrictive measures imposed at the time and also monitoring the deterioration of the Modified Credit portfolio; I reviewed and periodically adjusted the credit origination policies to prevent additional increases in the portfolio's risk exposure; I validated on a monthly basis the reasonableness of the Expected Loss model results to ensure IFRS9 reserves were consistent with the country's economic situation.- I managed the customer database in SQL, cleaning data from internal and external sources for storage and subsequent use in internal reports for the department and for the Sales department.- I collaborated in the creation of the customer segmentation model based on the K-Means algorithm and in the monthly execution of the model with updated data from the customer portfolio, with the aim of pricing and identifying customers with credit deterioration.- I developed a code in VBA using Seleniumbasic to perform web scraping and obtain daily credit card transactional data to make it available for use in subsequent analysis. Show less - I was in charge of managing the Bank's operational risk: developed a Risk Culture measurement indicator with the aim of empowering areas in the management of their operational risks; I managed the database of events and incidents; I supported the implementation of the internal risk management tool "SIGAR"; I developed an internal methodology for Risk and Control Self-Assessment (RCSA).- I was responsible for preventing fraud in credit cards and additionally in the mobile app, preparing and analyzing large transactional data to create alert rules and block suspicious transactions.- I supported the management of market and liquidity risk for a short period of time, preparing internal reports for the monitoring and control of the daily limits of the investment portfolio and liquid assets. Show less

  • Credit Risk Officer

    Jan 2021 - Mar 2022

  • Operational Risk Officer

    Apr 2019 - Dec 2020

  • Operational Risk Analyst

    Jul 2018 - Mar 2019
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  UNDP Panama

  Mar 2021 - Dec 2022

  Independent consultant

  I cooperated with UNDP in two consultancies related to the Bicentennial Pact "Closing Gaps":- Consultancy for the classification and systematization of the proposals received in the AGORA platform: I classified more than 15,000 proposals according to the criteria and specifications of the project’s technical evaluation board; and helped to identify proposals and needs of the population with added value to the pact agreements.- Consultancy for the generation of statistical information and traceability of national consensuses of the Bicentennial Pact: I supported in the reclassification of proposals and consensuses according to scope, thematic axis and cluster; and I prepared the presentation of the closing speech of the Bicentennial Pact "Closing Gaps" given by the National Executive Coordinator of the Pact (Dr. Paulina Franceschi). Show less

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  Banco Latinoamericano de Comercio Exterior S.A. (Bladex)

  Apr 2022 - Apr 2024

  Senior Operational Risk Analyst

  - I helped the Bank to accomplish its 2022-2026 Strategic Plan by managing its operational risks, carrying out several tasks, including: risk and control self-assessments (Risk Matrices), collecting events and incidents data, database administration and generation of reports with this information, validation of the calculation and timely delivery of the Operational Risk Capital Requirement, and the preparation of management reports to the internal committee and Regulator.

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  Banco Aliado

  Apr 2024 - Sept 2024

  Deputy Manager of Risk Portfolio Management (Risk Analytics)

  - As a data analyst and data scientist, I was responsible for extracting, transforming, and organizing data from the Bank's portfolios and its subsidiaries. I reported on risk management to the Risk Committee through Power BI dashboards, developed automated processes for data extraction and storage using SQL and Microsoft Fabric, led projects involving the department's data, and created machine learning models to enhance risk management.- I developed an initial model for the Forward Looking factor of the Bank and its subsidiaries, based on a SARIMAX time series model. Show less

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  Banco Latinoamericano de Comercio Exterior S.A. (Bladex)

  Sept 2024 - Feb 2025

  Senior Market Risk Analyst

  - I develop web applications using Streamlit and Plotly Express to automate, provide visibility, and store the results of asset and liability portfolio indicators.- I support derivative-related processes as a reviewer, ensuring compliance with internal controls.

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  ASSA Compañia de Seguros

  Feb 2025 - now

  Data Scientist