Tetiana Tomash

Tetiana Tomash Contact details: -|-|Netherlands| English, Ukrainian, Russian – fluent, Dutch -A2 Highly experienced senior financial professional with international experience Seasoned expert with almost three decades of international banking experience in corporate finance, risk management and audit, corporate governance and due diligence, product/process development and optimization, transformation and crisis management. Key competences Expertise in Having 30 years of experience in Ukrainian and European financial sector, working with banks, financial and investors and real sector companies. Experience with businesses of all sizes: from large to micro, all real sector industries and financial sector. Expertise in financial analysis of banks and corporate businesses from the lender and investor point of view. Deep understanding of risks and opportunities Helicopter view on organisation’s goals and potential threats, seeing the bigger picture while having hands-on on operational level. Pro-active identifying of risks and opportunities and generating a range of workable solutions. Performing due diligence assignments which led to successful acquisitions with further leading role in merger-related transformations. Framing issues in a way that creates clarity and incorporates others' best thinking. Leading cross-functional transformation projects. Partnership with other leaders to decide what Leadership and should be done to improve performance. Creating a constructive environment of trust and team responsibility, motivating teams to work at their best performance. Leading strategic planning and management management reporting cycles, using financial analysis and forecasting to drive decisions. Setting and pursuing direction without guidance, taking responsibility for consequences. Transformation Transforming functions to implement best practices and get max efficiency with adequate controls. and Re-designing processes including digitalization to increase capacity and cut costs. Optimizing optimization management reporting, creating real time dashboards and process metrics, allowing implementation of result driven KPIs and balanced KRIs to allow business growth. Agile decision making Developing quick tactical and long-term strategic action plans to overcome consequences of financial crisis. Ability to think different and find innovative solutions. Finding obstacles in processes and solutions to optimize. Education, Professional Certification: 2004 Association of Chartered Certified Accountants (ACCA) 1999 Kyiv State University of Trade & Economics, Banking Faculty. Master’s degree. Accounting & Audit 1995 Cherkasy Financial-Economic College. Commercial Banking. Bachelor’s degree. Diploma with honors Key expertise: Risk Management and Internal Audit: Was responsible for transformation of risk management function in two banks upon the merger. Led development of risk management framework; designed policy framework and oversaw the risk appetite cycle, effective limit control systems, KRIs and processes for identification of early warning signals, created emerging risks scanner. Enabled effective RCSA by continuous risk awareness and risk ownership campaign on top management level and cascading it to all staff levels. Developed a comprehensive risk taxonomy for financial and non-financial risks. Created from scratch, developed, re-shaped and led the Internal Audit function in different financial institutions. Implemented Business Partner approach in internal audit function keeping independence and allowing concentrating not only on risks, but on opportunities, which helped to optimize processes and maximize efficiency. Successfully managed relationship with regulators as Chief Audit Executive and as CRO. Established effective communication with Supervisory Boards and Audit and Risk Committees. Due Diligence and Financial Assessment: Participated in dozens of due diligence assignments of financial institutions, large corporations and SMEs, performed SWOT analysis for potential acquisitions, and was the sparring partner for CFO challenging forecasting models. Participated in big M&A projects at the stage of due diligence and as a part of the merger team. Assessed adherence to international standards and best practices of risk management, reporting, compliance with laws and regulations, corporate governance practices of financial institutions; provided improvement recommendations and participated in technical assistance projects aimed at their implementing to enable offering to international investors. Performed preacquisition evaluations of loan portfolios including distressed loans. As part of consulting assignments developed dozens of financial projection models for businesses of different size and industry. Corporate business and credit: Successfully optimized lending process in one of the biggest private banks in Ukraine, allowing decreasing time to decision and time to money due to implementation of a transparent work-flow system. Led a “shadow finance” function to prepare real-time management reports and dashboards, which allowed establishing effective KPIs. Developed early warning signals system and the procedures for quick and effective decision-making in times of financial crisis. Performed a number of complex loan restructurings both on bilateral and syndicated loans. Co-chaired early loan work-out committee. Led development of mid-corporate lending strategy and model. Developed and implemented new banking products to meet the needs of clients in all industries and segments, from big corporations to SMEs. Was a member of Executive Committee, Credit Committee, ALCO and Budget Committee. Exercised control over USD 2bln credit portfolio during the transition period after acquisition. Individually approved all credit applications of large corporate clients and mid-clients for tickets over $10m in a newly acquired bank. Work experience T Tomash Consulting Independent consultant: Remote Working as a freelance consultant of projects related to recovery of Ukraine (projects From Mar 2023 with/for WOCCU, USAID/DAI, Vision Fund International, EuSEF Better Europe, 89Global) Finance in Motion GmbH Interim Head of Internal Audit Function: interim part-time position, contract terminates July-February 2025 end of February 2025. Bai Tushum Bank, Independent Director of the Board of Directors Kyrgyzstan, Apr-Sep 2023 Chair of the Audit Committee, Chair of the Remuneration and Nomination Committee Gazelle Finance Investment Director for Ukraine 2023 (part-time) Working with donors and investors to raise funding for Gazelle Fund II to invest in Ukraine and Moldova. Creating a pipeline of potential investment clients. LeasePlan Corporation Director Enterprise Risk Management Amsterdam Responsible for creating integrated risk management framework to meet ECB requirements. Oversaw risk reporting, risk appetite framework, risk management cycle, Apr 2021 – Jul 2022 overarching risk methodology and improving risk aware culture. Bank Lviv Advisor to the Audit Committee of Supervisory Board Remote Performing coaching of Internal Audit function on risk-based audit approach and methodology, partnering with management and SB June 2020-Jun 2021 Advision Finance B.V. Senior Advisor Remote Consulting projects for microfinance institutions in emerging markets on risk Jun 2020 – Apr 2021 management, crisis management, process optimization, financial modeling and forecasting. Amsterdam Trade Bank, Director, Internal Audit Function Amsterdam Implemented a turnaround of the IA function to comply with best practices for risk-based Jul 2017 – Mar 2020 process-driven audits. Defined audit universe and developed a three years’ internal audit plan. Reported to Audit Committee of the Supervisory Board. Alfa-Bank Ukraine Chief Risk Officer Combined CRO position in two banks simultaneously when Alfa Group acquired control Kyiv over Ukrsotsbank (UniCredit Group). Transformed and merged risk management function. Managed a team of over 150 employees. Apr 2008 – Jun 2017 Director of Corporate Lending Led corporate finance business, including strategic planning, new products development, establishing new sales channels. Successfully optimized lending process including digitalization. Coordinated a team of 40 credit officers and project office. Chief Audit Executive Created IA function from scratch, gathered a strong team of 20 audit professionals. IPC GmbH , Kyiv Banking advisor on the Rural SME lending Program (KfW credit facility) Mar 2007 – Apr 2008 Developed selection criteria and risk-based matrix for participant banks. Conducted due diligence of short-listed candidate banks. IFC, Kyiv Banking advisor on Ukraine Banking Corporate Governance Project Apr 2005 – Nov 2006 Assessed corporate governance practices, performed due diligence and provided improvement recommendations. Delivered workshops and seminars on CG topics. PwC Kyiv Senior Auditor Nov 1999 - Apr 2005 Assurance and due diligence assignments mainly in financial institutions. Prominvestbank Cherkasy Senior credit expert, started as freshly graduated junior credit officer. Worked in Mar 1995 - Oct 1999 different areas in front- and back-office.