Jeffrey Agaya
Chief Risk Officer
Marikina City
Summary
Expert Chief Risk Officer with 10 years of experience. Spearheads strategic planning initiatives relating to development and maintenance of risk management procedures meeting corporate-defined operational requirements. Strong contributor achieving goals through strong analytical skills and structured approach to resolution.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Chief Risk Officer
Netbank (A Rural Bank) Inc.
2024.06 - Current
- Presented risk-related findings to executive management and the board of directors, ensuring that key stakeholders are equipped with the information needed to make informed decisions.
- Collaborated with senior leadership to develop strategic plans that account for both current and future risks.
- Strengthened internal controls by designing and implementing audit procedures to identify areas of potential vulnerability.
- Optimized capital allocation decisions by providing insightful analysis on the organization''s risk exposure.
- Mentored junior team members to enhance their understanding of complex risk concepts and methodologies, ultimately building a stronger departmental skillset.
Enterprise Risk Manager
Netbank (A Rural Bank) Inc.
2024.04 - 2024.06
- Led the development and implementation of the operational risk management framework
- Conducted thorough risk assessments of business processes, systems, and controls, identifying and mitigating key operational risks to enhance resilience and efficiency
- Collaborated with cross-functional teams to design and implement credit risk policies and procedures, ensuring compliance with regulatory requirements and industry best practices
- Managed the credit risk portfolio, analyzing borrower financials, assessing creditworthiness, and monitoring portfolio performance to mitigate potential losses
- Facilitated incident management processes, investigating and resolving operational incidents in a timely manner, and implementing preventive measures to minimize recurrence
- Prepared and presented regular risk reports to senior management, providing insights into risk exposures, emerging trends, and mitigation strategies
- Conducted training sessions and workshops to increase staff awareness of operational and credit risk management principles, fostering a risk-aware culture across the organization.
Risk Manager
Chang Hwa Commercial Bank Ltd - Manila Branch
2023.08 - 2024.03
- Conducting thorough risk assessments to identify potential threats and vulnerabilities in the Branch’s operations
- Developing and implementing risk management policies and procedures to ensure compliance with regulations and industry standards
- Liaising with managers to determine training needs and schedule training sessions
- Regularly monitoring key risk indicators and preparing comprehensive reports for senior management and regulatory authorities
- Assessing and managing credit risk by evaluating the creditworthiness of borrowers and ensuring appropriate risk mitigation strategies
- Analyzing market trends and external factors that may impact the bank's financial stability and recommending risk mitigation strategies
- Identifying and mitigating operational risks by implementing controls and continuous monitoring of operational processes
- Ensuring the bank's adherence to relevant laws and regulations, and coordinating with compliance officers to address any compliance issues
- Conducting stress tests to evaluate the resilience of the bank's financial position under various adverse scenarios
- Providing training to bank staff on risk management practices and promoting a culture of risk awareness within the organization
- Developing contingency plans and participating in crisis management activities to ensure the bank is prepared for unforeseen events.
Senior Commercial Loan Analyst
Wells Fargo International Solutions LLC
2021.01 - 2023.07
- Performs documents quality checking for the loan origination process of Commercial Banking – Equipment Finance business segment of Wells Fargo Bank NA
- Analyzes active loan files on a regular basis and recommend solutions to speed up the loan process
- Liaising with managers to determine training needs and schedule training sessions
- Designing effective training programs
- Book participated equipment finance loans, including performing file maintenance for modifications, extensions, etc
- Provides assistance, guidance, and training for users of loan systems/operations and communicates system changes or problems to all areas of lending and customer service personnel affected
- Reports perceived weaknesses and problems requiring attention to be addressed by management
- Answers in-house inquiries regarding all Booking/Funding department functions, particularly those that are unusual and complex in nature
- Develops/maintains procedures for all primary duties to insure they are up to date and accurate Document quality assurance activities and create audit reports
- Make recommendations for improvement
- Create training deck based on operating manuals.
Compliance Analyst
ING Hubs Philippines
2019.05 - 2021.01
- Enhanced regulatory, strategic and operational performance to keep in alignment with deadlines
- Supported KYC processes for prospective and existing customers
- Advised Team Manager and QC Managers of thematic issues to incorporate best practices for future processes
- Adjusted end-to-end KYC process needs to align with workforce capabilities
- Consulted with compliance department to create regulatory reports
- Prepared high-risk reviews with results and recommendations for customer onboarding, closure and retention
- Complied with internal controls and government regulations
- Produced effective procedures for performing KYC due diligence and deployed monitoring processes to keep teams consistent in all areas.
Assistant Relationship Manager
BDO Unibank Inc.
2014.07 - 2019.05
- Made decisions and recommendations about extending lines of credit
- KYC/CDD review of newly on boarded and existing clients (Correspondent Banks/Financial Institutions)
- FATCA review of newly onboarded and existing clients (Correspondent Banks/Financial Institutions)
- Handles payments inquiries related to: Commercial Payments - (SWIFT (MT103s), RTGS and Pesonet)
- Trade Financing (LCs, DBSLCs, Guarantees and SBLC – MT700s) Treasury Fundings (Nostro/Vostro accounts, MT202s, MT900s, MT300
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment
- Improved understanding of financial statements, which helped in assessing risk
- Performed credit reviews on corporations to assess financial conditions
- Increased customer satisfaction by resolving trade, remittance and treasury transactions issues
- Worked with correspondent banking customers to understand needs and provide appropriate products/service
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
Education
Bachelor of Science - Banking And Finance
Polytechnic University of The Philippines
Manila, Metro Manila, Philippines 2001.04 -
Skills
Relationship Management
Risk Management
Operational Risk Management
Credit Risk Management
Business Continuity Plan
ICAAP
Recovery Plan
Loan Syndication
Liquidity Risk
Trade Imports Export
Certification
Google Data Analytics Professional Certificate, Google, 05/29/24, EJKHT9ZX2HYA, https://www.credly.com/badges/54d5f608-b194-4bea-a059-7a1687f80759/linked_in_profile
Timeline
Chief Risk Officer
Netbank (A Rural Bank) Inc.
2024.06 - Current
Google Data Analytics Professional Certificate, Google, 05/29/24, EJKHT9ZX2HYA, https://www.credly.com/badges/54d5f608-b194-4bea-a059-7a1687f80759/linked_in_profile
2024-05
Enterprise Risk Manager
Netbank (A Rural Bank) Inc.
2024.04 - 2024.06
Risk Manager
Chang Hwa Commercial Bank Ltd - Manila Branch
2023.08 - 2024.03
Senior Commercial Loan Analyst
Wells Fargo International Solutions LLC
2021.01 - 2023.07
Compliance Analyst
ING Hubs Philippines
2019.05 - 2021.01
Assistant Relationship Manager
BDO Unibank Inc.
2014.07 - 2019.05
Bachelor of Science - Banking And Finance
Polytechnic University of The Philippines
2001.04 -
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