As a Protection of Interests of clients Responsible Officer (PICRO):

• lead and manage PIC Compliance within the Bank;
• coordinate and control implementation of PIC standards within the Bank;
• ensure that all bank's activities comply with Group (EU) and local regulations on PIC compliance;
• coordinate with the Group (EU) PIC compliance team ensuring compliance with Group (EU) procedures requirements, and Ukrainian related laws and regulations;
• PIC risk assessment of the bank's products;
• identify PIC risks and define action plans to mitigate them;
• ensure PIC set-up and related controls within the Business lines;
• advise Business lines and Functions of the Bank on PIC issues;
• implement, review and update PIC policies and procedures;
• contribute to PIC trainings for the staff;
• analyse of customer complaints on PIC and other Compliance risks;
• participate in special Committees within the Bank and prepare the expert assessment on PIC risks;
• prepare and present reporting on PIC topics for the Group, Management Board and Supervisory Board;
• approve all the marketing materials and other information delivered to clients on products and services of the Bank;
• approve answers on customers complaints and requests of the State institutions;
• monitoring changes in legislation and control over the implementation per the above changes in the relevant procedures and processes of the bank.

As a Protection of Interests of clients Responsible Officer (PICRO):

• lead and manage PIC Compliance within the Bank;
• coordinate and control implementation of PIC standards within the Bank; ensure that all bank's activities comply with Group (EU) and local regulations on PIC compliance;
• coordinate with the Group (EU) PIC compliance team ensuring compliance with Group (EU) procedures requirements, and Ukrainian related laws and regulations;
• PIC risk assessment of the bank's products;
• identify PIC risks and define action plans to mitigate them;
• ensure PIC set-up and related controls within the Business lines;
• advise Business lines and Functions of the Bank on PIC issues;
• implement, review and update PIC policies and procedures;
• contribute to PIC trainings for the staff;
• analyse of customer complaints on PIC and other Compliance risks;
• participate in special Committees within the Bank and prepare the expert assessment on PIC risks;
• prepare and present reporting on PIC topics for the Group, Management Board and Supervisory Board;
• approve all the marketing materials and other information delivered to clients on products and services of the Bank;
• approve answers on customers complaints and requests of the State institutions.

• Performing of permanent post controls on different Compliance topics (Financial security, Sanctions, Anti money laundering, Protection interests of clients, Professional ethic, FATCA, Market integrity) within the bank;
• Ensuring compliance with Group (EU) and Bank's procedures requirements, and Ukrainian laws and regulations;
• Implementation of methodologies and procedures related to the Compliance controls;
• Development and follow-up of Action Plans for defined shortcomings within checks in order to mitigate and prevent Compliance risks;
• Consultation, collaboration and communication with different functions of the bank and Group (Compliance, Business, Operations...) on Compliance control topics.

• organization of work, general management and control over the activities of the department;
• validation the credit transactions, centralized control and support of deals (from start to finish);
• quality control of client's contracts, solve the disputes and data entry of all details of the deal into the bank software;
• data consolidation and preparation of various reports (weekly, monthly etc.);
• analysis of financial statements and client's accounts;
• providing consultation to all branches and other departments (Accounting, Commercial, Law; etc)
• identifying opportunities and making proposals for automation, improvement and optimization of credit operations and processes.