Laura User

Performed analysis, monitoring, and governance of market, counterparty, liquidity, interest rate, and capital risk exposures for Romania's largest bank. Contributed to EBA stress testing, ICAAP, ILAAP, Basel IV, FRTB, CVA, and transparency reporting initiatives.

Conducted investment research, portfolio analysis, and risk-return optimization for local and global investment portfolios. Developed and maintained financial valuation models and investment reports for management and advisory purposes.

Led a market risk team responsible for regulatory capital, stress testing, valuation controls, and market risk oversight. Coordinated EBA stress test exercises and contributed to the assessment of FRTB implementation impacts.

Monitored market risk indicators for hedging, risk management, and regulatory purposes. Participated in VaR backtesting, stress testing, and regulatory capital assessment processes.

Conducted market analysis and investment follow-up activities for derivatives and financial products. Prepared reports on market indicators and trading opportunities to support decision-making.

Contributed to the development of an in-house liquidity risk model for financial instruments. Performed stock screening and fundamental analysis to identify investment opportunities.

Professional Risk Manager certification from the Professional Risk Managers' International Association, completed from 2015 to 2016.

Chartered Financial Analyst certification from the CFA Institute, completed from 2014 to 2016.

Grade: 9.15/10

MSc in Finance from Carlos III de Madrid University, completed from 2014 to 2015 with a GPA of 9.15/10.

Grade: 10/10

BSc in Finance and Banking from Babes-Bolyai University, completed from 2011 to 2014 with a GPA of 10/10.