Sona Rostomyan

• Coordinates branch functions optimization, automation and centralization • Supports branches with ad-hoc problem solutions being a bridge between branches & back office divisions • Audits subsidiary operations and processes • Organizes collection of subsidiary problems and solution implementation • Coordinates FATCA implementation process in Retail Banking Department • Holds workshops and seminars for relevant bank staff on different issues (FATCA, AS Bank Software, etc.)

• Automated settlement process with correspondent banks and thus saved 3.5man-hour per working day spent on manual record keeping • Monitored money transfers activities • Analyzed cross selling opportunities in retail banking and coordinated cross selling process with bank branches • Analyzed bank branches’ performance vs. business plan • Improved internal procedures for payment systems and cheques • Organized cheques collection and settlement with international partners

• Led a team of five people during the time of bank’s merger • Introduced improvements to the procedures of the bank’s credit card operations • Coached new team members • Modified and developed plastic card transaction formalization processes • Performed duties of Deputy Head of Back Office for the periods of the Back Office Head’s vacations • Verified and authorized different banking operations (payment orders, foreign exchange transactions, accounts receivable records, etc.)

• Led a team of five people during the time of bank’s merger • Introduced improvements to the procedures of the bank’s credit card operations • Coached new team members • Modified and developed plastic card transaction formalization processes • Performed duties of Deputy Head of Back Office for the periods of the Back Office Head’s vacations • Verified and authorized different banking operations (payment orders, foreign exchange transactions, accounts receivable records, etc.)

• Processed client payment orders (local and international with SWIFT), non-cash FX transactions • Formalized card (Visa, MasterCard, etc.), POS and ATM transactions, including chargebacks and representations • Formalized security transactions (futures, options, share purchase and sale, etc.) • Reconciled terms of time deposit, loan, credit line, overdraft, collateral, guarantee, LC, factoring agreements • Processed repayment and interest related operations

• Introduced bank services to new clients • Provided information to clients on their accounts balance and transactions by phone and in the bank • Prepared account statements for corporate clients

F1 (Accountant in Business) F2 (Management Accounting) F3 (Financial Accounting) F4 (Global Law) F5 (Performance Management) F6 (Taxation (UK)) F7 (Financial Reporting) F8 (Audit and Assurance) F9 (Financial Management)