I am interested and I am offering know-how and practical managerial experience in the following main areas: retail banking, micro- banking, microfinance, community development, e-banking; risk management; EU Phare/Europe Aid, World Bank, French Development Program consulting funded projects, SME management/finance/accounting/IT, SME lending, SME financing (external credit lines from International financial Institutions on-lent to local banks), donor fundraising and reporting, bank regulation and supervision, public finance, local public finance & administration, policy designing and implementation; European Union legal framework; project management; training seminars presentation. My specific expertise covers areas such as: institutional building of financial institutions in less developed, post-conflict, developing or transition countries/ regions; macro and microeconomics; business strategy and planning; bank and firm budgeting; bank reporting for internal and external purposes, bank risk management [ (Basel II Accord revised in November 2005 – pillars 1 & 2, 3) credit risk, market risk, operational risk and strategy risk, compliance risk, technological risk, money laundering risk];knowledge of GAAP, IFRS/IAS, US Sarbanes-Oxley, EU MiFID and ISDA Credit Support Annex regulations; knowledge of Basel II Accord risk management compliant software packages produced by Cognos, Business Objects, Sungard, SAS, SAP Algorithmics, Information Builders, Oracle, IBM etc; knowledge of new technologies for bank management in the areas of risk management, planning, budgeting, forecasting, performance, branch, product& customer profitability, total quality management (BI, ERP, CRM, CPM, SCM, Six Sigma, Hoshin Kanri, etc. developed by Cognos, SAS, Oracle/Siebel, SAP, Algorithmics, Business Object, Sungard, Hyperion etc); lending and savings products and services; structured products (financial derivatives) ; cash management; loan cash flow planning; internal control systems; internal & external audit; credit analysis; project financing; trade financing; marketing management; customer relationship management; human resources management; staff incentive schemes; change management; asset & liability management; financial analysis; products costing and pricing; branch network performance and organizational analysis, management & restructuring; financial & managerial accounting; corporate finance; internal fund transfer pricing; loans and savings (product) profitability analysis; administration management; micro-banking and microfinance products and services; microfinance management; micro-finance impact studies; public finance budgeting; state treasury organization and management; internal/external public debt management, DMFAS program; cash & debt management; fiscal policy & management; anti- tax evasion policy & management, customs policy and management, public procurements, local government structure and funding; electronic payment/settlement system; designing and implementation coordination of accounting and MIS; drafting legal framework in the areas of banking, microfinance, commercial business, public finance; training seminars organization and presentation in the areas of retail banking, micro- banking, microfinance, public finance, policy designing and implementation, etc.