EMPLOYMENT HISTORY:-

• Bank Rating and Financial Sector Credit Analysis / Project Management: 1991 to date (2016):
• Capital Intelligence (CI), Cyprus, Senior Credit Analyst, Member Rating Committee – 2000 / to date 2016:-
  
• Assess ratings and produce reports, analysing financial and other operating factors, on banks and banking in:
  
• Currently 2010 –to date 2016: Czech Republic, Hungary, Poland, Romania, Slovakia and South Africa;
  
• Reviewer of reports on banks and banking in China, Cyprus, Greece, Hong Kong, Indonesia, (and Sri Lanka);
  
• formerly covering Bahrain, the Baltic States, Cyprus, Greece, Libya, Qatar, Taiwan, (Thailand), Yemen. 
• European Commission (EC) - Team Leader / Senior Adviser - PHARE / TACIS Programmes – 1997 / 2014:- 
• National Bank of Moldova – Banking Supervision - subcontract with AriaConsult, Paris 2013 / 2014
  
• Team Leader - Twinning fiche re transition to Basel III from Basel I, with fiche re non-bank financial services. 
• National Bank of Ukraine – Banking Supervision - subcontract with Planet SA, Athens 2008 / 2010
  
• Key Expert - Banking – EC Project ‘Strengthening the Ukrainian Financial Services sector’ Banking Supervision consolidated supervision; transition to IFRS for insurance companies. 
• National Bank of Romania – Accounting Department - subcontract with Planet SA, Athens – 2005 / 2006
  
• Team Leader Review accounting system and recommend improvements to disclosure, procedures, systems