María Libertad Narváez Anaya

• Responsible for providing, risk mitigation, root cause analysis and process assessment for U.S. Retail Banking and Global Functions (Human Resources, Risk).
• Participation in the preparation of the annual plan, organizing reviews according to regulatory criticality.
• Responsible for process evaluation, review of the design and operational efficiency of controls.
• Responsible for reviewing evidence and clarifications to detect inconsistencies, exceptions and inefficiencies in internal processes.
• Train new staff on activities, formats and processes.
• Understand risks and apply regulations, standards, laws and procedures for U.S. consumer banking businesses and Global Functions.

Achievements:

• Develop functions designed for a more senior position at management level providing support to the area from 2021 to 2023, obtaining excellent results in decision making.
• Team management, review organization and improving communication with stakeholders.
• Coordinate teamwork with different areas, as well as with the legal area of the bank to achieve compliance with standards and meet service level agreements and timely escalations.

• Responsible for risk analysis, design of mitigation strategies and reinforcement of existing controls of credit granting processes.
• Participation in the preparation of the annual audit plan, definition of scope, time and resources.
• Supervision of credit file integration to verify compliance with internal policies, regulations and procedures.
• Responsible for the weekly review of matters subject to sanctions for validation and approval by the Credit Committee.
• Branch visits for audit review.

Achievements:

• Responsible for following up on the Top 20 customers with the highest credit lines in the business.
• Auditing loans granted to government, states and municipalities, public infrastructure projects and profitability analysis and collateral review.

• Collection of the credit lines granted.
• Responsible for following up on the client portfolio.
• Verification of compliance with documentation requirements for the granting of credit lines.
• In charge of debt collection and recovery campaigns.
• Follow-up on audit processes carried out by Fira Banco de México.

Achievements:

• Efficient Collection of 95% of the credit lines granted.
• Achieve 90% effectiveness in the audit processes.

• Responsible of credit assessment for SMEs.
• Verify banking and legal background and credit bureau, verify financial statements and collaterals; validate quality in relationships with customers and vendors.
• Financial analysis for the granting of credit lines over USD $5 million.
• Verification and correction of preventive reserve levels assigned by business line.

Achievements:

• Detect loans in time without the correct legal formalization of collaterals, preventing lines of credit from entering into loss mitigation problems.