Curriculum Vitae

Personal information First name(s) / Surname(s) Address(es) Telephone(s) E-mail

Natalija Mihajloska Ul. Risto Shishkov 35/8 , 1000, Skopje, Republic of Macedonia +389 78 423264 natalija.mihajloska@gmail.com

Nationality Macedonian Date of birth 01.11.1977 Gender female

Work experience Dates/ Occupation or February 2011 onwards Head of product development and branch network position held department Main activities and Product development and branch network function: responsibilities Market researches for different products, internal research of the base of existing clients, analysis of the process flow and possibility for enhancement, analysis of the effects of introducing certain adjustments or new product/process and other analysis Reviewing and preparing bank procedures Development role related to the core banking system Development of software applications with specifically designed workflow and defining the design of certain processes that involve one or more organizational units Credit and account management control function: Review and control of the application, adequacy and effectiveness of bank procedures and internal control systems related to the credit and account management

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Dates/ Occupation or March 2007 - February 2011 - Head of Compliance and Anti-money Laundering position held Department January-December 2009 - Project Manager for implementation of new core banking system Head of Compliance and Anti-money Laundering Department: Main activities and Review and assessment the appropriateness of the bank procedures and policies in responsibilities accordance to the regulatory standards and requirements; Advising and reporting to senior management on compliance matters and interpretation of national regulation; Compliance risk assessment and monitoring of the possible risk of non-compliance of the bank operations with the regulations; Assessment of the potential influence of the new/amended regulation over the bank operations; Identification and assessment of the compliance risk associated with the bank business activities, including the development of new product and business practices; Acting as liaison to external bodies, including regulators, related to compliance matters; Controls compliance of the bank operations with the regulation by performing compliance audits, based on the annual plan prepared on the risk based approach. AML activities and responsibilities: Prepare and update AML Program, policies and procedures and disseminate information to bank personal. Manages day-to-day operation of the Program Analyses and evaluates reports for suspicious transaction Coordinates reporting process to AML biro in accordance with the regulation Develops training materials and coordinates anti-money laundering process Member of the AML Commission within Banking association Project Manager for implementation of the new banking system: Defining functional and business specifications for the operations of the bank; Testing the application solutions; Specifying data migration requests; Organizing and performing training of banks employees; Organizing and coordinating user acceptance testing.

Additional activities and Member of the working group formed for assessing the efficiency of the processes in responsibilities Head Office departments 2 months engagement as Project Manager of the working group formed for assessing the efficiency of the front office processes Dates January 2003 - March 2007 Occupation or position held Internal Auditor

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Main activities and Examination and evaluation of the adequacy and effectiveness of the internal control responsibilities systems; Review of the application and effectiveness of risk management procedures and risk assessment methodologies; Review of the accuracy and reliability of the accounting records and financial reports; Review of the means of safeguarding assets; Appraisal of the economy and efficiency of the operations; Review of the systems established to ensure compliance with legal and regulatory requirements, codes of conduct and the implementation of policies and procedures; Reporting to Audit committee and Executive management regarding the work performed and results obtained. Name and address of employer Pro Credit Bank AD Skopje Type of business or sector Banking

Dates Occupation or position held Main activities and responsibilities

November 2001 - January 2003 Advisor Analyses of the clients and transactions reported by the Macedonian banks; Investigation of the suspicious cases in coordination and cooperation with the relevant state institutions (Public prosecution, Court, Financial Police, Ministry of Interior); International cooperation with the relevant institutions and Committees (mainly Select Committee of Experts on the Evaluation of Anti-Money Laundering Measures (PC-REV) within the Council of Europe) regarding AML issues

Name and address of employer Ministry of finance (Money Laundering Prevention Directorate) Type of business or sector State

Education and training November 2006 onwards CIA (Certified Internal Auditor) Internal Audit Role in Governance, Risk and Control (passed) Conducting the Internal Audit Engagement (passed) Business Analysis and Information Technology (in process) Business Management Skills Name and type of organisation Institute of Internal Auditors, Florida, USA providing education and training Dates Title of qualification awarded Principal subjects/occupational skills covered Name and type of organisation providing education and training
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Dates Title of qualification awarded Principal subjects/occupational skills covered

March 2001 Bachelor of Economy Finance and Banking University St. Kiril and Metodij Skopje

Personal skills and competences Mother tongue(s) Macedonian

Other language(s) Self-assessment European level (*)

Speaking Spoken Spoken interaction production Proficient Proficient Proficient Proficient English C2 C2 C1 C1 user user user user Proficient Proficient Independent Independent Bulgarian C2 C2 B2 B2 user user user user Proficient Proficient Proficient Proficient Croatian C2 C2 C1 C1 user user user user (*) Common European Framework of Reference for Languages

Understanding Listening Reading

Writing

C 2

Proficient user

A2 Basic user C 1 Proficient user

Social skills and competences -Training skills: Lecturer on the regular seminars organized for all bank employees on the topic AML and compliance, which is carried out under Annual plan -Presentation skills: Representative of the Bank (previously of the Money laundering Prevention Directorate) in the Committees, conferences, seminars, social events etc. Organisational skills and Experienced Internal Auditor is responsible for organizing teams to carry out various competences process audits. Position Head of departments stated above requires high organizational and communication skills as necessary requirement for successful completion of the daily tasks and projects.

Computer skills and Competent with most Microsoft Office programs competences Artistic skills and competences Playing on Violin and Mandolin

Driving licence yes

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Additional information Participation on following seminars, training courses, workshops and studies visits: 2001 Study visit of the Offices for Money Laundering Prevention of Republic of Croatia and Republic of Slovenia; 2002 Training for the employees from the Directorate and Compliance officers from Macedonian banks, held in Luxembourg in organization of ATTF (Financial Technology Transfer Agency, Luxembourg) on the subject Compliance in banks and Prevention of Money Laundering; 2002 Participation on the First meeting of the Task Force on financial and computer crime, SECI (Southeast European Cooperative Initiative Regional Center for Combating Transborder Crime); 2002 Training for combating financial and computer crime in organization of the Ministry of finance and SECI (Southeast European Cooperative Initiative Regional Center for Combating Transborder Crime); 2002 -"Fight against money Laundering and Financial Fraud", training realized by Office of technical assistance, within the US Department of Treasury, in organization of American Embassy and Ministry of Finance; 2002 Member of the Macedonian delegation on the 4th Typology meeting of the Select Committee of Experts on the Evaluation of Anti-Money Laundering Measures (PC-R-EV) within the Council of Europe, held in Vaduz, Lichtenstein; 2002 Member of the expert team that was involved, together with the representatives from the United Nation Centre for international prevention of Crime (main office in Vienna, Austria), in the activities directed forward ratification of the United Nation Convention against transnational organized crime. 2002- Training realized by Office of technical assistance, within the US Department of Treasury, in organization of American Embassy on which practical cases of money laundering were presented by experts from United States and Republic of Greece. 2002 Study visit of the Ministry of Justice, Police and Commerzbank (Compliance Department) in organization of (GTZ Deutsche Gesellschaft fuer Technische Zusammenarbeit), (Frankfurt and Wiesbaden), Germany;

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2002 Training seminar of evaluators of the Select Committee of Experts on the Evaluation of Anti-Money Laundering Measures (PC-R-EV) within the Council of Europe, held in Cyprus 2004 March Internal Audit Workshop, IMI Internationale Micro Investitionen AG, Frankfurt (Main) Germany 2004 - Continuing Professional Education Audit, United States Agency for International Development (USAID) 2005 April - Internal Audit Workshop, ProCredit Holding AG, Frankfurt (Main) Germany 2007 April Risk Management (Basel II) - held in Skopje in organization of ATTF (Financial Technology Transfer Agency, Luxembourg) 2009 March June Middle management course in ProCredit Regional Academy (6 blocks in duration of 2 weeks each) Communication skills, Presentation skills, Decision making, Development finance, Economy, Risk management, Internal controls, Marketing 2009 March January 2010 Schwarts and Partner management training course (4 blocks Communication and leadership basics; Target orientation and Staff Talks; Leadership personality and team Dynamics; Empowerment conflict, Management motivation) 2010 June Siron AML, Embargo and PEP software - user training, organized and held in Tonbeller training centre in Bensheim, Germany

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