CURRICULUM VITAE FAMILY NAME :

FIRST NAME :

DATE OF BIRTH :

NATIONALITY :

CIVIL STATUS :

I am a business analyst with international experience on strategy, organization, business

process reengineering, Anti-Fraud, Anti-Money Laundering and Watch List Management

in the banking and non-banking sector.

Keywords are customer focus, flexibility, responsibility and freedom of working. I like the

challenge of working with people of many cultures and to accomplish the predefined

goals together.

I have proven my quality over and over in many projects, always based on a perfect

business analyses.

My aim is to improving the situation of Micro- and Small enterprises and individuals in

developing countries. I believe that structural solutions like agent banking, mobile

banking and the related financial access country wide is the solution for this.

Experience:

-Worked within many business units and foreign partner banks of Rabobank. Currently

Business Analyst on Anti-Fraud, Anti-Money

Laundering and Sanctions for Rabobank Supervision and Rabobank International.

-International experience on business analyses and process optimization.

-Supported a Zambian Airline on strategy and process optimization.

Goals:

-Design of agricultural process chains.

-As part-time freelancer support Medium and Large

enterprises to realize business process reengineering.

Specialties:

-Business Analyses & Business Process Reengineering

-Organization Structures, Policies & Procedures

-Process Management and Organization & Methods

-Mobile Banking structures

-Business Change Management

-Business Continuity Management

-Credit Process (SME/Corporates)

DATE: April 2015

Married, with children

Dutch

24 January 1957

Robert

Gerards

INTRODUCTION:

DATE: INSTITUTION: TYPE OF STUDY:

2014 NEDERLANDS COMPLIANCE INSTITUUT E-Learning Compliance

2013 JDRIVEN Boot camp Agile; Lean; Scrum.

2012 RECO Requirements Management

2008 CIBIT Master class Architecture & Business

2005 PEGA SYSTEMS (London) Business Rules Process Commander

2001 ORDINA Information Analyses

2000 CIBIT Essentials of Modern System Development (8 separate modules): Object Oriented

design; Component Based Development; Web design; Unified Process; Modelling and

Design with UML; Business and Requirements; System Analysis; System Design.

1993 EXIM AMBI: Information technology 1 and 2; Database Management; Office Automation;

System Design; Decision Supports Systems.

1991 ISW Office Manager1991 Rabobank Quality Assurance Manager1991 SWIFT Payments and Statements1991 NIBE Basis; Domestic- and Foreign Payments1969 - 1977 Hendrik van der Vlist College, Utrecht Mavo 3, Mavo 4, Havo5 ((Upper) Secondary Administrative Education). After finishing

Mavo 4, worked for one year at Bleeker Optical, Zeist.

OTHER COURSES INSTITUTION: TYPE OF STUDY:

PBNA PBNA Business EconomicsRABOBANK Operational managementSelf Study All Microsoft applications Excel/Word/Power Point/Access/FrontPage/Visio

RABOBANK Personal effectiveness training

Reading Speaking

Dutch Mother tongue

French 1 1

English 1 1

EDUCATION

LANGUAGE SKILLS (1 = excellent, 5 = slight X = Bad):

Portuguese 5 5

German 2 3

DATE: POSITION:

2011-2015 Business Analyst Rabobank ICT

Flexible and the ability perform in projects related to different disciplines, circumstances and cultures.

Participate in projects that realized Anti Money Laundering, Sanctions/Watch List

Management Systems for Rabobank Supervision, Rabobank International branches and

Internet Direct Banks in order to comply to local/international compliance rules and

regulations.

Proven experienced advisor on process optimization and process redesign for Rabobank The Netherlands, Rabobank International and Rabobank Development/Rabobank

International Advisory Service (RIAS)

Initiator, creative, pro-active, team player, tenacious. Like to start new challenges.

Proven ability to inspire individual staff and project teams to go for the best possible result.

OTHER SKILLS:

COUNTRIES of EXPERIENCE (color bleu = work related):

Proven experienced advisor on Anti Fraud, Anti Money Laundering and Sanctions/Watch List Management (knowledge and Systems) for Rabobank Supervision, Rabobank

Development/Rabobank International and Rabobank International Advisory Service (RIAS)

PROFESSIONAL EXPERIENCE RECORD

DESCRIPTION:

PRESENT POSITION :

YEARS WITH THE FIRM :

Experienced in the translation of business needs to system solutions including related embedding in the organization.

Short Term Rabo Development/RIAS consultant

Business Analyst Rabobank ICT

Back- and Front office Operations; Credit process; Loans and Deposits; Derivatives; Operational Risk Management and Compliance; Trade services; Product development; Internal

Audit; Product development; Business rule setup and management; Micro- and SME Finance; Warehouse Receipt Financing; ATM/POS techniques; Fraud Detection, Anti Money

Laundering, Sanctions/Watch List Management (regarding Knowledge, Systems and Suppliers)

Finland, Sweden, Denmark, Germany, Austria, United Kingdom, Belgium, France, Italy, Spain, Greece, Turkey, Venezuela, Paraguay, Argentina, Brazil, Tunisia, Morocco, Israel,

Macedonia, Mauretania, Tanzania, Mozambique, South Africa, Kenya, Venezuela, Paraguay, Argentina, Brazil, Zambia, Malawi, Uganda.

KEY QUALIFICATIONS :

24

Consultant Rabo Development/RIAS

2004-2006 Business Analyst Group ICT System Realization

Advised National Bank of Iraq and Export and Finance Bank Jordania (currently named

Capital bank) and Principal Bank for Development and Agriculture, Egypt on process

analyses, business process re-engineering and embedding of process management.

Did participate in several ICT projects related to the following disciplines: Trade Services,

Currently providing technical assistance on Anti Money Laundering, Sanctions/Watch

List Management, Compliance (knowledge and Systems) at National Microfinance Bank

Tanzania, Zambia Commercial Zambia and DFCU Uganda. This in order to comply to local

and international compliance rules and regulations. 2006-2012: Performed business

process re-engineering at the National Microfinance Bank Tanzania, Banque du

Commerce et d’Industrie Mauretania, Zambia Commercial Zambia, Banco Terra

Mozambique, First Merchant bank Malawi, Banco Regional Paraguay (Organization

Structure, Bank hall, back office , ATM, Mobile banking, Credit Process, Operations,

Procurement, BCM, AML,WLM, Central Bank Reporting and elaboration of Business Unit

policies)

2006-2015

2002-2004 Information Analyst IBS System Development

Corporates2001-2004 Information Analyst ITM Project management &

Consultancy2000-2001 Consultant department Information Technology

Management.1999-2000 Consultant Integration Management

1997-1998 Staff member Project Management and Consultancy

Rabobank International

Staff member of the Euro Project Office.

1995-1997 Staff member Support Office Corporate Banking and

Control Rabobank International1994-1995 Staff member Credit Management

1991-1994 Junior consultant payment services

1988-1991 Manager domestic and foreign payments services

Corporates1984-1988 Middle manager domestic payments department

1979-1984 Staff member domestic payments department Handling and processing foreign payments.

Coordinate the process of payment handling and processing.

Management of payment department Corporates (22 FTE)

Responsible for realization of a more efficient IT Change Process.

Did participate in projects regarding Central Exposure Management Corporate Clients.

Elaboration of changes on Cash Management Systems related to the migration of NLG to

EURO.

Execution and monitoring of production- and user acceptance tests during Euro

conversion.

Process control of primary critical production systems during and short after the Euro

conversion.

Advise on Millennium chain tests and architectural challenges.

Participate in Intranet and Internet based Cash Management

Manager of a team of system designers.

Coordination of the IT maintenance and support department.

Compose and report monthly financial result of the Corporate Clients department.

Compose and manage limit breach reports for Account Management.

Manager of electronic Transaction Initiation project.

Manage Atlas (Corporate core banking system) customer contract administration. Setup

accounts, credit facilities, limits and loans contracts.

HOBBIES

Running, drama(acting), guitar, architecture