Murat Çömez
Summary
Detail-oriented Operational Risk professional with 3+ years in international banking and fintech. Skilled in assessing operational risks, conducting RCSAs, and enhancing governance frameworks. Expertise in designing risk frameworks, driving remediation initiatives, and collaborating with business stakeholders to strengthen controls and resilience. Strong analytical and communication abilities support effective risk-informed decision-making across diverse teams.
Overview
3
3
Languages
3
3
years of professional experience
Work History
Operational Risk Analyst
Solaris SE
Berlin
11.2024 - 04.2026
- Framework Enhancement: Owned and redesigned the Loss Event Review Framework by replacing a fully manual review process with a risk-based workflow, reducing review effort by 60–80% and enabling the Second Line of Defense to focus on material operational risks.
- Assessment Methodology: Designed and implemented a multi-dimensional loss event severity methodology incorporating Financial, Regulatory, Anti-Financial Crime (AFC), ESG, Reputational, Third-Party, and Business Risk impacts, improving incident prioritization, escalation decisions, and independent operational risk assessments.
- Emerging Risk Reviews: Developed the organization’s first methodology for identifying recurring systemic operational risks from unstructured loss event data using keyword mapping, trend analysis, and risk classification, enabling systemic risks to be distinguished from isolated one-time incidents.
- Platform Transformation: Led the end-to-end migration of 1,100+ historical loss events into Jira by designing governance workflows, data structures, custom fields, and automated processes, creating a standardized and audit-ready operational risk management platform.
- Loss Event Detection: Developed a reconciliation methodology in collaboration with Finance and Legal that increased the detection of previously overlooked operational loss events by more than 30%, strengthening reporting accuracy and control effectiveness.
- Fraud Analytics: Performed deep-dive root cause analyses on fraud-related loss events, identifying recurring control weaknesses that led to product algorithm improvements and strengthened preventive controls.
- Executive Reporting: Designed executive dashboards providing real-time visibility into operational risk exposure, ownership, severity distribution, and remediation progress, enabling data-driven governance and management decision-making.
- Change Management: Led the organization-wide rollout of the new Loss Event Reporting Framework by developing training materials and delivering training sessions, improving reporting quality and achieving first-time incident reporting from previously inactive business units.
- Operational Risk Management: Facilitated Risk and Control Self-Assessments (RCSA), Key Risk Indicator (KRI) monitoring, root cause analyses, remediation tracking, and operational risk reporting across multiple business functions within the Second Line of Defense.
- Second Line Oversight: Reviewed and challenged First Line operational risk assessments, ensuring appropriate incident classification, ownership, remediation actions, and governance in line with Second Line oversight responsibilities.
Risk Analyst
Oyak Anker Bank
Frankfurt am Main
08.2023 - 09.2024
- Performed risk calculations, stress testing, and reporting across material risk types, contributing to risk-bearing capacity (RBC) assessments and management decision-making
- Strengthened risk governance and reporting processes, enhancing consistency and transparency across risk functions to support informed decision-making
- Integrated ESG risk factors into counterparty credit risk methodology, developing the bank’s first ESG-specific stress testing approach
- Led risk scenario identification workshops with cross-functional stakeholders, developing parameters for the Operational Loss Distribution Model to enhance risk assessment accuracy
- Conducted gap analyses for MaRisk 7th and 8th amendments, supporting regulatory compliance and strengthening internal risk frameworks in line with BaFin requirements
- Analysed macroeconomic and sector trends to inform credit risk advisory, formulating management recommendations on client, sector, and country exposure limits
Outsourcing Risk Management Intern
N26 Bank
Berlin
03.2023 - 07.2023
- Enhanced TPRM reporting completeness by increasing KRI/KPI coverage from ~52% to over 95%, optimizing data quality and oversight in alignment with DORA's operational resilience standards.
- Supported third-party risk management (TPRM) and outsourcing governance, ensuring compliance with BaFin control frameworks.
- Collaborated with business owners to define Service Level Agreements (SLAs) and maintain outsourcing documentation, enhancing risk reporting and third-party governance transparency.
Education
MA - International Economics
Berlin School of Economics and Law (HWR Berlin)
01-2022
Bsc - International Trade and Business
Istanbul Bilgi University
01-2019
Skills
- Risk assessment
- Operational risk
- Risk governance
- Risk analytics
- Stress testing
- Regulatory compliance
- Data analysis
- Risk reporting
- Governance frameworks
- Incident classification
- Root cause analysis
- Process automation
- Process innovation
- Stakeholder collaboration
- Organisation & Execution
- Executive communication
RCSA
Languages
English
Advanced
C1
German
Upper Intermediate
B2
Turkish
Proficient
C2
Timeline
Operational Risk Analyst
Solaris SE
11.2024 - 04.2026
Risk Analyst
Oyak Anker Bank
08.2023 - 09.2024
Outsourcing Risk Management Intern
N26 Bank
03.2023 - 07.2023
MA - International Economics
Berlin School of Economics and Law (HWR Berlin)
Bsc - International Trade and Business
Istanbul Bilgi University