Ruijie Luo
Frankfurt a.M
Summary
I am ambitious and progressive individual with an open mind and proactive attitude. Possessing a cheerful love for sports, I bring a strong sense of responsibility, learning ability, and executive prowess to the table. Ultimate goal is to pursue in-depth career development in the field of risk management, constantly seeking new challenges to enhance skills.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Risk Associate in Risk Management
KEB Hana Bank (D) AG
12.2023 - Current
- Participation in the preparation and review of monthly risk reporting for management
- Quarterly risk Report for Risk committee and Bundesbank, yearly FinaRisk to Bundesbank
- Calculation of credit, market, liquidity, operational risks, business risk by using the risk control software THINC by MSG
- Familiar with Credit metrics Risk model, Basel 3 with new calculation of Operational risk
- Quarterly ICAAP Reporting with economic perspective, and limits controlling, yearly risk report with normative perspective, and stress test in different scenarios, and ad hoc LSI stress test to Bundesbank
- Implementation of IRRBB reporting Project with new MaRisk regulation
- Setup and execution of business planning in the risk control
- Contribution to the annual review of risk inventory
- Participation in the annual update of risk management policies and documentation
- Assistance in executing the recovery plan
- Maintenance and monitoring of portfolio positions in the risk control software
Senior Risk Analyst in Risk Management
Bank of Communications Frankfurt Branch
08.2021 - 11.2023
- Daily run and check LCR and COREP reports in BAIS
- Continue to care supervision requirements, such as CRR-2, Ma-Risk, requirement on liquidity
- Create financial model and daily calculate and run Risk Bearing Capacity in economic approach- IRBA, it contains monitor on total risk exposure (Counterparty Credit Risk; VaR from Market Risk- like: Interest rate risk, Credit spread risk, FX-risk; Operational Risk; Liquidity Risk), CR, LCR, NSFR as well as FX position, and daily generate short reports for Management team
- Prior monitoring of various indicators which contains financial market, exchange rate, Swap-index, reference rate as well as risk exposure and operational risk
- Report monthly credit risk reports (loan, bonds), country risk exposure and market risk report to head office
- Update external rating, internal probability of default and loss of given default
- Processing and prepare the data for the monthly internal stress-test (+- 200 Bps and 6 interest shock) as well as regulatory stress tests for Bafin, run and modify the model
- Combine and report quarterly risk assessment reports and other analysis reports for the whole branch to head office
- Calculate and report the validity of hedge accounting for derivative transactions in Bloomberg
- Report Anna Credit reports via BAIS and support with internal and external audits and audits from Head Office
- Quarterly calculate loss provision (PWB) for Branch
Anaylst in Finance
Bank of Communications Frankfurt Branch
03.2019 - 08.2021
- Monitoring and evaluation of interest rate derivatives and market price of the Bonds
- Analysis and maintenance of the yield curve above fixed income and swap in the summit (Treasury) system, and handle every received interest
- Offsetting interest rate adjustment of variable and fixed securities Interest, payment of the swap interest rate; and control and processing of FX, securities, CD and interest rate swap transactions, process with Bloomberg data or Reuters
- Creation of the daily reconciliation sheet of accounts, BAIS reports such as LCR / C1-C4 and daily balance, -P/L sheet, daily regulatory reporting; monthly AML reports, regulation and adjustment of the monthly balance sheet (from HGB to IFRS)
- Preparation and filling out of the quarterly RWA report (Basel Accord), as well as administrative reports of Branch for Head Office and China Banking and Insurance Regulatory Commission
- Preparation and support on internal and external audit, tax audit, Risk department (stress test for Bundesbank and Head Office), such as the table of external economic flows for Bafin
- Send, check and reply to the various Swift message
Internship
Huawei Technologies CO., LTD
11.2017 - 04.2018
- Collection, assignment, summary of accounting relevant information from the Oracle system on various Excel tables
- Annual financial statement analysis and support on the presentation of the monthly annual report and short report for every finance manager from different representative offices in different countries
- Monthly review of the budget and forecast and entry of the results in the Enterprise Resources Planning (ERP) system and compare KPI between different representative offices
- Creation and effective distribution of the propagating PPT in the sector of the company's financial regulations for all Western European employees
- Translation of key documents and company announcement from Chinese to English
- Assistant for challenging tasks such as film editing for HR, organization of the Christmas event for the company
Internship
Yankon energetic lighting CO., LTD
08.2017 - 09.2017
- Support on the daily business of the logistics sector
- Entry and review of balance sheet and warehouse data
Workingstudent
Ergo Versicherung Co.,Ltd.
08.2014 - 06.2015
- Support on the self-employed commercial agent in daily business, selling insurance contracts
- Participation in and optimization of internal training courses as well as customer advice and -support
Internship
Huasheng Caol-Company CO., LTD
07.2013 - 08.2013
- Review of balance sheet and check invoices
- Assistance with tax matters
Education
Master of Science - Accounting and Finance
University of Duisburg And Essen. Mercator School of Management
Duisburg, Germany10-2018
Bachelor of Arts - Business administration
University of Applied Sciences For Economics & Management
Essen, Germany07.2015
Bachelor of Arts - Finance
Shanxi University of Finance & Economics
Taiyuan, China07.2015
Skills
- Very good knowledge of MS Office, especially Excel
- Bloomberg
- Reuters
- Summit Treasury
- BAIS from MSG
- THINC from MSG
- IRRBB Transfer app
- Swift
- VBA
- Credit Metrics Risk model
- Monte-Carlo-Simulation
- SQL
- R-studio
Certification
- Chinese statistics certification
- German / English C1
- Driving License: German (B1), Chinese (C1)
Hobbies and Interests
A member of the college football Club during Bachelor
Twice national scholarships, five times college scholarships
JP Morgan run in Frankfurt, 2019/ 2024
Members at Mainloong Dragon Boat Club, since 2019
Members at Badminton DASV Club, since 2023
Stock investment, Football, Swimming, Traveling, Gym
Personal Information
- Family Status: single
- Date of Birth: 03/01/93
- Nationality: China
Languages
German
Advanced (C1)
English
Advanced (C1)
Chinese (Mandarin)
Bilingual or Proficient (C2)
Timeline
Risk Associate in Risk Management
KEB Hana Bank (D) AG
12.2023 - Current
Senior Risk Analyst in Risk Management
Bank of Communications Frankfurt Branch
08.2021 - 11.2023
Anaylst in Finance
Bank of Communications Frankfurt Branch
03.2019 - 08.2021
Internship
Huawei Technologies CO., LTD
11.2017 - 04.2018
Internship
Yankon energetic lighting CO., LTD
08.2017 - 09.2017
Workingstudent
Ergo Versicherung Co.,Ltd.
08.2014 - 06.2015
Internship
Huasheng Caol-Company CO., LTD
07.2013 - 08.2013
- Chinese statistics certification
- German / English C1
- Driving License: German (B1), Chinese (C1)
Master of Science - Accounting and Finance
University of Duisburg And Essen. Mercator School of Management
Bachelor of Arts - Business administration
University of Applied Sciences For Economics & Management
Bachelor of Arts - Finance
Shanxi University of Finance & Economics
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