Dirk Radosta

• Built the client onboarding and KYC platform from scratch and took it to production across 40+ locations, by defining the product, designing the end-to-end user workflows and directing development — cutting client onboarding cycle time by 75% and raising release throughput from under 50 to 180+ per year. • Closed a EUR 100m+ KYC/AML regulatory programme with zero post-go-live findings and a 30% efficiency gain, lifting FINMA special supervisory status, by owning delivery across multiple booking centres with full evidencing, traceability and auditability. • Established the governance framework, reporting structures and delivery process for the entire change portfolio, by defining the steering cadence, KPI and KRI reporting, escalation paths and prioritisation criteria that decided what got funded and what got stopped. • Prioritised AI and automation use cases — client screening, portal automation, intelligent escalation — against real relationship manager and operations workflows, challenging delivery teams on feasibility, measuring each on adoption and return, and retiring those that did not deliver. • Built and led a 45+ product owner network across 3 continents with 15+ internal promotions over 7 years, by hiring 25 specialists from 80+ interviews and setting the discovery, backlog and prioritisation standards they worked to. • Drove adoption across 40+ locations as internal subject matter expert and evangelist, by designing the change approach, running training for relationship managers and operations teams, and owning the user feedback channel into the backlog.

• Cut credit decision times by 40% and approval loops by 50% across 15+ booking centres on a EUR 5–7m budget, by completing the global lending platform started two years earlier on the credit desk and re-architecting the portfolio risk platform — built in an earlier role and by then outgrown by its own instrument volume — then integrating the two into a single Lending & Risk Oversight capability. • Secured multi-year transformation investment from C-suite and ExCo across the US, APAC and EMEA, by building quantified business cases and then carrying delivery accountability against them. • Established the client data foundation for the global Wealth Management lending and deposits business, by directing a 50+ FTE cross-functional team on a data quality framework spanning golden sources, books and records, and client reporting.

- Structured complex credit transactions: derivatives, single stock loans, aircraft/art finance, cross-border mortgages for UHNW clients and institutional private banking clients (Global South-East Asia lending book). - Originated €100M+ in new credit volume per year, driving 10–15% annual growth for the Global South-East Asia lending book. - Produced over 50 bespoke legal credit agreements in coordination with external counsel. - Advised global teams on optimizing lending structures to reduce risk and enhance returns. - Took additional sponsibility as Lead Product Owner for the bank's largest Lending and Credit transformation project in Asset and Wealth Management.

- Managed margin requirements and lending value calculations for marketable and non-marketable securities. - Designed and implemented global risk systems (lending value calculation, stress testing). - Scaled platform from 4 to 15 global booking centers; increased instrument coverage from 250k to 750k using Offshore development teams, and cut manual assessment to sub 1%. - Cut stress testing processing time from 5 hours to 1 hour. - Review and approved daily of lending values for 750K+ instruments to support global collateral management. - Staff responsibility for one employee, and graduates rotating through the team. - Successful participation in DB’s Leadership Development Program, and additional responsibility as graduate mentor.

- Analyzed derivatives exposure (PFE, VAR) for mid-cap clients across broad product range (e.g. interest rate, cross currency swaps, and structured swaps, and commodities derivatives etc). - Developed and improved risk tools for all trade types. - Supported real-time risk decisions and advised front office and credit teams. - Built risk metrics dashboards for derivatives, contributing to improved capital allocation.

- Participated in International Banking / Risk Management Graduate Program - Completed rotations in Emerging Market Credits (London, UK), Credit Risk Management and Front Office (Hamburg, Germany), Credit / Market Risk Management (Frankfurt am Main, Germany), Collateral Risk Management (Geneva, Switzerland). - Acquired expertise in P&L, cash flow analysis, and credit assessment frameworks. - Additional training received on executive communication and presentation skills.