Financial Advisor for start-ups and companies

Preparation of financial planning, scenario and risk analyses: Financial planning is the basis for sustainable controlling and funding management. This means that deviations in revenues and costs can be detected at an early stage in order to be able to take countermeasures in good time. Scenario analyses are necessary in order to be prepared for unexpected liquidity requirements, especially in cooperation with investors.

Assessment and optimization of financial plans: Positions in planning are often forgotten. Tax planning, transfer pricing or important future functions in operational operations are often forgotten. These not only affect financial planning, but are also an important part of supplier contracts in order not to have to enter into unpleasant renegotiations.

Provider of a financial analysis and valuation solution for financial institutions

Conception and programming of software solutions for financial planning, risk assessment and financial analysis.

🔗 Example IFRS9 Impairment Calculation

🔗 example planning solution

Technical Advisor for StartUps

Support of StartUps and Digital Transformers in the development and construction of a suitable software architecture: When building a web application, it is not only about programming the website or the app, but also about taking into account legal requirements, data protection, protection against cybercrime, disaster recovery and back-up, business continuity, scaling, availability, cost management, DevOps and much more.

Programming of MVPs (Minimal Viable Products) and web portals: We quickly develop a functioning minimal solution that can subsequently be further developed.

Tech Stack: Azure, AWS, Nuxt, .Net, Vue, C#, JS, SQL and more.

Likes. Alexander Schaffer

Business Administration – Leopold Franzens University – Innsbruck (Austria)

Languages: German - English - French

Self-employed consultant and freelancer

Self-employed

30/06/2020 – News Klosterneuburg/Austria

Financial Advisor for start-ups and companies:

• Preparation of financial plans, scenario and risk analyses,
• Provider of a financial analysis and valuation solution for financial institutions: programming and conception of software solutions for financial planning, risk assessment and financial analysis,

Technical Adivisor for StartUps:

• Support of StartUps and Digital Transformers in the development of software architecture
• Programming of MVPs and web portals,

Head of Digitization and Innovation

Hypo NOE Landesbank AG

30/09/2019 – 30/06/2020 St.Pölten/Austria

Hypo Niederösterreich is a regional bank wholly owned by the state with a focus on the sustainable and regional development of the country, the mortgage business and project financing

Responsible for:

• Implementation of digitization projects in the core business
• Development of a digitization concept to strengthen the digital organization (improvement of digital processes), digital competence (strengthening in-house development) and partnerships (forming external networks)

CIO/COO

Hypo NOE Landesbank AG

31/08/2018 – 30/09/2019 St.Pölten/Austria

as division manager responsible for 5 departments:

• Organization and IT: Development and operation of the banking infrastructure in cooperation with a central data center including partial in-house software development,
• in-house consulting and projects: Project management of internal bank and sector projects
• Back office active: Processing of all loan-relevant processes,
• back office liability: processing of deposit business, payment transactions and card business,
• Treasury Services: back office for treasury and funding;

Head of Strategic Risk Management

Hypo NOE Landesbank AG

31/07/2015 – 31/08/2018 St.Pölten/Austria

responsible for 3 teams:

• Market and liquidity risk management: development, measurement and management of the Bank's valuation and liquidity risks,
• Valuation and hedge accounting: valuation of all assets and liabilities and ensuring the documentary mapping of all hedging transactions,
• ICAAP and credit risk: development and regular assessment of internal capital adequacy and credit risk;

Project responsibility:

• Rating systems: New development of internal rating systems,IFRS
• 9: Implementation of new accounting standards,Hedge
• accounting: stabilisation of valuation methods and processes;
• Impairment tool:

Use of the self-developed risk assessment tool (mahevi) for the initial calculation and ongoing analysis of impairment requirements;

Head of Liquidity and Market Risk Management

Erste Group Bank AG

31/03/2013 – 31/07/2015 Vienna/Austria

Erste Group Bank is an international retail bank in CEE

responsible for 2 teams:

• Market risk management: ensuring reporting, analysis and modelling of bank-specific market/valuation risks (FV, EC, ICAAP, DoE, MVoE),
• liquidity risk management: internal (SPA) and regulatory reporting (LCR/NSFR) and measurement of liquidity risk;

Project responsibility:

• Contribution to data modelling for market and liquidity risk management,
• implementation of regulatory requirements for LCR and NSFR

Consultant to the CFO/CRO

Hypo NOE Landesbank AG

31/10/2011 – 31/03/2013 St.Pölten/Austria

Advice on strategic issues and project support for:

• Fatca (US taxes),
• central counterparty,
• Reporting and Management Information System,
• Hedge Accounting, IFRS 9, Basel III,
• Development and implementation of measures to reduce costs;

Chief Financial Officer (CFO)

Zuno Bank AG (by Raiffeisen Bank International)

31/10/2009 – 30/06/2011 Vienna/Austria Bratislava/Slovakia

Zuno Bank is a completely restructured direct bank of Raiffeisen Bank International with a focus on Slovakia, the Czech Republic, Poland and Hungary,

responsible for the establishment of the following functions in a completely new direct bank in CEE:

• Treasury (Cash, FX, Liquidity Management)
• Asset Liability Management (Funds Transfer Pricing, Asset Allocation)
• Controlling (Reporting, Planning, Analysis)
• Accounting (Regulatory Reporting)
• Tax (Tax Transfer Pricing)
• Risk Management (IT Security, Operating and Counterparty Risk)
• Procurement (Organization)

5 direct reporting lines with 18 employees

3 indirect reporting lines (accounting and reporting in foreign branches)

Focus:

• Complete financial and funding planning of the start-up
• Regular scenario analyses taking into account all relevant risks and timely countermeasures for all committees and the owner (funding provider)

Board member / Asset Liablity Manager

S Wohnbaubank AG

31/08/2006 – 31/10/2009 Vienna/Austria

s Wohnbaubank is a subsidised specialist institution for the allocation of large-volume financing,in

addition to its function in s Bausparkasse AG as a member of the Management Board responsible for:

• Asset-Liability-Management
• Treasury,Bond
• Issue,Product
• Pricing;

Head of Controlling/Treasury

S Bausparkasse AG

31/08/1998 – 31/10/2009 Vienna/Austria

s Bausparkasse is a subsidised bank for the granting of home savings loans,

as Head of Controlling/Treasury responsible for the areas:

Asset Liability Management, Cost and Profitability Accounting, Controlling, Business Intelligence, Product Pricing, Reporting, Bond Issuance, Funds Transfer Pricing;

as Head of Collective Administration/Treasury responsible for:

Asset Liability Management, Liquidity and Earnings Planning, Product Pricing, Margin and Present Value Calculation, Profit Center Accounting, Analysis/Reporting;

as controller/treasurer responsible for:

Development of the treasury department, coordination/management of business intelligence (data warehouse, reporting), controlling, liquidity and earnings planning, analysis/reporting, investment calculation, marketing and sales support, sales planning;

Use of the self-developed liquidity and income planning system (mahevi) with special consideration of the support mechanisms of the home savings collective (passive promotion)

Programming of individual calculators for e.g. the restructuring calculator

Controller

Road Trans GmbH / CTC CombiTransCargo GmbH:

28/02/1991 – 31/08/1998Salzburg

forwarding company CTC CombiTransCargo GmbH with family participation: control and support of marketing activities, IT support;

family-run transport company Road Trans GmbH with a focus on organization, programming, IT support, planning, controlling and assistance where necessary;

Potential Areas of Engagement

• Product Development and Advisory (Web/Video Platform, Webshop, IT Architecture, Onboarding Processes, ALM solutions, Market and Liquidity Risk, Planning solutions, Pre- and Post Calculation, Funds Transfer Pricing, Impairment, Digital Origination and Lifecycle Processing)
• Building MVPs (Platforms, Portals or APIs) on Azure via .NET/C#/Vue using existing or new APIs
• Freelance engagement (Scope Definition Workshops, Pitch Preparation, Market Analysis, Product Development, Project Management, Business Planning)
• Project engagement (product implementation and development)
• Joint Venture and Co Launch of start ups

Core Interests

• Coding and Launching Cloud Platforms (Azure/AWS, C#, Vue, Nuxt)
• Startup Support (CFO, CRO, CTO, CIO areas)

Skills Competences

Management of areas/departments

• Controlling and Cost Accounting
• Finance (Accounting and Tax)
• Asset / Liability Management including Hedge Accounting
• Liquidity management and planning
• Market, Interest Rate, Liquidity and Operational Risk Management
• Payment Transactions
• Project Management
• IT and Organization
• Credit Management
• Procurement

Competence (technical skills)

• Controlling and Cost Accounting
• Product Calculation and Contribution Margin Accounting
• Asset / Liability Management
• Liquidity Management and Planning
• Market, Interest Rate, Liquidity and Operational Risk Management
• Collective Management (building societies)
• Business Intelligence and Data Management
• IFRS 9 Impairment and Modification
• Funds Transfer Pricing
• Project Management
• Coding eg. C#, .Net, Vue, SQL

Project experience

• Implementation of a Data Warehouse for regulatory reporting, analytics and sales management (Cognos)
• Coding and introduction of product pre- and post-calculation (VB - C# / .NET / SQL) including offer and approval processing
• Implementation of Asset Liability Management (QRM)
• Coding and implementation of liquidity and planning system (VB / .NET, SQL)
• Coding and implementation of collective management system (VB / .NET, SQL)
• Development of CRO / CFO area in Startup for Online Banking CEE
• Restructuring of hedge accounting (efficiency measurement, booking and reduction of valuation volatility)
• Implementation of procurement process (StartUp)
• Technical prototyping machine learning system (AWS)
• Programming and operation of web portals (C #, .NET Core, SQL, Azure, Vue, JS)
• Establishment and further development of ALM and collective management
• Other projects (Fatca, tax transfer pricing, due diligence, legal reviews, strategic digitization projects, etc.)

Historical Positions

• CFO / CRO online bank (board member)
• CIO / COO division management (B-1 / financial institution)
• CRO division management (B-1 / financial institution)
• Head of Treasury, ALM (B-1 / financial institution)
• Various management functions in finance, risk, treasury and back office

Coding languages, platforms, frameworks

• C#, JS, SQL, VB
• .NET, Vue, Nuxt
• Azure, AWS