Elisa Corsi

Biography

VolksBank - Banca popolare dell´Alto Adige SpA

Organisation/Process and Rules (September 2021 – today)

The Bank is in reorganisation and my role involves leading the general review of internal regulations starting with the definition of a new

methodology and the design of related processes with identification of risks and controls and the reallocation of activities. PMO on projects

involving changes at both IT and internal level, involving the various bank stakeholders and maintaining relations with external providers.

UniCredit SpA

From 2008 member at group level of the team that manage the inspections of Bank of Italy and ECB onsite Inspections

PMO Role (from 2018)

Group PMO of New EBA Guidelines on Loan Origination and Monitoring (Lead9 Country – 25 Legal Entities) (July 2019 –

September 2021 )

The aim of the project is to make LEs consistent with EBA requirements through a Gap analysis activity at group and individual LEs level

with the relative consolidation. Identification of initiatives to close the Gaps with the generation of a MY roadmap. The tracking of

initiatives and their updates. Identification of potential issues and their resolution. Managing communications and alignments with

top management and ECB

Group PMO “Climate Change Risk” and Environmental Social and Governance Project – (August 2020 – September 2021)

Based on the interconnection with the EBA Guidelines on LO&M, it was necessary to involved me also in this project to support it of

supervision, expertise on the issues dealt with, flanking me, not replacing the current structure

- Head and PMO of Corep/Finrep on collateral Project (June 2018 – March 2020)

The aim of the project was to track, control and maintain the flow of guarantees from their generation to reporting for balance sheet

and RWA purposes. In order to achieve this objective, the rules of acquisition and eligibility were identified from a civil, balance sheet

and regulatory point of view, generating a set of internal controls on each IT application (CL&C, SISBA, LIBRA, ARAMIS, Corep/Finrep

Reports) to guarantee the correctness of information reception and communication, generating diagnostics and involving the various

bank structures in order to analyse the control reports, identify the various issues and implement solutions.

Group Finance (2016 – 2018)

- Cooperate with CEE Les for the adoption of the Group Pricing guidelines in a Risk Adjusted discipline based on Credit Risk, Cost of

Capital, and FTP Curve with onsite activity. Support the Local CFO and CRO with CEE Business cooperation for the local improvement

with IT Web platform.

- Determinate the MHS (Minimun Hard Spead) of single Loan higher than 50 mln € on national and international operations of CIB

perimeter. The activities concern the analysis of the Credit Risk/Regulatory treatment, FTP to associate to the loan and the study of the

contract focal points and collaterals associated;

- Member of the group that are manage the IFRS9 impact on the Bank with the scope to define the Group Guidelines to provide to All

the Banks/Legal Entities at Group Level

Risk Management (2014 – 2016)

- Responsible for Region Italy (UniCredit SpA - UCFactoring Spa - UCLeasing Spa – Fineco Bank Spa) of the second part of Asset Quality

Review with focus on T4B - Single Name Reporting - on Credit File Review with particular attention on the analysis of the outcomes

and their economic impacts. Managing relationships with ECB to address the AQR issues

- Head of Forborne project for Italian Perimeter focusing on Bank of Italy in ITS circular 272 EBA for "non-performing exposure and

Forbearance" with focus on IT development, Credit classifications with LLP impacts and manage the Regulatory Credit Dynamics

(Finrep T19 Table) and CeRi flows. Support the Business in case of Credit renegotiation analysis for Large Files. Responsible for ECB

Audits and Internal Audits about forborne and portfolio analysis in relation to various risk classes

- Cooperate with AnaCredit working group that deals with the study of changes/impacts from future entry into force

- Credit policy officer of UniCredit Spa through the major financial, economic and risk drivers (default streams, LLP, Shortfall, RWA,

Expected Loss%)

- Head of Italian Perimeter for the allocation and monitoring of RAF/CRS target and triggers the RAF and assigning to Executive Managers

with cascading to the network of the Target to reach

- Analysis and monitoring of RWA and Shortfall side events due to Budget/Shortfall considering the calibrations/regulatory and internal

implementations

- Responsible for the analysis of Benchmarking of UniCredit compared to leading peers

UniCredit Credit Management Bank SpA (UCCMB SpA)

Risk Management (2011 - 2014)

- Member of several working group about new AIRB model for default asset and IAS 39, “UniCredit Italy Special Credit’s Tableau de

Board”, creation of a new supervisory reporting system “Aramis”

- Certify, Identified and resolved problems for the Basel II results (AIRB approac)

- Responsible for ERM Report (Enterprise Risk Management) and for Top Exposure and monitoring at group level

- Management the NPL’S LLP for UCCMB SpA and UniCredit Spa in coherence with the Credit Committee decisions

Financial Statement Officer (2008 – 2011)

- Responsible for the management of IAS 39 for all the Italian perimeter

- Create a Group financial LE (Aspra Finance) for NPL’s management focusing on credit transfer from UCB Italian perimeter to Aspra with

analysing also the legal aspects

- Managed LLP and credit decision

- Identification and resolution of issues on supervisory reporting related to AIRB and STANDARD models

- Monitoring Credit Default rate and analyse the trends to identify the main risk areas and intervention corrective measure

- Manage the Credit accounts and the balance sheet on monthly bases

- Legal Products Development Officer (2007-2008)

Responsible for the relations with various bankruptcy courts and the creation of new products suited to solving the various problems

bankruptcy. Main citys travelv as Roma, Milano, Treviso, Bologna, Reggio Emilia, Pordenone, Napoli

- Bankruptcy Credits Collection Department (2005-2007)

Responsible for the relations with various bankruptcy courts and the creation of new products suited to solving the various problems

bankruptcy Mortgagee Manager with a macro portfolio

UniRiscossioni SpA (ex CariVerona Banca SpA)

- Bailiff - giudicial officer - (1996-2005)

Bailiff I exercised before with distraints securities at the residences of the debtors, later with distraints real estate and in the last two years

I have dealt with complaints about real estate bankruptcy and appeals. Workplace Mantova, Torino, Trento, Verona

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