Carmen is a banking professional with 25+ years of experience in banking and financial services. She is an ACCA member since 2013 and she has a Diploma issued in 2001 in Banking and Finance by University of La Crosse in a joint program with Georgetown University.

Carmen has 6 years of experience, on banking operations, working in several local banks, spanning from payments instruments to various settlement techniques. She built and managed for 4 years the middle-office function in Raiffeisen Bank while expanding her experience in the field of market risk, credit risk and operational risk.

Carmen had the opportunity to work in a project under Raiffeisen Bank International umbrella, where in a cross-functional and international team, she set the foundation for the product management expertise and for 14 years she improved this area of proficiency. Carmen is currently managing in Raiffeisen Bank Romania the capital market products portfolio.
She is a member of ACI Romania.