Freelancer profile translated to English.

Description

Specializing in Finance, Audit, and Risk & Compliance, I support financial management and risk functions in strengthening their internal control systems, managing risks, and securing financial information in a banking environment.

With 8 years of experience gained at Deloitte as an auditor (banking and asset management sector), followed by an assignment within the Financial Department of Natixis CIB (Financial Permanent Control – LOD2), I handle highly technical and high regulatory stakes issues.

My areas of intervention include:

→ Internal control and permanent control (LOD1 / LOD2)

→ Credit risk and IFRS 9 frameworks (ECL, provisioning, exposure monitoring)

→ Review and improvement of control frameworks

→ Analysis of accounting and financial processes

→ Risk governance and recommendation monitoring

I work in complex environments, interacting with Finance, Risk, Compliance, IT, and Operations teams, with a structured, analytical, and results-oriented approach.

To strengthen my position on regulatory issues, I am currently preparing for the AMF and LCB-FT certifications.

Available for assignments in a banking environment (France, Luxembourg, Switzerland).

If you wish to strengthen your control systems, secure your processes, or structure your risks, I would be delighted to discuss with you.

Available for assignments in France, Luxembourg, and Switzerland.

Industry field of expertise

Languages

English
Native or bilingual

Workplace preferences

Can work on-site

Paris (up to 50km), Lyon (up to 50km), Dijon (up to 50km), Bordeaux (up to 50km)

Natixis Corporate & Investment Banking
Consultant – Financial Control & Accounting Risks
BANKING AND INSURANCE
September 2025 - Today (9 months)
Paris, France
Within Natixis Corporate & Investment Banking, reporting to the Financial Department – Financial Permanent Control (FPC) department, I worked as a freelance consultant in second-level financial control (LOD2), in a complex and highly regulated banking environment.

My mission was part of strengthening the permanent control system of the BPCE Group, with the objective of securing financial information, evaluating the effectiveness of first-level controls (LOD1), and strengthening the management of accounting and tax risks.

I was involved in highly technical work, including:
→ Review and evaluation of internal control systems (LOD1 / LOD2)
→ Analysis of financial processes and identification of risk areas
→ Closing missions: analysis of receivables, provisions for risks and expenses, account reconciliation
→ Work on deferred taxes (review of calculations, consistency of assumptions, formalization of controls)
→ Thematic mission on IFRS 9 collective provisions (sectoral and geographical approach, analysis of methodologies, identification of areas for improvement)
→ Contribution to the reliability of financial data and the auditability of processes

In a logic of continuous improvement, I also contributed to:
→ The formalization and strengthening of existing controls (traceability, documentation, audit trail)
→ The proposal of operational recommendations for LOD1 teams
→ The automation of certain analyses (particularly on receivables), leading to increased efficiency and better control reliability
→ Improvement of the reporting and anomaly monitoring system

My work was presented in the form of summary notes for management and auditors, with a high level of rigor and quality.
Internal Audit Financial Audit Risk Analysis Financial Analysis Corporate Finance
Audit légal Deloitte & Associés
Senior Financial Auditor
BANKING AND INSURANCE
January 2017 - January 2025 (8 years)
La Défense, France
At Deloitte, as an auditor specializing in the Financial Services Industry (banking and asset management), I supported financial institutions for 8 years in their financial information reliability, risk management, and regulatory compliance challenges.

I worked on financial audit assignments under IFRS and French GAAP, covering all accounting cycles, with strong exposure to complex and highly regulated environments.
My experience has allowed me to develop in-depth expertise on the following topics:
→ Audit of financial instruments and banking portfolios
→ Credit risk and IFRS 9 frameworks (classification, impairment, ECL)
→ Liquidity risk and analysis of financial balances
→ Securitization and complex financing structures
→ Review of internal control systems and control effectiveness testing
→ Analysis of banking accounting processes and financial data reliability
→ Compliance issues and adherence to regulatory requirements
As a senior, I also managed missions operationally:
→ Team management and supervision
→ Audit work planning and organization
→ Coordination with various stakeholders (finance, risk, compliance, IT)
→ Production of summary notes and reporting to management and auditors
→ Contribution to the certification of accounts
This experience has given me a cross-functional view of the financial, risk, and regulatory challenges of banking institutions and has allowed me to develop a rigorous, structured, and analytical approach.
Internal Audit Risk Analysis Risk Mapping Financial Audit Credit Risk

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Certificate Accounting 1 and Accounting 2
University of Lausanne
2025
Certificat Accounting 1 et Accounting 2
Certificate Understanding Financial Markets
University of Geneva
2025
Certificat Comprendre les marchés financiers

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Sandy E.

Financial Controller

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