Daniel Martino is an experienced credit, operational risk, and project manager with over five years of experience in the banking industry. He currently works as a risk and project manager at Société Générale Johannesburg Branch, where he has successfully implemented Basel II and III regulations. Martino has experience in credit risk analysis, capital management, and improving risk management processes. He is currently preparing the branch for an advanced operational risk approach and assisting with cross-currency swaps and structured deposits.

1. Daniel Martino
Unit 14 White horse mews,
Witogie Street, 2188 Bromhof, Randburg
Johannesburg
Mobile: +27 (0)71 856 4840
dja.martino@gmail.com
daniel.martino@sgss.socgen.co.za
Profile overview: Daniel Martino
The professional:
An experienced Credit, Operational Risk & Project Manager with more than five years banking
industry experience. My career began as a credit analyst at Le Credit Lyonnais in Bordeaux; I have
since progressed to be a highly skilled credit and operational risk manager with in-depth knowledge
in capital management and banking regulation within Societe Generale Johannesburg in South Africa.
Solutions-driven and theory put into practice:
Brings new ideas and fresh ways of thinking to the organisation to reach its goals; through managing
change I provide solutions at all levels. My skill set and individual traits have provided a platform to
exercise my ingenuity to tackle multiple projects and taking decisions on the basis of business growth
in a challenging regulatory environment. My natural in-depth analysis helps in providing tailored
solutions when tackling different projects.
Achievements:
 Successfully implementing Advanced Internal Rating Based approach (AIRB) within SG
Johannesburg. This entailed preparing an application file explaining models and processes
used within Head Office in efforts to meet local regulation, South African Reserve Bank (SARB)
requirements, completing and submitting the AIRB schedules, training local staff, performing
parallel run reporting and exchanging various information with SARB. This considerably
improved the Branch Capital Adequacy Ratio.
 Successfully conducting yearly Internal Capital Adequacy Assessment Process (ICAAP) within
SG Johannesburg from 2012 to 2015 in order to optimise capital management.
 Preparing and implementing Basel III regulation within SG Johannesburg: Capital Adequacy
Ratio, Leverage Ratio, Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR),
Operational deposit modelling and Credit Value Adjustment on market transactions.
 Contributing in convincing Head-Office and the local regulator to run a managed liquidity gap
to optimise profits through Asset Liquidity Management: Modelling deposits and negotiable
certificates of deposits (NCDs) within the Branch and with Head-Office assistance.
 Improving Risk Management culture and processes by developing, reviewing and updating all
risk and capital management policies and procedures within the SG South African Branch.
 Successfully defined the basis for stress testing within SG Johannesburg for both regulatory
and management purposes.
Current Engagement:
Currently preparing the Branch for Advanced Measurement Approach (AMA) adoption for operational
risk and assisting the investment banking division in Head-Office in setting structures to sell cross-
currency swaps and structured deposits through the South African Branch.
Curriculum Vitae: Daniel Martino

2. Contact: +27 (0)71 856 4840
Work: +27 (0)11 448 8420
Email: dja.martino@gmail.com
daniel.martino@sgss.socgen.co.za
Nationality French
Age 29 (14/02/1986)
PROFESSIONAL EXPERIENCE
Société Générale Johannesburg Branch: (03/2011– Current)
Risk and Project Management (Credit and Operational Risk)
Primary Deliverable: Basel II implementation
 Successfully prepared the Branch for Advance Internal Rating Based (AIRB) approach adoption
for measuring credit risk
 Preparing the Branch for Advanced Measurement Approach (AMA) adoption for measuring
operational risk (in progress)
 Improving the Operational Risk Management culture within the Branch through the
development and implementation of enterprise risk management procedures, policies,
reporting processes and monitoring;
 Ensuring knowledge transfer from Paris Head-Office to the South African Branch through
workshops to affected staff. Training modules include, but are not limited to, Group statistical
models & risk calculation, rating & credit granting processes and Basel II general knowledge.
 Overseeing Internal Audit recommendation completion
 Ensure review and improvement of Capital management and Branch Internal Capital
Adequacy Assessment Process to optimise capital consumption.
 Development and Implementation of Asset Liquidity Management with liquidity gap
modelling, operational deposits modelling, stress testing and meeting Basel III liquidity ratios.

3. Credit Analyst: LCL Aquitaine-Charentes-Limousin (2008-2009)
Primary Deliverable: Credit Risk Analyst (Corporate)
 Analysis of customer financial structure…projects and prospects
 Rating companies according to the LCL/Crédit Agricole Rating Model built using the Basel II
Foundation Internal Rating Based (FIRB) approach.
 Writing credit demands in close collaboration with the salesmen.
In parallel I have written my Master Business School Thesis on Basel II accords, the rating systems and
credit risk policy at the LCL and its latest adaptations due to the 2008-09 global crises.
LEVEL OF EDUCATION
2006 -2010
Master of Business Management – Finance Major.
Bordeaux Management School (BEM), ESC Bordeaux, France
Modules:
• Corporate Finance
• Value and Selection of investment projects
• Long term funding and short term finance.
2009-2010
(2 semesters) Master level for last year BEM’s program.
Academic exchange at UNISG, University of St. Gallen in Switzerland
Modules:
 International Finance
 Financial Institutions
 Asia Pacific Security
 International Business Regulation (strategy)
 International Cooperation
 International Financial Architecture
September 2008- August 2009: Caesura year at LCL (see above).
2004-2006
2 years preparatory course for entrance exams to Graduate Business Schools (Lycée SALIEGE,

4. Toulouse, France). “Classical way” to enter Business School in France.
2004
Baccalauréat High School A level equivalent in Sciences with distinction (Lycée CAOUSOU, Toulouse,
France)
LANGUAGE AND COMPUTER SKILLS
French: Fluent
English: Fluent
Spanish: Intermediate level.
Chinese (mandarin): Basic level, 3 years in High School as optional lecture.
Computer skills:
Word, Excel, PowerPoint, Lotus Notes, Paint, Microsoft Outlook, Microsoft Project
Banking software:
Anadefi, Sirius, Batica, various Société Générale banking software, DIX (reporting software for South
African Banking reporting).
HOBBIES AND ASSOCIATIVE LIFE
Hobbies: Tennis, Rugby and travelling.