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Viorel Caraignat has a strong background in risk management, with experience at Garanti Bank Romania as a Risk Officer, at BCR as a Garnishment Officer, and at Millennium Bank A.E. as a Referent. Currently, Viorel holds the position of Senior Risk Manager at BCR, where Viorel is deeply involved in implementing the IFRS9 project and developing tools for calculating expected credit losses.