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Murat Atay, PhD has a vast experience in the banking industry. Murat currently serves as the Chief Risk Officer at GarantiBBVA. Prior to this role, Murat held the position of CEO at GarantiBBVA Mortgage and GarantiBank Romania. With a background in corporate banking and a strong educational foundation including a PhD in Banking, Murat Atay, PhD has made significant contributions to the organizations Murat has been a part of.