Mr Costas Socratous has more than twenty years of experience in the banking and wider financial sector, working for several financial institutions, covering Retail and Corporate Operations, Payments, Loans & Deposits, Collections, CRM, Compliance, Credit and Market Risk, CRS/FATCA compliance, Client Facing Services (i.e., Internet banking and investment services). Until recently, he has been subcontracted by Multinational Companies and advised Cypriot, Greek, Maltese, Saudi Arabia, Bangladeshi Financial Institutions regarding Operations, Sales and Debt Collection Practices, and process re-engineering.