About
Senior Banking Executive | Ex-PrivatBank | Treasury, Liquidity, Risk & Interbank Operations
FinTech and AI Systems Architect with 19+ years of executive experience in banking and liquidity management at PrivatBank, Ukraine's largest systemically important bank. Led a team of 64 professionals managing daily turnover of up to UAH 2 billion ($50M equivalent), directing nationwide vault & CIT logistics across 32 cash centers, and orchestrating interbank transactions with the National Bank of Ukraine.
Proven expertise in liquidity planning, risk management & compliance, ATM cash forecasting, and process automation. Developed automated deal-confirmation systems that reduced cycle time by 90%, demonstrating hands-on capability in building Python-based analytical platforms, reporting dashboards, and Telegram bots for financial analytics and decision support.
Bridges academic research and applied innovation as a published author in SSRN (Emerging Markets Finance, Risk Management, Monetary Policy eJournals), with publications on cash infrastructure, liquidity management, and intelligent financial systems. Certified professional: CFA/AFP, DACFP (CBDA). Combines executive leadership experience with hands-on AI engineering and automation expertise, specializing in risk modeling and intelligent financial infrastructure.
Professional Certifications
CFA
Chartered Financial Analyst
Chartered Financial Analyst Institute
Since 2025
ActiveAFP
Association for Financial Professionals
Treasury & Cash Management
Since 2025
ActiveDACFP CBDA
Digital Assets Certified Financial Professional
Blockchain and Digital Assets
May - Jun 2025
ActiveCTP
Certified Treasury Professional
Treasury
Expected Jan 2026
In ProgressBroker-Dealer Specialist
Securities Market Specialist
International Financial Center
Mar - May 2025
ActiveTechnology Stack
Languages
Frameworks & Libraries
Financial Technologies
Tools & Platforms
SSRN Publications
Centralized Cash Reserve Management System for the U.S. Banking
2025 | Abstract ID: 5566919
View on SSRN →Resilience of Ukraine's Banking Liquidity Infrastructure: The Impact of Migration Shocks (2013-2023)
2025 | Date posted: November 18, 2025 | Views: 43, Downloads: 10 | Abstract ID: 5627250
Published in: Financial Crises, Econometric Modeling: International Financial Markets - Volatility & Financial Crises, Econometric Modeling: Macroeconomics, European Economics: Macroeconomics & Monetary Economics, Monetary Economics: Financial System & Institutions, Political Institutions: Elections, Sociology of Migration & Immigration eJournals
View on SSRN →Operational Risk and Liquidity Management in National-Scale Cash Infrastructure: A Practitioner's Perspective
2025 | Views: 68, Downloads: 12 | Abstract ID: 5358026
View on SSRN →Evolution of Economic Thought in Ukraine: From Regional Development to Crisis Cash Management in Wartime (2004-2025)
2025 | Views: 152, Downloads: 23 | Abstract ID: 5389179
Published in: Emerging Markets Finance, Financial Crises, Econometric Modeling: Macroeconomics, Institutions & Transition Economics, Political Economy - Development eJournals
View on SSRN →Transition from Traditional to Hybrid Cash Operations Management in Banking: A System Dynamics Approach and Empirical Evaluation
2025 | Views: 129, Downloads: 20 | Abstract ID: 5410543
Published in: Cognitive Social Science, IO: Productivity Innovation & Technology, Dynamical Systems, Change Management & Organizational Behavior, International Political Economy: Globalization eJournals
View on SSRN →Delegated Cash Storage Model: The Role of Authorized Banks in Ensuring Ukraine's Financial Stability: Case Study of PrivatBank JSC CB
2025 | Views: 107, Downloads: 22 | Abstract ID: 5361605
View on SSRN →International Management. Japanese Management Styles
2025 | Views: 98, Downloads: 15 | Abstract ID: 5417254
View on SSRN →The Role of Free Economic Zones in the Integration of Ukraine into the World Economic System
2025 | Views: 36, Downloads: 13 | Abstract ID: 5417316
View on SSRN →Formation of Investment Potential, Increase in the Accumulation Rate and Enhancement of the Investment Attractiveness of the National Economy
2025 | Views: 60, Downloads: 16 | Abstract ID: 5417275
View on SSRN →Development of Innovative Activity as a Factor Influencing the Increase of National Competitiveness
2025 | Views: 97, Downloads: 25 | Abstract ID: 5417259
View on SSRN →Stages of Functioning of Free Economic Zones and the Corrupt Influence on Their Development
2025 | Views: 38, Downloads: 10 | Abstract ID: 5417294
View on SSRN →Published Articles in Journals
SSRN Publication Status: Contact SSRN Support →
Published in:
-
POLITICAL ECONOMY - DEVELOPMENT: FISCAL & MONETARY POLICY eJOURNAL
Vol. 13, No. 75 | September 8, 2025 -
EMERGING MARKETS: FINANCE eJOURNAL
Vol. 16, Issue 99 | August 28, 2025 -
FINANCIAL CRISES eJOURNAL
Vol. 13, Issue 75 | October 9, 2025 -
ECONOMETRIC MODELING: MACROECONOMICS eJOURNAL
Vol. 15, Issue 167 | September 12, 2025 -
INSTITUTIONS & TRANSITION ECONOMICS: MACROECONOMIC ISSUES eJOURNAL
Vol. 17, Issue 89 | September 4, 2025
Abstract ID: 5389179
Views: 152 | Downloads: 23
Published in:
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COGNITIVE SOCIAL SCIENCE eJOURNAL
Vol. 16, Issue 49 | October 21, 2025 -
IO: PRODUCTIVITY, INNOVATION & TECHNOLOGY eJOURNAL
Vol. 17, Issue 166 | September 30, 2025 -
DYNAMICAL SYSTEMS eJOURNAL
Scheduled: May 5, 2026 -
CHANGE MANAGEMENT & ORGANIZATIONAL BEHAVIOR eJOURNAL
Scheduled: October 15, 2026 -
INTERNATIONAL POLITICAL ECONOMY: GLOBALIZATION eJOURNAL
Vol. 13, Issue 102 | October 2, 2025
Date posted: September 12, 2025 | Abstract ID: 5410543
Views: 129 | Downloads: 20
Published in:
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FINANCIAL CRISES eJOURNAL
Scheduled: January 2, 2026 -
ECONOMETRIC MODELING: INTERNATIONAL FINANCIAL MARKETS - VOLATILITY & FINANCIAL CRISES eJOURNAL
Vol. 14, Issue 84 | November 21, 2025 -
ECONOMETRIC MODELING: MACROECONOMICS eJOURNAL
Vol. 15, Issue 216 | November 24, 2025 -
EUROPEAN ECONOMICS: MACROECONOMICS & MONETARY ECONOMICS eJOURNAL
Vol. 18, Issue 147 | November 18, 2025 -
MONETARY ECONOMICS: FINANCIAL SYSTEM & INSTITUTIONS eJOURNAL
Scheduled: November 28, 2025 -
POLITICAL INSTITUTIONS: ELECTIONS eJOURNAL
Vol. 17, Issue 67 | November 24, 2025 -
SOCIOLOGY OF MIGRATION & IMMIGRATION eJOURNAL
Scheduled: December 18, 2026
Date posted: November 18, 2025 | Abstract ID: 5627250
Views: 43 | Downloads: 10
Note: These articles have been published in SSRN electronic journals. Public links are available for verification by legal representatives.
GitHub Projects
💧 Liquidity Positioner
Cross-platform personal finance office. Unified budgeting, cash-flow forecasts and AI guidance for private investors and families. Portfolio & liability tracking, budgeting with recurring reminders, cash-flow forecasts & what-if scenarios, premium AI insights, open banking sync.
View on GitHub →⚖️ Risk Analyzer
Institutional portfolio risk management platform. Advanced VaR, stress testing, and tail risk analysis. VaR/CVaR (Historical, Parametric, MC), stress testing & PCA analysis, 10k-100k Monte Carlo simulations, backtesting & validation.
View on GitHub →📰 News Analytics Portal
Bloomberg-style news analysis platform. AI-powered processing, sentiment tracking, sector impact, and professional digests. 20+ sectors coverage, AI sentiment analysis (GPT-4, DeepSeek), multi-language support (EN/RU), Telegram integration.
View on GitHub →📊 Investment Dashboard
Comprehensive stock analysis with technical and fundamental indicators. Generate detailed reports with charts and forecasts. 53 US stocks analysis, SEC EDGAR integration, HTML reports generation, EN/RU language support.
View on GitHub →₿ Crypto Analytics Portal
Comprehensive digital asset intelligence platform with real-time market data, institutional-grade metrics, and advanced analysis tools. Real-time market data & price tracking, on-chain metrics & network analytics, security & regulatory compliance scores, institutional research reports.
View on GitHub →🎓 SAA LEARNING INTELLIGENCE
Comprehensive learning platform with courses, methodologies, and training materials. Advanced research tools and educational resources for professional development. Interactive courses & tutorials, research methodologies, professional training programs, premium learning intelligence.
View on GitHub →telegram-autoposter
Automated Telegram posting system with scheduling and content management features
View on GitHub →SAA-RESEARCH
Research platform and analytical tools for financial analysis and market intelligence
View on GitHub →🤖 ARIN Platform
Autonomous Risk Intelligence Network - Institutional-Grade Multi-Agent System for Predictive Risk Management. 6 specialized agents (Credit, Market, Operational, Liquidity, Regulatory, Systemic), Graph-Based Analysis, LLM Integration (DeepSeek R1, GPT-4), ML Models (XGBoost, GNN). Production Ready with full documentation.
View on GitHub →🤖 AI Trader
Institutional-Grade Intraday Crypto Trading Platform. Professional-grade algorithmic trading platform with real-time market data processing, AI-powered market analysis, and sophisticated risk management. Systematic trading capabilities for cryptocurrency perpetual futures.
View on GitHub →🌐 Global Risk Intelligence Platform
Institutional-Grade Risk Analytics & Regulatory Compliance. The world's most comprehensive, auditable, and regulator-grade risk intelligence platform, rivaling Bloomberg Risk / MSCI RiskManager / Ortec. Targeting G-SIBs, multinational banks, central banks, insurers, and asset managers.
View on GitHub →🧘 MindBalance
iOS mental health and mindfulness application built with SwiftUI and Firebase. Comprehensive mental health app featuring meditation and breathing practices, task and habit system, daily articles on psychology, progress tracking, and premium subscriptions with StoreKit 2.
View on GitHub →Daily Business Quotes
Daily generator of business quotes with messaging integration.
View on GitHub →Daily Financial Question
Daily finance question generator with attachment support and scheduled posting.
View on GitHub →Finance Pro Bot
Advanced finance analytics Telegram bot with scheduled digests and alerts.
View on GitHub →Telegram Autopost 4584
Telegram autopost bot: news/digest publishing with caching and retries.
View on GitHub →Resume
Professional Experience
Senior Banking Executive | Treasury, Liquidity, Risk & Interbank Operations
PrivatBank JSC CB (Ukraine's Largest Systemically Important Bank)
2005 - 2024 (19+ years)
- Led team of 64 professionals managing daily turnover of up to UAH 2 billion ($50M equivalent)
- Directed nationwide vault & CIT logistics across 32 cash centers, ensuring operational continuity and security
- Orchestrated interbank transactions with the National Bank of Ukraine, maintaining critical financial infrastructure
- Developed and implemented liquidity planning strategies, risk management frameworks, and compliance protocols
- Designed automated deal-confirmation systems reducing cycle time by 90% through process automation
- Managed ATM cash forecasting and optimization across national network
- Built Python-based analytical platforms, reporting dashboards, and Telegram bots for financial analytics
- Published research on cash infrastructure, liquidity management, and operational risk (SSRN)
Education
Bachelor of Finance and Credit, Economics and Business
State Higher Educational Institute "Ukrainian Academy of Banking of the National Bank of Ukraine"
2013 - 2016 | Grade: B (83)
Master's Degree, Manager of Foreign Economic
Private Higher Educational Institute "Berdyansk Institute of Entrepreneurship"
2001 - 2006 | Grade: With Honors
Bachelor's Degree in International Economics (with distinction)
Berdyansk Institute of Entrepreneurship
2001 - 2005 | Grade: With Honors
Professional Certifications
- CFA (Chartered Financial Analyst) - Chartered Financial Analyst Institute (since 2025)
- AFP (Association for Financial Professionals) - Treasury & Cash Management (since 2025)
- DACFP CBDA (Digital Assets Certified Financial Professional) - Certified in Blockchain and Digital Assets (May - Jun 2025)
- CTP (Certified Treasury Professional) - Treasury (in progress, expected Jan 2026)
- Broker-Dealer Specialist - Securities Market Specialist, International Financial Center (Mar - May 2025)
Honors & Awards
Certificate of Appreciation for Diligent Work and Significant Contribution to the Bank's Development
Mariupol branch of PrivatBank
April 2009
Certificate for Best Presentation at the Student Scientific Conference
8th International Summer School of Economics, Berdyansk Institute of Entrepreneurship
June 2004
Best Youth Representative of 2004
Outstanding Contribution to the Youth and Scientific Life of the City of Berdiansk
May 2004
First-Level Diploma for Effective Research Work
Active Participation in the 3rd Regional Scientific-Practical Conference, Berdyansk Institute of Entrepreneurship
October 2003
First-Degree Diploma for Active Participation
2nd Scientific-Practical Conference 'Problems and Prospects of Foreign Economic Activity in the Region', Berdyansk Institute of Entrepreneurship
March 2003
Award for First Place
Section 'Problems of Socio-Economic Development of Ukrainian Regions in the Context of Global Economic Integration', Berdyansk Institute of Entrepreneurship
February 2003
Certificate of Completion of the 8th Summer Economic School
International Economics and Foreign Economic Activity, British Council and Donetsk Economic University
Berdyansk Institute of Entrepreneurship
Core Competencies
Career Timeline
CFA, AFP, DACFP CBDA Certifications
Earned multiple professional certifications in finance and digital assets
Transition to Fintech Development
Started building institutional-grade fintech solutions and AI trading platforms
Senior Banking Executive at PrivatBank
Led team of 64 professionals, managed $50M daily operations, built automation systems
Bachelor's in Finance and Credit
Ukrainian Academy of Banking of the National Bank of Ukraine
Started at PrivatBank
Began career in treasury and liquidity management
Master's Degree
Manager of Foreign Economic, Berdyansk Institute of Entrepreneurship (With Honors)
Awards & Honors
Certificate of Appreciation
Mariupol branch of PrivatBank
April 2009
For Diligent Work and Significant Contribution to the Bank's Development
Best Presentation Award
8th International Summer School of Economics
June 2004
Student Scientific Conference, Berdyansk Institute of Entrepreneurship
Best Youth Representative of 2004
City of Berdiansk
May 2004
Outstanding Contribution to the Youth and Scientific Life
First-Level Diploma
3rd Regional Scientific-Practical Conference
October 2003
For Effective Research Work
First Place Award
Scientific-Practical Conference
February 2003
Problems of Socio-Economic Development of Ukrainian Regions
First-Degree Diploma
2nd Scientific-Practical Conference
March 2003
Active Participation in 'Problems and Prospects of Foreign Economic Activity in the Region'
Certificate of Completion
8th Summer Economic School
2003
International Economics and Foreign Economic Activity, British Council and Donetsk Economic University
Certificate of Appreciation
National Bank of Ukraine
May 2019
For successful performance of functions regarding the storage of cash reserves of the National Bank of Ukraine. Order dated 14 May 2019 No. 1515-k
Contact
GitHub
github.com/MRsaa1Google Scholar
scholar.google.com/citations?user=2ECmg-sAAAAJWebsite
saa-alliance.comSend a Message
Disclosure & Ethics
Disclosure of Interest: The author declares no conflicts of interest related to the research, authorship, or publication of this work.
Funding: The author received no financial support for the research, authorship, or publication of the listed articles.
Ethics Approval: All studies use publicly available aggregated data and do not involve human participants. Ethics approval was not required.