Hortense is a Senior finance executive with over 17 years of experience in the banking and audit sectors. She has extensive expertise in regulatory reporting, accounting (LuxGAAP & IFRS), liquidity and risk management, and team leadership.

She has a proven track record in coordinating audits, implementing regulatory frameworks (Basel III, IFRS 9/16, Anacredit), and delivering strategic financial insights to executive committees and regulators.

Member of the ACCA, Alma has 17 years of experience serving within finance industry in the field of bank supervision, audit and finance. She has 13 years of professional experience acting as bank supervisor of financial institutions in Bosnia and Herzegovina.

Prior to that, Alma built quite of an experience in auditing clients for a “Big Four” firm and had opportunity to work with commercial bank.

Alma is the Manager in Consulting at HACA Partners and is mainly involved in Regulatory & Compliance, Risk Management and Internal Audit engagements.