Miroslav Misoski
Copenhagen,Denmark
Summary
Dynamic Senior Manager with proven success at Inpay A/S, driving a 50% revenue increase through innovative sales strategies and exceptional client relationship management. Expert in cross-border payments and payment solutions, with a strong focus on operational efficiency and proactive problem-solving. Committed to delivering high-quality service and enhancing customer satisfaction.
Overview
21
21
years of professional experience
Work History
Senior Manager - FI Sales and Account Relations
Inpay A/S
01.2021 - Current
- Manage key relationships with more than 30+ international financial institutions handling payment volumes of more than 100 mil EUR annually
- Develop new business channels, adding to the company's international footprint and driving growth in new markets
- Spearheaded a comprehensive sales strategy, driving 50% revenue increase within two years by expanding service offerings and improving client's engagement
- Ensuring smooth implementation of payment solutions by collaborating with internal departments and third-party providers
- Handling complex SWIFT investigations reducing issue resolution time by 30% through refined processes and coordination with IT Teams
- Ensuring continuation and enhancements of services and products
- Ensuring compliance / enforcement with policies and procedures
- Monitoring efficiency and profitability of the products and services and initiating improvement measures
- Analyzing data to identify areas for improvement and ROI optimization
- Achieved significant rate in client retention rate by implementing new customer service strategy, Strong attention to the details
- Achieving sales goals and service targets by cultivating and securing new customer relationships
- Conducting regular account reviews for continuous improvement, identifying opportunities for upselling and cross-selling products
Senior Network Specialist
01.2018 - 01.2021
- Led cross border payments operations, working closely with banks and payment solution providers in 15+ countries and 10+ corridors, serving high risk customers and complex corridors
- Negotiated acceptable financial and service terms with global partners, implementing stringent AML/KYC procedures to minimize risk and ensure regulatory compliance
- Acted as an escalation point for day-to-day operational issues
- Opened new cash accounts/solutions in key markets supporting the company's international new corridor expansion
- Understood financial, payments and FX regulation in a changing regulatory environment and maintained a strong interest in AML/KYC and risk controls, ensuring that all operations met evolving compliance standards
- Collaborated closely with Compliance Teams to manage ongoing KYC reviews and implemented risk-based approaches for monitoring and reporting of suspicious activities
- Managed the 'routing' of payments - to protect accounts, for different industry types and speed of solutions
- Liaised with the IT team to ensure efficient integration of the new payment solution
- Worked closely with other departments in order to track issues with providers and address them
- Coordinated the FI Network and Support team members
Head of International payments, liquidity management and trade finance department
TTK Bank JSC
01.2005 - 01.2018
- Controlled and monitored banks cash flows via outgoing and incoming SWIFT MT messages
- Processed and recorded FX and Money Markets transactions via SWIFT messages
- Controlled international payments related to trade finance activities
- Ensured high rate of more than 97% resolved payments investigations
- Maintained relationships with correspondent banks by active engagement and usage of international banking products
- Monitored and controlled payments via web Tools ensuring complete customer care and STP payments processing
- Active collaboration with other banks departments ensuring high quality service
- Advised in development of banks software regarding international payments depending on clients' needs and requirements
- Developed short and long-term business plans ensuring that banks strategy is well distributed and met by revenue targets
- Ensured high rate of customer satisfaction by using banks products and services with constant improvement
Junior Auditor
Ernst & Young
Skopje
01.2004 - 01.2005
- Performed financial audits on various top companies in Macedonia
- Due diligence activities and extended reviews on company's procedures and processes
Education
MBA - Business Administration and Financial Management
Ss. Cyril and Methodius University
Skopje, North Macedonia11.2001
Skills
- Client relationship management
- Business relations
- Sales strategy
- Communication skills
- Customer focus
- Pro active problem solving
- Payment investigations
- Initiative
- Teamwork
- Cross-Border payments expertise
- Customer banking services
- Customer needs focus oriented
- High performance
- Enthusiasm
- Adaptability
- Accurate information delivery
- Deadline management
- Domestic clearing systems
- SWIFT Standards
- Problem-solving abilities
- Motivation
- Accuracy
- Payment solutions
- Data analysis
- Risk management
- Operational efficiency
- Payment processing
Personal Information
- Place of Birth: Skopje, Macedonia
- Date of Birth: 10/23/78
Languages
Macedonian
First Language
English
Advanced (C1)
C1
Danish
Intermediate (B1)
B1
Timeline
Senior Manager - FI Sales and Account Relations
Inpay A/S
01.2021 - Current
Senior Network Specialist
01.2018 - 01.2021
Head of International payments, liquidity management and trade finance department
TTK Bank JSC
01.2005 - 01.2018
Junior Auditor
Ernst & Young
01.2004 - 01.2005
MBA - Business Administration and Financial Management
Ss. Cyril and Methodius University
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