Júlio Félix
Tercena
Summary
Experienced financial services professional with over 12 years of expertise in audit, risk management, and financial analysis. Currently a Senior Manager at EY, leading audits for major financial institutions and participating in critical regulatory projects. Proven track record in managing complex audit procedures, developing and mentoring teams, and ensuring compliance with international financial standards. Certified Economist and Statutory Auditor with advanced training in digital transformation, sustainable finance, and leadership. Fluent in Portuguese and English.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Manager Financial Services
EY
06.2021 - Current
- Currently, I am responsible for the audit of the Banco CTT Group, which is composed of two companies in the financial sector, as well as Banco BAI Europa (headquarter based in Angola)
- In July of 2024 I’ve progressed to senior manager 4
- Actively participated in the BCBS 239 project, a critical initiative led by the Bank of Portugal in 2023 for the major 7 banks in Portugal
- The project was focused on evaluate the full implementation of the Basel Committee on Banking Supervision's (BCBS) principles for effective risk data aggregation and risk reporting, which are essential for enhancing the stability and resilience of financial institutions
Manager Financial Services
EY
03.2018 - 06.2021
- Focused on audit procedures related with both Individual and collective impairment model under IFRS 9 principles, for Novo Banco S.A
- And Banco CTT
- Trainer for the New Senior Program, delivering training sessions in English in Amsterdam, Netherlands
- This role involved mentoring and developing the next generation of senior auditors, sharing expertise on advanced audit techniques and industry best practices
Internal Audit – Senior
Millenium BCP
12.2016 - 03.2018
- Led the audit of Internal Ratings-Based (IRB) models, focusing on Probability of Default (PD) models for corporate, retail, and small business segments, as well as Loss Given Default (LGD) models for Retail and Corporate sectors
- This role involved ensuring the accuracy and compliance of risk models critical to the institution's credit risk management framework
Senior Associate Financial Services
PwC
09.2011 - 12.2016
- Actively participated in significant credit impairment and asset quality review projects in Portugal, commissioned by the Bank of Portugal (SIP 2011 and OIP 2013) and the European Central Bank (AQR 2014)
- I was involved in the special audit of the Opening Balance Sheet of Novo Banco in 2014, following the resolution of the former Banco Espírito Santo
Education
Post-Graduation - Digital Transformation
Técnico
Lisboa07-2024
Executive Program - Sustainable Finance Executive Training Program
INSEAD
Lisboa11-2022
Executive Program - Organizational Leadership
Católica Business School
12.2021
Post Graduation - Knowledge Management And Business Intelligence
Nova IMS – Information Management School
12.2021
Post Graduation - Advanced accounting and taxation
INDEG-IUL | ISCTE Executive Education
12.2016
Bachelor of Science - Business Management
ULHT – Universidade Lusófona De Humanidades E Tecnologias, Faculdade De Economia E Gestão
12.2011
Preparation Course For "Revisor Oficial De Contas" (Certified Auditor in Portugal) - Audit
Ordem Dos Revisores Oficiais De Contas
LisboaSkills
- Overall IFRS Standards Knowledge
- IFRS 9 (Financial Instruments and impairment models)
- BCBS 239 Compliance
- Assurance Services
- Professional Auditor Certification
- Critical Thinking Skills
- Analytical Data Assessment
- Proficient in SQL, PowerBI and Excel
Certification
- Certified Economist, 07/01/24, n.º 16633
- Revisor Oficial de Contas, 03/01/22, n.º 20220010
- Revisor Oficial de Contas (Statutory Auditor), 01/01/22, n.º 2033
Languages
- Portuguese, Native
- English, C1
- Spanish, B2
Publications
Article published in the official journal of Ordem dos Revisores Oficiais de Contas, named “IFRS 9 - Mensuração de perdas esperadas: Análise Individual de Crédito"
Accomplishments
Achieved first place in the V edition of the “24 Horas de Gestão” competition, organized by Sfori – Strategy for Improvement, with PwC as the Premium Sponsor. Competed as part of a team sponsored by Universidade Lusófona de Humanidades e Tecnologias. This experience involved intensive problem-solving and strategic management exercises, demonstrating strong teamwork, leadership, and analytical skills in a high-pressure environment.
Timeline
Senior Manager Financial Services
EY
06.2021 - Current
Manager Financial Services
EY
03.2018 - 06.2021
Internal Audit – Senior
Millenium BCP
12.2016 - 03.2018
Senior Associate Financial Services
PwC
09.2011 - 12.2016
Post-Graduation - Digital Transformation
Técnico
Executive Program - Sustainable Finance Executive Training Program
INSEAD
Executive Program - Organizational Leadership
Católica Business School
Post Graduation - Knowledge Management And Business Intelligence
Nova IMS – Information Management School
Post Graduation - Advanced accounting and taxation
INDEG-IUL | ISCTE Executive Education
Bachelor of Science - Business Management
ULHT – Universidade Lusófona De Humanidades E Tecnologias, Faculdade De Economia E Gestão
Preparation Course For "Revisor Oficial De Contas" (Certified Auditor in Portugal) - Audit
Ordem Dos Revisores Oficiais De Contas
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