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Carol Calin
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Carol Calin
BRCI grows without a large branch network — online business accounts, BRCI iBanking and Mobile, instant payments, deposits and government securities. I'd start where it matters most at your scale: people. Hands-on sessions so the “Ask a specialist” team uses AI with confidence, then agents for onboarding and compliance & fraud triage.
BRCI's edge is the relationship: “Ask a specialist”, advisory for SMEs, trust built client by client. The right AI strengthens exactly that relationship — it gives advisors faster, safer answers without taking the human out of the loop. The starting point isn't a model; it's a team that knows how to use one.
With branches in Bucharest and Galați, your growth comes from digital channels: online business accounts, iBanking, Mobile, instant payments. This is exactly where enablement separates a tool you bought from a team that uses it every day.
At the scale of a niche bank, transformation isn't a big, risky project. It's a small, measurable pilot on a single workflow — value proven before any rollout.
You already send clients alerts about fraud and social engineering. Attackers now use camera injection, face swapping and genuine IDs with a synthetic face — exactly what a digital onboarding must catch, and what I studied at the NFI.
I lead with enablement — a tool the team doesn't use is money wasted. Then we build gradually, only what has proven itself on a real workflow.
Hands-on sessions with your advisors: how to ask an agent for a draft answer grounded in internal procedures, how to check the source and citation before giving it to an SME client, and what should never be sent into a public tool. I don't teach engineers; I teach people — and together we build reusable “skills” for your real tasks.
Agents that prepare draft replies and triage requests across iBanking, Mobile and online SME onboarding — the human approves, the agent types. With only two branches, this absorbs volume without opening new counters.
Not a generic “fraud model”. Defence layers tuned to the mechanics I studied at the NFI: video-manipulation detection, inconsistencies between the presented document and the live stream, signals of software injection in place of a physical camera, and alerts for synthetic documents that pass OCR but fail forensic analysis.
When a workflow is worth automating end-to-end, I deliver it as a solo builder with team throughput, using coding agents (Claude Code, Cursor). Small, bounded, measurable — on infrastructure you control, not a monolith project.
Many firms either avoid AI or burn money sending every task to the most expensive cloud model. At your scale, neither makes sense. I work the other way: start small, measure, and let the result justify the next step.
People first. A tool the team adopts is worth more than ten that go unused. Then the right automation. Repetitive tasks run on models hosted at your side; client data never leaves the bank. And one measure that matters: time saved and risk reduced, stated in management's language, not in jargon.
I teach from people, not from code — a psychology and community background. Adoption lasts because the team understands, not just installs.
Research on video manipulation and forged-document detection at the Netherlands Forensics Institute (NFI); thesis defended at the Dutch Ministry of Justice & Security. I know identity fraud by concrete vectors, not as a slogan.
ML on sensitive data with homomorphic encryption (PySyft, TenSEAL) and zero-knowledge ML (EZKL). Models work without exposing the data underneath — exactly a bank's constraint.
End-to-end solo delivery with coding agents (Claude Code, Cursor); finalist at 10+ international hackathons. Speed without a large team is the whole point at your scale.
A short session with the “Ask a specialist” team and back-office: I show concretely how to use AI safely and we map where it helps at BRCI and where confidentiality requires it to stay local. You leave with a written plan — whether or not we continue.
I build the first pilot — most likely the procedures copilot with citations for advisors — on infrastructure you control, with success criteria agreed up front. Small, bounded, and yours.
We roll the proven pattern further; train the rest of the team; add the anti-fraud layers. Retainer or per-project — your call, reviewed periodically.
For the attention of the executive management of Banca Română de Credite și Investiții (BRCI).
Dear Sir or Madam,
I've followed BRCI as a niche bank relaunched in 2014, with roots going back to 1990, that openly commits to a promise rare in the market: “We want to grow together.” You grow without a large branch network, betting on relationships and digital channels — exactly the context where the right AI helps most.
I propose we start with people: training the “Ask a specialist” team to use AI with confidence, then adding agents for digital onboarding, for compliance triage, and an anti-fraud defence tuned to real identity attacks — the field I researched at the Netherlands Forensics Institute.
This isn't a pitch sent in bulk: I wrote it for BRCI, in your colours, starting from your products and priorities. I propose a small, no-risk first step — a half-day of enablement and a workflow map — so you can see the value before any commitment.
I remain at your disposal, in Romanian or English, for a short conversation whenever it suits you.
No obligation. I'll come with two or three concrete ideas drawn from BRCI's own products: “Ask a specialist”, digital onboarding, and anti-fraud defence.