Issue 10 2021

22 CEO MONTHLY / ISSUE 10 2021 , Aug21659 Invest In The Best For amore stable financial future, Monestro is creating a world where people can invest in all kinds of companies in an intelligent and secure way. With innovative processes and procedures, it is encouragingmore investors to embark on a journey towards safer, higher yield returns. We take a look at Monestro as its CEO Johan Orsingher wins CEO of the Year 2021 – Tallinn, Estonia. Founded in 2016, Monestro is a peer-to-peer (P2P) investment platform that offers high quality, more secure and lower risk investment loan opportunities. Delivering on all investors’ need to understand what they are investing in, as well as earning their trust, Monestro is providing one of the best financial services that investors can find. Instead of promising high returns, Monestro offers a stable alternative investment for each of its investors. For a competitive yield, and a stable balance between profitability and risk, Monestro has a range of diversification opportunities to invest in fractions of loans. This decreases and spreads the risk when it comes to its investors’ money. Its process starts with registering and verifying identities, a simple process that can take just minutes. Then the investor simply needs to add funds to their account and reap the rewards every month once they have built up an investment portfolio. This portfolio is comprised of borrowers that build up interest payments on the invested amount, so every month the investor has the opportunity to reinvest funds or to transfer them back into their account. Monestro works in co-operation with a Big Four accounting firm, and it has developed the Loan Originator Due Diligence process, a process which has been designed to protect the investor – or Loan Originator – thanks to Monestro’s market leading risk management offering. The Big Four accounting firms are the firms that dominate the industry. They audit more than 80% of all US public companies and are the four largest accounting firms by revenue alone. They advise on tax and offer a variety of management and assurance services that help big as well as small businesses and individuals to make the right investment choices. As there is a large variety of Loan Originators on the Monestro Marketplace there is a need to have a risk team that can take care of their needs. Monestro intricately assesses each prospective Loan Originator before they join, using its Due Diligence procedure. By carrying out its important analysis of financial statements, management quality, underwriting policies, credit scoring, loan portfolio performance, and data accuracy, Monestro is able to build a profile of each Loan Originator to ensure the best service possible, as well as to determine eligibility. Believing in full transparency, Monestro works with third parties regarding risk assessments and abides by its Loan Originator Due Diligence processes to be able to truly understand its investors’ situations as well as to minimise any risk. The standards that it sets for its investors abides by all legal regulations and requirements that have been put into place to protect lenders. With its loan underwriting policies, Monestro provides the chance to invest in accordance with its rigorous criteria that means they will be more secure. Moreover, with its Buyback Obligation, Monestro protects its Loan Originators so that they can feel safe in the knowledge that their money is being taken care of. The Buyback Obligation comes with a lower interest rate than loans without it and, by offering this service, Monestro is able to keep the interest rates low for the Loan Originator, therefore lowering the risk as a whole. Monestro has formed a monetary reserve to reimburse funds subject to the other conditions of its policy. This reserve is contributed to via Monestro’s own funds. Where voluntary reserve is agreed, Monestro pays 0.33%-0.55% to each fund from the outstanding portfolio so that investors can rest assured that they are getting the best out of their interaction with this company. P2P investments can experience many fluctuations over time, alas, resulting in a change in yield and returns for each investor. These changes can be due to economic downturns, crisis, and geopolitical events which are all difficult to judge and almost impossible to predict at the best of times. As the P2P marketplace is a new and fast-growing field that is always adapting, it is important to invest wisely with an educated idea of what the market is like and where it is heading. As this market is so much less risky, with less short-term volatility and less intense than investing in stock that with higher initial capital to get started. By being based in Estonia, Monestro is able to reach the forefront of the digital world. As Estonia leads the digital economy of Europe and the world, it provides Monestro with the perfect environment to flourish and connect with its investors. Although anyone can invest across the globe, being based in Estonia means that Monestro has a great relationship with a leading digital mindset. Not only does Monestro take pride in its Estonian roots, but it takes pride in its extremely diverse and inclusive team. Its internal culture promotes openness and full transparency for great connections between employers, employees, peers, and customers. It is imperative that each person feels heard and understood and with Monestro’s open nature, it is able to do this for everyone that it works with. Coming from a rich background of experience, CEO Johan Orsingher has now won CEO of the Year 2021 – Tallinn, Estonia, for all of his dedicated hard work with Monestro. Not only has he got a wealth of experience with this company, but he also has a lengthy portfolio of success throughout his career life. Transforming every business that he touches. He is a self-motivated individual that has