Ruxandra has a degree in Finance and Accounting from Bucharest University of Economic Studies. She is a long standing professional with almost three decades in the Central Bank, especially in payments area, currently focusing on a new core function of a modern central bank, namely oversight activity.
For nine years Mrs Avram worked as coordinator of the Division of Regulation, Authorization and Oversight of Payment and Securities Settlement Systems.
At present, Mrs Avram is the Head of Market Infrastructures Oversight Department at National Bank of Romania. In this new role, Mrs Avram is mainly responsible for: Implementation of the relevant European Directives applicable in the payments field ; Regulations on payment instruments; Authorization of payment systems and securities settlement systems; Ongoing oversight of payment systems and securities settlement systems; Collecting information and statistical data regarding payments and payment instruments; Monitoring business continuity planning of payment service providers and payment system operators.
As representative of Central Bank, Mrs Avram is also an active participant/member within some structures developed at European Central Banks (ECB) level relevant for the payments field.