Experience

ATFX MENA

• United Arab Emirates
• Financial Services
• 1 - 100 Employee

• Head Of Compliance

  • Dec 2021 - Present

  United Arab Emirates • Managing compliance-monitoring programs and providing advisory support to the Group that is in line with the regulation. • Draft and revise company policies and procedures. • Proactive review and audit to assess the adequacy and effectiveness of the company’s measures, policies, and procedures put in place to prevent any compliance failures. • Working with regulators across multiple jurisdictions such as JSC, FSC, and SCA. • Evaluate business activities to identify risks… Show more • Managing compliance-monitoring programs and providing advisory support to the Group that is in line with the regulation. • Draft and revise company policies and procedures. • Proactive review and audit to assess the adequacy and effectiveness of the company’s measures, policies, and procedures put in place to prevent any compliance failures. • Working with regulators across multiple jurisdictions such as JSC, FSC, and SCA. • Evaluate business activities to identify risks allocated to the business. Ensure risk tracker, risk mitigation, preventative controls, and corrective actions are in place. • Participating in specific working groups or projects that implement new regulations and liaising with internal stakeholders and external advisors as appropriate. • Regular reporting, including reporting of non-compliance, to the Board and senior management. • Evaluate risks linked to the implementation of new systems, products, and payment gateways. • Reviewing the Group Business Plan, conducting gap assessment, which includes evaluations of the existing controls against new regulations, industry practices & emerging threats on a real-time basis. • Working closely with Business partners to build and maintain a productive business relationship across the region. • Prepare Senior Management and Board of Directors reporting and recommending changes to the Board. • Training the team and senior management on Compliance and operational risk matters including AML/CFT policies and requirements and incident reporting. • Review and approve the Onboarding of all retail and Institutional clients measuring the risk associated with each client. • Transaction Monitoring to be in line with the regulation. • Excellent Project Management skills with strong control. Show less



International Compliance Association

• United Kingdom
• Professional Training and Coaching
• 1 - 100 Employee

• ICAqualified

  • Sep 2018 - Sep 2019

  Dubai, United Arab Emirates #ICAqualified ( International Diploma in Anti-Money Laundering)



First Abu Dhabi Bank (FAB)

• United Arab Emirates
• Banking
• 700 & Above Employee

• On-Boarding Commercial Compliance Manager - Business Compliance (Middle office)

  • Nov 2014 - Jun 2017

  United Arab Emirates • Responsible for the KYC processing of new client and account opening forms and maintaining reference databases with completed records and information. • Appraise, analyze, and comment on all documents received from clients including, but not limited to, constitutional documents, passport copies, EIDs, Board Resolutions, POA, financial statements, ownership structure (BO/UBO) with approval authority to open all Low and medium risk clients. •Reinforce of Bank Compliance policies such as… Show more • Responsible for the KYC processing of new client and account opening forms and maintaining reference databases with completed records and information. • Appraise, analyze, and comment on all documents received from clients including, but not limited to, constitutional documents, passport copies, EIDs, Board Resolutions, POA, financial statements, ownership structure (BO/UBO) with approval authority to open all Low and medium risk clients. •Reinforce of Bank Compliance policies such as KYC Policies, Risk Rating, Due Diligence, Internal procedures and guidelines for the commercial portfolio. •Identify potential areas for improved processing and automation of manual processes to facilitate or improve the client onboarding/transition/conversion experience. •Management of project deadlines and demonstrate the commitment to relevant forums, projects and business developments having achieved the best result in remediation projects such as FATCA/CDD/EDD/PEP and risk rating. •Conducting training for frontline staff and making sure they adhere to the Bank’s policies and procedures. •Conduct and assess Account Activity Review for continuous monitoring of client transaction flows. •Establish written guidelines to staff on the appropriate implementation of the laws, regulations, rules, and standards through policies and procedures. •Prepare various internal/external reports when and as required by management. •Developed process for uniform handling of breaches; such as reporting suspicious transactions related to money laundering, insider dealing, gifts handling fraud and ethics. •Attending to all audit observations related to AOF •Operation Risk Champion having worked on Business Banking operation risk plan and allocated all measures to reduce risks.

• Product Manager

  • Nov 2014 - Dec 2015

  Dubai, United Arab Emirates Commercial Liability Product Development: • Developed enhanced and rolled out liability product propositions, features, processes and alliances to evolve Commercial Banking product offerings in NBAD to accomplish set business deliverables. • Launched the Business Banking policies and procedures manual guidelines for business banking processes along with compliance department. • Driven projects and developed systems to measure and increase client satisfaction levels with bank services… Show more Commercial Liability Product Development: • Developed enhanced and rolled out liability product propositions, features, processes and alliances to evolve Commercial Banking product offerings in NBAD to accomplish set business deliverables. • Launched the Business Banking policies and procedures manual guidelines for business banking processes along with compliance department. • Driven projects and developed systems to measure and increase client satisfaction levels with bank services and products. This includes cultivating the Commercial call Centre; lead referral system among others. • Worked on system developments to be able to enhance MIS reporting; monitor case escalations; facilitate better process control; tracking and monitor customer mandate changes and improve services turnaround. • Provide both commercial and retail staff trainings on boarding, relevant commercial banking products, service and mandatory trainings. FATCA reporting on behalf of Commercial Banking with Central Bank. • Identify any process, product or service gap, develop strategies and action requires to address these gaps.



Emirates Islamic

• Banking
• 700 & Above Employee

• Team Leader, Services Channels – Business Banking Group

  • Apr 2013 - Oct 2014

  United Arab Emirates • Handled a team of 10 Business Banking Associates (Emirati)located in various locations in Dubai and NE. • Product Development and Management for Islamic Liability Proposition including focused bundled propositions of Trade, Hotline and F/X Solutions • Launched the Business Banking policies and procedures manual guidelines for business banking processes. • Strategic planning and transformational change, part of the core team which defined and re-designed the overall Business Banking… Show more • Handled a team of 10 Business Banking Associates (Emirati)located in various locations in Dubai and NE. • Product Development and Management for Islamic Liability Proposition including focused bundled propositions of Trade, Hotline and F/X Solutions • Launched the Business Banking policies and procedures manual guidelines for business banking processes. • Strategic planning and transformational change, part of the core team which defined and re-designed the overall Business Banking module at Emirates Islamic and executed the business strategy • Launched new service delivery channels for the segment, Hotline Agents which attends all banks inquires . • Established the Lead Management Desk which supports generating leads through calls with branches • Setting up the service unit for the group, implementing the CRM package • Provide training on product and processes for all 52 branches along with business banking centers. • Worked closely with Compliance department to develop routing system. Show less



Abu Dhabi Commercial Bank

• United Arab Emirates
• Banking
• 700 & Above Employee

• Commercial Sales &Service Manager

  • Jan 2008 - Apr 2013

  United Arab Emirates • Managing and growing a SME portfolio of various industries. • Update with market development which add value to the overall portfolio risk and revenue and making recommendations for suitable changes (Product Limits, Pricing and Process). • Working closely with Treasury, Wealth Management and other products partners to effectively cross the bank products to obtain higher returns on the accounts. • Soliciting new relationships, structuring credit facilities, negotiating and… Show more • Managing and growing a SME portfolio of various industries. • Update with market development which add value to the overall portfolio risk and revenue and making recommendations for suitable changes (Product Limits, Pricing and Process). • Working closely with Treasury, Wealth Management and other products partners to effectively cross the bank products to obtain higher returns on the accounts. • Soliciting new relationships, structuring credit facilities, negotiating and closing new opportunities to meet budgeted annual income for the bank. Commercial Service Manager -ADCB SME Sales & Services - Business Banking Group • Handling a diversified portfolio consisting of small to medium size relationships consisting of well-reputed contracting, manufacturing, power and utilities and trading. • Managing all services related to the SME Portfolio in Dubai and Sharjah Region supported by 7 Commercial Services Officers (CSOs) who is dedicated to service 10 RMs portfolios. • Services includes handling daily operational work, execution of all trade finance transactions, daily accounts monitoring and liaise with all the concerned departments. • Visit clients periodically to maintain relationships and conduct on-site AML discussion. • Coordinate with Compliance Department to ensure submission of documents, KYC Forms are updated in system, and update of client KYC profiles. • Handling exceptions reports, AML report, and track sheet of Credit Administration Department. • Follow up with all complaints, enquiries and ensure completion of client. • Matched strong sales skills with fair technical credit skills and commercial awareness through dealing with multiple product providers, across different divisions. • Part of the integration team that led the RBS & ADCB merger. Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Financial Service Officer – Personal Financial Services (PFS)

  • Jan 2006 - Jul 2007

  United Arab Emirates Financial Service Officer – Personal Financial Services (PFS) • Dealing with many Retail customers on daily basis and tactfully handling complaints from initial contact to problem resolution. • Maximize product sales to agreed targets by probing customer needs and cross – selling PFS products and making group referrals. • Responsible for supporting /executing the bank products such as Personal loans, Car Loans, Islamic Funds, Overdrafts, Credit Cards, Offshore Accounts, Insurance… Show more Financial Service Officer – Personal Financial Services (PFS) • Dealing with many Retail customers on daily basis and tactfully handling complaints from initial contact to problem resolution. • Maximize product sales to agreed targets by probing customer needs and cross – selling PFS products and making group referrals. • Responsible for supporting /executing the bank products such as Personal loans, Car Loans, Islamic Funds, Overdrafts, Credit Cards, Offshore Accounts, Insurance and investment products. • Lease with compliance department to ensure the retails portfolio is in line with the Banks policy Show less