Experience

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  Self-Employed

  • United Arab Emirates

  • Independent Senior Consultant

    • Jan 2011 - Present
    • United Arab Emirates

    As an independent Senior Consultant, Mona works with international consulting companies in providing consulting to banks, central banks and governments in the Middle East. She has over 26 years of experience in banking and consulting for banks.Mona's consulting work over the past five years is with top-tier international consulting firms focused on regulatory compliance, including AML/CFT, and most recently, ESG. She also helps banks and FIs develop and/or enhance their policies and procedures in line with regulatory requirements and international best practice.Her recent engagements include:• AML/CFT and Sanctions assessment for a bank in Jordan• Development of policies and procedures for an Exchange business in the UAE• Regulatory assessment for a financial institution in the UAE• Compliance Department assessment for a UAE-Based bank• Country-level Assessment of AML/CFT framework in preparation for the FATF Mutual Evaluation (2.5 year project with one of the major Central Banks in the region) - Mona led implementation of the project on the ground and coordinated with various government agencies and FI Supervisors to consolidate the data at country-level and analyze the effectiveness of the country's AML/CFT systems.• Performance Assessment for bank departments and operations for an Islamic Bank in the UAE• Subject Matter Expertise (in banking) across multiple consulting projects for banks in the region Mona has also been involved in corporate consulting for institutional investors as follows:• Valuation of real estate investment company on behalf of regional institutional investor• Due diligence for a regional pharmaceutical company on behalf of an institutional investor• Performance improvement for a UAE-based concrete company on behalf of an institutional investor

• 

  6 Sigma Group

  • DIFC

  • Senior Consultant

    • Feb 2005 - Dec 2010
    • DIFC

    Job role: Financial Consulting for Companies (for Debt/Equity Structuring), Consulting for Banks, Lead Role in Development of Corporate Credit Risk Rating System, and Corporate Credit Training for bankers.Financial Consulting - Financial analysis of companies in the Middle East - analysis of cash generating abilities, forecasting, industry analysis, economic analysis, and risk assessment for debt structuring and private equity purposes.Some projects include:-Financial consulting and due diligence on behalf of an institutional shareholder for a pharmaceutical company -Due Diligence for a cash transport and security company in KSA-Performance improvement for a manufacturing company in Dubai-Project finance for numerous real estate projects in KSA-Due Diligence for a merger within the media sector in Dubai-Corporate finance and Due Diligence of an IT company in Dubai-Corporate finance and Due Diligence of a ready-mix company in KSA-Valuation & due diligence of a manufacturing company in Dubai-Analysis & Due diligence deal of a prominent high-end retail business in Dubai-Due Diligence for a material testing/geotechnical engineering company in QatarCorporate Credit Risk Rating - Played a lead role in the development, implementation and project management of a corporate credit Risk Rating System under Basel Guidelines./ Technical experience in building the financial engine of a system for complex calculations (including probability of default, loss given default, exposure at risk at portfolio level, RAROC…) / Hands on experience in identifying the problem and customizing a solution via financial modeling, risk rating methodology, implementation and follow-up.

• 

  Bank Audi sal

  • Lebanon

  • Senior Credit Officer

    • Oct 1995 - Feb 2005
    • Lebanon

    •Almost 10 years experience in corporate & SME credit. •Last position held at the bank was Senior Credit Officer in one of the major regional branches of the bank in Lebanon (Verdun).•Financial and credit analysis, credit proposals, coordinating with Senior Management to answer questions and address any concerns, handle documentation and manage credit portfolio.•Worked as part of a team handing a credit portfolio of $300 million.