فتحي المزعل

Direct the day-to-day trade finance operations ensuring alignment with organizational objectives. Oversee controls and standardization across the structure focused on enhanced quality and performance. Analyze systems and processes to identify and remediate operational gaps and risks. Evaluate customer experiences across the trade life cycle and develop continuous improvement strategies. Process Trade Finance Transactions received over the counter or from branches.
• Instrumental in the identification of key operational improvement opportunities and the implementation of international best practices resulting in enhanced business processes, cost reduction, and productivity.

Direct the day-to-day trade finance operations ensuring alignment with organizational objectives. Oversee controls and standardization across the structure focused on enhanced quality and performance. Analyze systems and processes to identify and remediate operational gaps and risks. Evaluate customer experiences across the trade life cycle and develop continuous improvement strategies. Process Trade Finance Transactions received over the counter or from branches.
• Instrumental in the identification of key operational improvement opportunities and the implementation of international best practices resulting in enhanced business processes, cost reduction, and productivity.

• Oversaw strategic planning and Quality Assurance (QA) across Cash, Trade and Loan operations ensuring adherence to corporate governance and standards as well as SAMA regulations. Developed and deployed effective strategies focused on driving Key Performance Indicators (KPIs), compliance, enhanced customer experiences, and personnel management. Drove alignment between business practices and established objectives. Analyzed processes to identify and remediate gaps. Evaluated financial performance against established KPIs. Held accountable for risk management and mitigation. Tracked, documented, and communicated suspicious transactions and risk activities. Cultivated relationships to enhance market position and drive revenue. Liaised cross-functionally and with external clients as a Subject Matter Expert (SME). Investigated and resolved queries and audit findings. Review and maintain enhanced business process workflow and procedures to comply with the SAMA regulations and the bank policies. Report to the top management about the internal and external Audit and SAMA regulations gaps along with closing implementation plan. Review the pricing policy and recommend pricing scheme for Cash Management and Trade Finance products. Provide the staff with guidance /coaching on how to build and update the Products Business Plan based on up to date market offerings to enhance products features, customer experience and increase sales.
• Slashed cost by leveraging existing resources.
• Enhanced compliance to established policies and procedures.
• Aligned staff performance and KPI’s with organizational objectives.

Led cash management products consisting of a diverse corporate product portfolio including payroll, prepaid cards, B2B, PASS, account sweeping, SADAD OLP and e-Commerce solutions. Acted as a lead Business Architect -payment to support the development of state-of-the-art payment and collection solutions. Provided strategic leadership and guidance in the administration of online banking functions. Oversaw the execution of profitability and cost savings initiatives. Defined various operational processes. Held accountable for the development and implementation of go-to-market and product strategies leveraging customer requirements and specifications. Collaborated in determination of pricing and marketing strategies. Utilized customer experience data to launch continuous improvement strategies. Managed the performance and delivery of a cross-functional team of product managers. Built and managed relationships across the market to expand presence and optimize opportunities.
• Spearheaded the development of streamlined and effective online banking processed aligning practices with established standards.
• Successfully created high-impact business cases supporting the launch of new products and services.
• Established a robust business pipeline encompassing 20+ products to maximize ROI.
• Initiated the SADAD OLP online payment solution and prepaid card service as well as the Riyad Online Corporate enrollment of 6.5K corporate customer over four years.
• Increased sales from $1.6M to $29.3M.
• Created a corporate call center to facilitate inbound call management.