هتان زهران

Issuing and updating risk policies and chairing Risk Committee meetings, driving alignment with organizational objectives and regulatory requirements.
Implementing policies across the organization, ensuring effective controls and providing research-backed analytical support.
Conducting comprehensive Risk Control Self Assessments (RCSA) to identify and analyze potential risks, leading to proactive risk mitigation strategies.
Reviewing and auditing existing processes and procedures, optimizing them for enhanced risk management effectiveness.
Developing robust risk management systems and controls, fostering a culture of risk awareness and accountability.
Designing and executing processes to remove or mitigate potential risks, resulting in a more resilient operational framework.
Evaluating and updating risk types, methodologies, and approaches in accordance with compliance strategies and regulatory changes.
Identifying risk types and devising relevant methodologies and approaches, aligning with approved compliance strategies.
Creating a comprehensive risk heat map and devising detailed risk mitigation plans, collaborating with sectoral and executive departments for seamless execution.
Conducting thorough assessments of current policies and procedures, identifying weaknesses and recommending improvements.
Preparing and delivering insightful risk reports and recommendations to senior management, facilitating informed decision-making.
Providing targeted training sessions to staff, enhancing risk awareness and fostering a culture of risk management excellence.
Maintaining rigorous standards for credit risk assessment, aligning with company credit policies, standards, and risk acceptance guidelines.
Managing credit risk assessments, analyzing current and potential risks, and proposing solutions to mitigate operational and credit risks effectively.
Cooperating cross-functionally with Compliance and Internal Audit teams to address observations and enhance risk management practices.
Setting and Monitoring Key Risk Indicators (KRIs) and registered and tracked risk losses, facilitating proactive risk mitigation measures.
Preparing and updating Business Continuity Plans (BCP), ensuring organizational resilience in the face of disruptions.
Formulating contingency plans for crisis management, ensuring business continuity and minimal disruption during adverse events.
Preparing and presenting risk reports for Committee and Board meetings, providing insights into risk exposure and mitigation strategies.
Conducting portfolio analysis and performance evaluations, informing strategic decision-making and optimizing risk-adjusted returns.
Monitoring Stress and Liquidity Risks
Submitting comprehensive risk reports to the Saudi Arabian Monetary Authority (SAMA) on a quarterly basis, ensuring regulatory compliance and transparency.

● Establishing and updating the standards and the check lists of the internal review for all Retail Banking Group (RBG) Branches and products (Auto lease, Credit cards, Personal Finance, Residential Finance, Private Banking Accounts).
● Reviewing all processes to Identifying risks, and Risk controls.
● Advise the business with risk’s control point of view\
● Ensure complying with internal and external policies, standards, regulations, laws, and regulatory directives across all areas of the Retail Banking Group.
● Coordinating, tracking, and assisting on corrective action plans of:
o Compliance issues
o Audit issues (Internal & External Audit and Fraud) o Operational risk issues
o Risk incidents and losses o SAMA inspections o Internal review
● Ensuring that overall audit rating for Retail Banking Group is within acceptable ranges.
● Monitoring Key Risk Indicators of Retail Group’s Divisions.
● Monitoring the trend of RBG losses, to agree on suggested parameter settings /system enhancement that should be applied within businesses and operations.
● Setting (proposing) new process controls made for fraud prevention, controlling & monitoring risks, and decreasing the operational costs and losses for retail branches and products.
● Communicating / arranging meetings with various departments, to resolve issues or any obstacles/difficulties cause delays in resolving it.
● Participation various meetings to understand the dynamics of the businesses and advise them from risk control point of view.
● Analysing operational risks events and reporting them in the risk’s data base.
● Extracting MIS files to conduct sampling tests for critical issues.
● Analysing MIS reports.
● Supporting Businesses and reviewing Technical Requests.
● Reviewing Product Programs manuals.
● Adhere to the Bank’s AML/CTF policy, guidelines and all SAMA’s regulations relating to account opening, KYC and Customer Due Diligence.
● Contribute to the identification of opportunities for continuous improvement of business processes, productivity, and cost reduction.
● Increase awareness of Risks.

• Implement all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.
• Adhere to the Banks AML/CTF policy, guidelines and all SAMAs regulations relating to account opening, KYC and Customer Due Diligence.
• Perform a comprehensive test based on a detailed checklist to cover all the areas of the business units.
• Identifying risks in all business units.
• Recommend and following up on corrective actions related to risks.
• Contribute to the identification of opportunities for continuous improvement of business processes, productivity, and cost reduction.
• Coordinating, tracking and assisting on corrective action plans of: o Compliance issues o Audit issues (Internal & External Audit and Fraud) o Operational risk issues o SAMA inspections o Internal review.
• Monitoring Key Risk Indicators of Branch Banking Division (BBD).
• Monitoring the trend of losses, to agree on suggested parameter settings/system enhancementthat should be applied within businesses and operations.
• Setting (proposing) new process controls made for fraud prevention, controlling & monitoring risks, and decreasing the operational costs for retail products.
• Communicating/ arranging meetings with various departments, to resolve issues or any obstacles/difficulties cause delays in resolving it.
• Advise the business with riskcontrol point ofview.
• Analysing operational risks events and reportingthem in the risks data base.
• Extracting MIS reports to conductsampling tests for critical issues.
• Analysing MIS reports.
• Supporting Business and reviewingTechnical Requests.
• Reviewing Product Programs manuals.