هبة العطار

Senior Very Large Business (VLB) Services Analyst, Taxpayer Services
(7 Jan ’18 - Present)
1) Operational Role:
Initiating and developing direct contacts with VLB with turnover of AED +150Mn, and handling their daily tax related inquiries in terms of Registration, Returns, Payments, Refunds and Clarifications within 2 working days.
Building cordial relationships with the assigned portfolio of more than 400 accounts, and providing support with their tax administration processes.
Contributing to the promotion of Tax compliance among VLB within my portfolio, and taking necessary measures against tax evasion or fraud.
Raising any complex inquiries to relevant Tax Affair Functions for their support and respond to Taxpayers in a timely manner.
Actively participating in Tax Clinics across the various Emirates by engaging directly with businesses in order to increase the number of registered taxable businesses and promote compliance with the timely submission of Tax Returns and payment of due taxes.
Raising awareness about Tax Invoice requirements by participating in the field tours under “Tax Invoices: Your Right and Assurance” campaign, where I urge all registered businesses to issue correct Tax Invoices for all transactions.
2) Reconsideration:
Created operational manual and detailed Process Map for Reconsideration application and obtain approvals from the Committee Members.
Studied and filtered around 2K Reconsideration backlog requests with the average of 50 requests daily, and assign it to the appropriate departments for their necessary action.
Prepare comprehensive Coversheets and compute revised penalties levied on Taxpayers for the Committee to review and establish a decision on their Reconsideration request.
Maintain data and records on all Reconsideration Requests received from Taxpayers, and provide Senior Management with detailed report aimed at improving management effectiveness and increase efficiency of resources in the delivery of organizational services.
Rejected Reconsideration Requests that do not meet the prerequisites of the Federal Law Decree.
3) Additional Responsibilities:
Assisted Call Center in designing Chabot conversation through formation of ancillary questions driven from the main question and test TARA’s responses to those questions.
Prepared more than 150 FTA Tax Service Agreements for new Freight Forwarders and Clearing Agents who wish to clear shipments on behalf of non-registered individuals and entities, and validated previously issued agreements on their accuracy. In case of discrepancy of information, issued revised agreement.
Played an active role through the inception of VAT by participating in various projects through the implementation of VAT; Global Village Campaign, Land’s Department, Freight Forwarders and Walk-in Centre.
Worked closely with the Strategic Team to measure Department’s Performance, set KPIs, assign operational Plans for the team members, along with identifying and addressing risks by forecasting and planning for potential challenges and work on solutions that will eliminate or lessen the impact.

Director, Institutional Banking Group, Management Trainee
(8 Mar ’14 - 18 Dec ‘18)
1) Relationship Management:
Identified clients’ financial requirements in terms of Products and Services.
Ensured effective utilization of approved limits to maximize profitability by facilitating transactions and addressing Operations and technical issues.
Assisted Unit Head in maintaining complex multi-product group relationships and contributed towards achieving team targets.
Actively participated in closing large size tickets within IBG such as Allana Int’l, Topaz Marine and Energy Ltd, and Transguard Group.
Established cordial relationships with credit and all other support divisions for effective coordination and execution of transactions.
Provided superior customer service exceeding customer expectations.
Attended client calls with GRM, following up on opportunities identified during the meetings and preparing detailed call reports.
Maintained a working rapport with customers and supporting them in all aspects of relationship
Ensured all constitutive documents are perfected and compliant with applicable policies, KYCs and regulations when on boarding new clients and creating IDs for Syndicated Deals.
2) Business Development:
Assisted GRM with soliciting fresh borrowing relationship through market research
Enhanced clientele base through targeting diversified sectors such as Real Estate, Trading, Services, Contracting and Manufacturing
Sought referrals from existing customers or other Business Units within FGB Network, source business from prospects and followed up on sales leads within designated market segments.
Identified and forwarded sales leads to other areas in the bank for cross-selling opportunities, and coordinated with product partners on promoting bank's products.
3) Administration & Reporting
Assisted GRM in preparing GLM, RAROC calculations, CAC and Account plans.
Involved in execution of high value transactions and drawdowns through coordination with various departments within the bank such as credit, operation, CS and DMS to ensure smooth execution.
Ensured all constitutive documents are perfected and in line with the bank’s policies and internal regulations.
Ensured customers’ records and mandates are intact and transactions are recorded/ processed in the system.
4) Risk management
Assisted GRM as appropriate with respect to credit risk assessment.
Assessed the financial and business risks involved in lending to particular businesses, mainly by looking at the company's competitive position within its industry, its strategic direction, management quality, and financial profile.
Actively involved in on boarding process through conducting proper KYC in coordination with compliance and CAD department
Pro-actively managed the assigned portfolio risk by ensuring timely renewal of accounts within the applicable time standards, provided all required information are available.