Iman Jbarah

• Led the development and implementation of the Compliance Framework in alignment with Central Bank of
Kuwait regulations and fintech guidelines.
• Oversaw AML/CFT programs, including transaction monitoring, risk assessments, and reporting of suspicious
activities.
• Ensured full regulatory adherence across all products and services, including payment gateway, POS, digital
wallets, and merchant onboarding processes.
• Managed the CBK finding, internal and external audits, prepared regulatory reports, and coordinated responses
to audit findings.
• Developed and enforced company-wide compliance policies, procedures, and governance structures.
• Supervised compliance reviews for high-risk merchants and ensured proper KYC/EDD documentation.
• Provided continuous compliance training to employees and enhanced awareness of regulatory obligations.
• Acted as the primary point of contact with the CBK and regulatory authorities.
• Monitored regulatory updates and ensured timely implementation of new requirements.

As a Senior Credit Compliance Officer at the National Bank of Kuwait, I played a critical role in managing risk by
ensuring compliance with the Credit Policy & Authority Manual and CBK regulations. My responsibilities included
reviewing credit files and committee agendas daily, conducting daily follow-up clearance of discrepancies,
monitoring collaterals coverage ratio, and reviewing and checking exceptions approvals of the Cash/Noncash
facilities L/Cs, L/Gs, and local Bills Discount. I also monitored the release of Fixed Deposits held with the Bank
as security, followed up and monitored any delay to the customers overdrawn accounts, and ensured that insurance
policies covered risks against the mortgage of Real Estate as collateral in place.
Moreover, I played a key role in updating collateral value and ensuring overseas portfolios were in place and
monitored before their maturity date in coordination with the Domestic Credit Operations. I ensured that the
irregular accounts were raised through the Special Purpose Committee or Senior Credit Committee and that missing
documentation was raised and discussed through the Special Purpose Committee. Additionally, I set up collateral
on the system for new & renewed facilities and linked them to respective limits in compliance with the approved
credits, while also ensuring safekeeping of original documents as collateral. My attention to detail and commitment
to compliance and risk management contributed to the overall success of the Banks credit operations.

As a Support Officer at Al-Ahli Bank of Kuwait in Corporate Banking, I was responsible for ensuring that all
financing processes were executed in compliance with the banks approved procedures. My duties included reviewing
credit memorandums approved by appropriate authorities, reviewing, and ensuring that all signed and authenticated
documents comply with the banks policy and approved proposals, and coordinating with the Legal Department
regarding the implementation of credit facilities.
I liaised with various departments to ensure that the most up-to-date collateral covers were in place and was
responsible for preparing various reports related to mortgage releasing, collateral deficiency and pledged shares. I
also guided the team on transaction execution and procedure implementation and ensured that periodic inspections
of collateral were independently carried out.
In addition, I was responsible for preparing facility contracts and memos on the utilization of approved facilities,
extracting, and preparing CBK figures, and dealing with customers. I checked and followed up on operational matters
such as TTs rollover and account transfers, ensured that all supported documentation was in place, extended the
expiry of facility limits, issued, and canceled OD payment certificates, and made loan drawdown. Finally, I was
involved in selling bank products and handling Al-Amil and Salary Accounts