Joe Bou Malhab, Chief Compliance Officer

Joe Bou Malhab

Chief Compliance Officer

BLOM BANK

Location
Lebanon - Beirut
Education
Master's degree, Management
Experience
12 years, 2 Months

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Work Experience

Total years of experience :12 years, 2 Months

Chief Compliance Officer at BLOM BANK
  • Lebanon - Beirut
  • My current job since May 2019

▪ Screen names of the following customer categories: HR BLOM employee candidates, Trade Import/Export/CIL
customers, dormant A/Cs, high risk Retail customers applying/benefiting from loans, high risk AROPE
customers...inform stakeholders about the decision
▪ Study and screen new and existing high risk clients(PEPs/Exchange Dealers) during account opening or
renewal, prepare the recommendation letter to GM and inform the branch about GM decision
▪ Authorize operations/services, for customers related to sanctioned countries, such as, attestation, outgoing
and internal transfers, cash operations, New USD TNA, after performing real-time screening with respect to
Money Laundry /terrorist financing/sanctions/Embargos
▪ Authorize operations/services, for customers, such as, Outgoing transfers for the purchase of a car for
personal use, cash deposits or cash withdrawals greater or equal to USD100, 000 or its equivalent,
International checks greater or equal to USD100, 000 or its equivalent, customer Instructions by mail, ... after
performing real-time screening with respect to Money Laundry /terrorist financing
▪ Raise study to GM for cash deposit or withdrawal equal or above USD 500, 000 or its equivalent in other
currencies
▪ Monitor all SWIFT messages that are stuck in the SWIFT screening software’s pool(SMART), in order to decide
whether to accept or refuse the incoming or outgoing transfer
▪ Handle all cash and transfers exemption requests.
▪ Identify and report high risk activities that maybe indicative of money Laundry, terrorist financing, or evading
sanctions
▪ Screen ID names of all new potential personal account customers of high risk categories, and inform stakeholders about the decision

Customer Service Manager at BLOM BANK
  • Lebanon - Beirut
  • February 2018 to May 2019

 Guiding all staff in the execution of assigned tasks
 Ensuring that the services are of maximum satisfaction to customers
 Reporting to management about the staff performing level
 Implementing different methods to achieve the retail and bancassurance target
 Evaluating and Increasing productivity of the staff
 Building strong healthy relationships with clients
 Handling, controlling and signing Letters of Credit and Letters of Guarantee operations
 Managing all BLOM Invest Portfolio
 Controlling and signing:
1-Incoming and outgoing transfers
2-ATM and cash operations
3-Banker, Certified and International Checks
4-Taxes
5-Trade Finance operations
6- Retail and Bancassurance applications
7-Loan Contracts
8-Account opening agreements
9- Giving approvals for all Cash-Collateral loans

credit analysis officer at BLOM BANK
  • Lebanon
  • January 2016 to February 2018

 Seeking and identifying potential SME and corporate clients
 Achieving SME and corporate sales target
 Conducting client visits, following up and completing the client credit file
 Calculating the risk of the client credit files
 Carrying-out a feasibility study, studying and analysing financials of the client credit file
 Establishing budgets with the client and company
 Analyzing balance sheets and general ledger accounts

customer service representative at BLOM BANK
  • Lebanon
  • March 2012 to December 2015

 Generating sales for a portfolio of accounts
 Reaching the bank sales target
 Identifying new sales opportunities
 Opening customer accounts
 Maintaining customer records by updating account information
 Clarifying the customer's complaint by determining the cause of the problem, selecting and
explaining the best solution to solve the problem and by following up to ensure resolution
 Responsible for the following deliverables:
1-Incoming and outgoing transfers
2-Handling ATM operations and problems
3-Handling retail products and loans
4-Managing the collection agencies portfolio
5-Handling unpaid loans and debtor’s accounts
6-Tax payments

Education

Master's degree, Management
  • at Sagesse UniversitySagesse University
  • January 2011

Bachelor's degree, Management
  • at Sagesse UniversitySagesse University
  • January 2011

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Specialties & Skills

Trade Credit
Account Management
Compliance
Banking
CUSTOMER RELATIONS
BALANCE
BALANCE SHEET
BILLING
GENERAL LEDGER
MICROSOFT OFFICE
PROFIT AND LOSS
TAX PLANNING
Team Work
Follow up
teamwork
team leadership
operation
problem solving
marketing
implementing regulations and rules

Languages

Arabic
Expert
English
Expert
French
Expert

Training and Certifications

Lebanese regulation (Certificate)
Date Attended:
July 2016
BANKING ETHICS (Certificate)
Date Attended:
November 2018