Financial Specialist
المياه الوطنية
مجموع سنوات الخبرة :12 years, 4 أشهر
Analyzing financial statements to determine the financial position of the organization.
Continuously perform cost analyzes and valuations.
Preparing periodic reports for budgets.
Developing financial models while observing the legal conditions and rules.
Participate in regular audits and recommend corrective financial action plans.
Design and review financial policies.
Determine the available investment opportunities.
Advising the Senior Management Team on financial planning.
Create predictive models based on current and past financial results.
Establish / maintain a specialized internal audit capability to evaluate and ensure that all Cash Services staff at Branch, Cash Center and equipment are fully compliant with relevant policies, procedures, guidelines and Instructions (both ATM and CIT Services)
Develop and maintain audit templates that are aligned with relevant operational governance
Develop and maintain audit programs and manage compliance assurance against agreed targets with senior management in Cash Services.
Ensure the electronics equipment are working with no error.
Develop and maintain the electronic lock and ensure integrated with IVR System.
Update the dashboard of Mzoon System to MD.
Risk and compliance assessments conducted to cover the following:
Branch Audits
Cash Center Audits
Unseen Inspections (covert observation of compliance during ATM- / CIT services)
Operating Limit compliance by CIT and ATM teams
Special audits (Firearm compliance / Vehicle compliance / Key Control / MOI compliance, etc)
Manage Bi-annual Self-Assessment on Mandatory Security Principles (MSP) that is pre-scribed by Group Security
Responsible to ensure that the responsible staff on Cash Services action and make effective risk remediation progress with relation to the following Risk Reports:
o Incident / Loss Report Findings
o Group Security Audits
o Group Compliance Audits
o Insurance Audits (Lowers & Associates, etc)
Plans financial audits by understanding organization objectives, structure, policies, processes, internal controls, and external regulations; identifying risk areas; preparing audit scope and objectives; preparing audit programs.
Service Manager
Samba Financial Group, September 2014 - December 2017
overseeing the efficient operation of the branch to ensure all operational functions are completely and properly performed by the staff while conveying a feeling of trust, service, security and satisfaction to customer and staff.
Main Responsibilities:
• ATM replinishment
• Ensures the branch and vaults are opened and closed on a timely basis.
• Enforces dual control procedures at all times.
• Facilitates teller buys and sells to the vault.
• Audits teller drawers.
• Maintains monthly branch efficiency logs.
• Assists new tellers with training.
• Oversees teller duties and assists line with customer transactions during peak periods.
• Keeps staff informed of pertinent changes in operational policy and procedures.
• Schedules tellers for adequate coverage at all times.
• Performs pre-audits to ensure ongoing adherence with compliance procedures.
• Maintains proper teller and vault cash levels, including ordering coin and currency.
• Review branch practices and record for compliance with established internal policies and procedures.
• Develop recommendations for improving internal controls, operating efficiency, and the adequacy of bank records and recordkeeping.
• Main point of contact for all cash deposite / withdrawal with SAMA.
Bank Teller / Head of Tellers
Samba Financial Group, November 2010 - September 2014
• Receive checking and savings deposits: verify cash and endorsements, receive proper identification for cash
• back and issue receipts of deposit.
• Examine checks deposited and determine proper funds availability based on regulation requirements and
• complete hold notices.
• Process savings withdrawals. Cash checks: verify endorsement, receive proper identification and ensure
• validity.
• Identify counterfeit currency.
• Answer basic customer inquiries regarding interest rates, service charges and account histories whilecomplying with disclosure requirements, regulations and consumer privacy policies.
• Cross-sell bank products and services.
• Issue personal money orders and cashier’s checks, accept orders and payment.
• Buy and sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded.
• Balance and update savings passbooks and close accounts when requested.
• Balance drawer daily, including periodic batching of cashed checks.
• Maintain appropriate currency logs.
• GL processing
• Petty cash, Debit & credit notes processing
• AP & AR
• preparing and finalizing the bank statement
• Review collection reports to ascertain status of collection and balance outstanding and to evaluate
• Effectiveness of current collection policies and procedures.
• Audit delinquent accounts considered to be uncollectable; ensure maximum efforts have been taken before assigning bad credit status to account.
• Review adjustments to accounts.
• Monitor the percentages of aged accounts.