Khaleefa Al Marzooqi

• Act as single interface between business channels and regulatory to ensure regulatory guidelines
are being met.
• Interface with corporate Audit, Risk and compliance teams to set up effective risk management
practices across channels.
• Set and oversee the overall governance of business division, ensuring proper management
visibility and action on both strategic and operational matters are undertaken.
• Custodian of all Customer & Channel Policies ensuring effective management, awareness,
archiving and periodic reviews to ensure relevancy, improve compliance and minimize exposure.
• Lead the development of business policies to mitigate risks and channels exposure in line with
company governance, risks and compliance frameworks.
• Oversee and monitor the execution of regulatory, audit, compliance and risk demand ensuring all
demand is supported by effective action plans and completed within committed timelines.
• Assist business leadership in the design and development of controls to manage risks and
compliance requirements
• Identify and monitor known and emerging issues affecting the business
• Facilitate forums between business Heads & cross functional Steering to discuss performance,
challenges, risk, new requirements, market dynamics.
• Facilitate and oversee the implementation of the store design and channel transformation
programs.

• Resolving non-compliance notes to avoid any regulatory potential fines
• Report & investigate any issues which might impact enterprise compliance to senior management
along with compliance proposal
• Identify process gaps which impact compliant with regulatory policy and propose short term &
long term problem solutions (i.e. Automation, process enforcement, training….)
• Identify and highlight risk areas and work closely with relevant stakeholders to ensure that there
are immediate actions to mitigate customer impact and work towards end-to-end resolution
• Manage registration campaigns for all enterprise customers.
• Familiarize business users on regulatory requirements and share any policy update

• Acted as the central point for all projects and initiatives within the Personal Banking Group,
providing regular updates to PMO and ensuring alignment with strategic goals.
• Review new processes, BRDs, and products to identify inherent risks and establish effective
controls; conducted annual policy/procedure reviews and branch visits to ensure compliance.
• Promoted a strong risk culture by embedding the Three Lines of Defense model and supporting
adherence to the Banks Internal Control Framework.
• Led execution of RCSA (Risk & Control Self-Assessment), investigated operational risk incidents,
and followed up on corrective/preventive actions.
• Managed monthly and annual KRI (Key Risk Indicator) submissions and supported proactive
resolution of external audit recommendations.
• Oversaw risk issue tracking and validation, ensuring timely closure and proper documentation.
• Developed fraud and compliance risk scenarios, identifying gaps and driving action plans to
mitigate risks.
• Supported efforts to reduce operational losses and ensure consistent deployment of controls
across the Control & Supervision team.
• Maintained departmental standards and policies, including incident management, regulatory
change, and ethical conduct in line with the Group Code of Conduct.

• Advised senior management on personnel practices, employment laws, and HR policies,
ensuring alignment with legal standards and strategic objectives.
• Led the development, implementation, and continuous improvement of HR policies, processes,
and systems, ensuring compliance and operational efficiency.
• Oversaw employee relations activities including grievance handling, disciplinary actions,
hearings, and conflict resolution, providing strategic recommendations to leadership.
• Delivered employee relations analytics and reporting to senior management; collaborated with
Legal to mitigate risks and ensure consistent guidance across HR teams.
• Played a key role in embedding the new HR operating model and driving automation and system
enhancements.
• Managed a team of 10, ensuring high performance, compliance with internal standards, and
effective incident and change management.
• Conducted branch visits with HR leadership to resolve employee development and career-related
issues.
• Maintained proper documentation, filing systems, and departmental reporting.

• Provided operational support to all retail branches, ensuring alignment with bank policies,
procedures, and service standards.
• Acted as a central coordination point between branches and head office departments to resolve
operational issues and streamline communication.
• Monitored branch performance metrics and conducted regular visits to assess compliance,
service quality, and operational efficiency.
• Supported the rollout of new products, services, and system enhancements across branches,
ensuring readiness and staff training.
• Assisted in resolving customer complaints escalated from branches, ensuring timely and effective
resolution.
• Participated in the development and implementation of branch-level SOPs and process
improvements.
• Ensured proper documentation, reporting, and follow-up on audit findings and operational risk
issues.
• Played a key role in supporting new branch openings and relocations, coordinating logistics and
operational setup

- Retail Banking Group