Krina Mae Tumbali

Work Accomplishments:

➢ Led the enhancement of the organization's Enterprise Risk Management (ERM).
➢ Authored the ERM Framework and Procedure.
➢ Developed the Enterprise Risk Register.
➢ Performed comprehensive internal and external audits on the effectiveness of risk management across various departments within RKH and its subcontractors.

Job Tasks:

➢ Guide the Risk Champions and Accountable Directors on the identification of new risks, determination of controls, and treatment plans to mitigate the risks.
➢ Guides the Risk Champions in the assessment, analysis, and evaluation of risks according to the set company criteria and risk appetite.
➢ Reviews and updates the Enterprise Risk Management Framework, Policy, Plan, and Procedure following ISO 31000:2018 on an annual basis. The same are presented to RKH Executives and Qatar Rail for their review and approval.
➢ Conduct assurance on the effectiveness of the risk controls and treatments.
➢ Prepares reports such as Management System Assurance Report and Risk Management Report on an operational, quarterly, and annual, and submits the same to Qatar Rail.
➢ Conduct periodic, quarterly, and annual risk reviews with the Risk Champions within the organization.
➢ Assist the subcontractors in their risk management.
➢ Identify the Top Risks within the organization.
➢ Schedule and conduct an Internal Audit following ISO 19011:2018.
➢ Assist auditees in preparing for audits and actively participate in Risk Management audits conducted by Qatar Rail, the Ministry of Transport, and certification bodies.
➢ Discuss with subject matter experts the corrective action responses to address non-conformance issues raised by Qatar Rail, the Ministry of Transport, and certifications bodies.
➢ Verify that corrective and preventative action and measures have been defined, realized, and are effective
➢ Support the establishment of RKH Qitarat's Business Continuity Management (BCM) by actively participating in discussions on Business Impact Analysis.

Work Accomplishments:

➢ Successfully aligned commercial operations with ISO standards by implementing robust quality assurance and risk management practices.
➢ Ensured compliance with ISO 9001:2015 by enhancing client coordination, monitoring subcontractor agreements, and managing resource utilization effectively.
➢ Led the training and supervision of billing staff, fostering a culture of continuous improvement and quality excellence, ultimately contributing to the organization's operational efficiency and customer satisfaction.

Job Tasks:

➢ Prepare and analyze commercial bid proposals and requests for quotations ensuring that customer requirements are clearly understood and addressed in the bid proposals and quotations.
➢ Gather information necessary for the preparation of commercial bid proposals.
➢ Conduct thorough risk assessments before engaging in bids and commencing awarded projects, ensuring potential risks are identified and mitigated to safeguard project success.
➢ Implement quality assurance practices to ensure billing accuracy and compliance.
➢ Detect and correct errors in the billing process to maintain high-quality standards.
➢ Ensure effective communication and negotiation with clients to meet quality documentation requirements.
➢ Oversee the accuracy of legal documents and ensure compliance with quality management system requirements.
➢ Assist in approving protocols, ensuring alignment with quality assurance policies
➢ Monitor and control bid proposals and project budgets to ensure they meet financial and quality objectives.
➢ Prepare and coordinate all requests for payment by subcontractors, ensuring adherence to SLAs and quality expectations.
➢ Train and manage billing staff, focusing on quality assurance and continuous improvement.
➢ Monitor updates or status of Bid proposals.
➢ Timely review of the project budget.
➢ Resolve complex billing issues.
➢ Manage availability and verification of materials and prepare necessary documents.
➢ Assign appropriate strategies to personnel, and oversee deliverables.

➢ Coordinate/monitor compliance/implementation of Freeze Order
➢ Coordinate with Business Units the identification/approval of Related Account (RA)/ Materially-Linked Account (MLA) of Freeze Order respondent/s.
➢ Respond to queries and other communications from various Busines Units (BUs) pertaining to AMLA and FATCA requirements
➢ Prepare letter/correspondence to regulators and concerned BUs on the submission of AMLC requirements specifically on KYC and Bank Inquiries.
➢ Updating of Money Laundering and Terrorist Financing Prevention Program (MLPP) and AMLD Operations Manuals
➢ Coordinate, consolidates and submits AMLCS requirements and responses to BSP Advance Findings on AML.
➢ Respond to AML Due Diligence/Questionnaire and other AML- related communications from Correspondent Banks
➢ Assist in the facilitation of the conduct of BSP/AMLCS visitation/ examination
➢ Prepare AML Compliance Nuggets
➢ Update the Self-Responded AML/KYC Questionnaire posted in the LBP Website
➢ Update the Wolfsberg Questionnaire and U.S Patriot Act
➢ Maintain Database of Responses to AML/KYC Questionnaires
➢ Assist in consolidating updated/responses to BSP directives
➢ Prepare/submit reports to the AML Committee on significant AML issues/developments and initiatives
➢ Maintain files of the Unit
➢ Perform other duties as may be assigned from time to time

Prepare and analyze commercial bid proposals and requests for quotations ensuring that customer requirements are clearly understood and addressed in the bid proposals and quotations.
➢ Gather information necessary for the preparation of commercial bid proposals.
➢ Conduct thorough risk assessments before engaging in bids and commencing awarded projects, ensuring potential risks are identified and mitigated to safeguard project success.
➢ Coordinate and negotiate with the client’s representative about the commercial bid proposals, project deliverables and documentation requirements.
➢ Monitor updates or status of Bid proposals.
➢ Review Contract, Board Resolution and any other related documents between the organization and supplier.
➢ Prepare Bill of materials for every project/P.O. to Accounting for reference.
➢ Prepare Notice of Shipments to Logistics Group.
➢ Source out suppliers that gives value added benefits to the company.
➢ Record summary of warranty expiration both for clients and suppliers.

Evaluated members’ loan eligibility by conducting risk-based assessments on their net take-home pay.
➢ Processed loan applications for members of the Armed Forces of the Philippines (Air Force, Navy, Marines, and Retired AFP).
➢ Analyzed account ledgers to assess financial stability, ensuring accurate computation of surcharges and interest rates.
➢ Coordinated with branch offices to address compliance, financial discrepancies, and risk-related concerns.
➢ Monitored loan disbursements and prepared daily reports on gross and net loan releases.
➢ Conducted periodic risk analysis on loan receivables to identify potential default risks and ensure financial sustainability.
➢ Submitted loan insurance registrations weekly to mitigate financial exposure and protect institutional assets.
➢ Prepared checks, promissory notes, and financial documentation for approved loans while ensuring compliance with lending regulations.