Self Employed - (August 2017 up to present) – Certified by MCI as Financial Consultant (License No 1
Financial and Fintech’s Business
Total years of experience :17 years, 11 Months
I joined BayanPay Company as a Risk Consultant for Fintech’s Business to deliver the following consultant services (i.e. from 04 November 2018 up to 11 November 2019).
Identifying and assessing the enterprise risks that may hinder the business to meet its strategic objectives, such risk would include: strategic risk, AML risk, reputation, operational risk, cybersecurity risk, unauthorized access risk and reputational risk across e-Wallet / digital payment services and products.
Analyzing and enhancing business workflow processes, risks facing business lines and recommend the required controls to be in place to mitigate those risks and enhance business profitability.
Optimizing Fund Allocation across integrated Banks’ Accounts to ensure cash availability to support business transaction flow.
Developing a comprehensive Dashboard Report and Risk Appetite Statement to monitor the business portfolio performance, and provide analysis and recommendations on how to rectify any risk breach. Also, we have proposed new products/services to be accommodated to the menu of Digital Payment Application to increase customer utilization rate and accordingly business profitability.
Basel Project Management, Compliance & Corporate Governance Head - Risk Management Group
Head Basel II Project Management
Business & Operation Audit Manager
Key Results Areas:
Working towards developing a risk-based internal audit plan across the company's business, and informing the
senior management of effectiveness of internal control and risk management systems.
Preparing annual risk-based audit plan focusing on key business risks and processes with input from relevant
stakeholders.
Ensuring that the system of internal control is compliant with Bank policy, plans, procedure, rules & regulations and
to perform risk focus audits.
Evaluating internal controls and identified risks & analyzing internal control gaps.
Utilizing audit objectives and procedures to review and assess the adequacy and application of internal controls
through corporate operations.
Recommending internal control improvements that may include operational enhancements or efficiencies, and the
preparation of audit reports as well as documenting controls.
Basel Project Management - Risk Management Group
Key Results Areas:
Facilitating the implementation of all Basel-II Project requirements, i.e. Credit Risk, Market Risk, and Operational
Risk (Pillars 1, 2 & 3) within the time-lines stipulated by SAMA, and act as point of contact for Regulator
SAMA/SIMAH/External consultants/vendors, if any, on implementation of Basel-II in the bank.
Implementing IRB Basel II Measurements and developing in house Credit Scoring Models.
Managing Data Pooling Project and Risk Rating System (Moody's).
Managing SIMAH - Consumer & Commercial Data Uploading Files and designing RARORAC model (Excel Sheet
Based) for assessing Customer Profitability.
Guiding in any necessary actions to be taken with respect to data cleansing or updating missing credit information in
the bank core system, or any credit risk system, to support accurate SIMAH data uploading.
Structuring/Formatting all Basel II regulatory reports, Project Plan (i.e. Credit, Market & Operational Risks),
including ICAAP, and ensuring that the same are prepared and submitted to the coordinator (Finance Dept.) as per
schedule.
Recognized and rewarded with certificate as Bank Al-Bilad Star Staff - 2013 for the outstanding performance in
Internal Audit Division.
Key Results Areas:
Managed project administration and streamlined existing products.
Evaluated and defined the business requirements to be accommodated into the CTF system.
Developed and managed Islamic products such as Shares Financing (Wattani) for the Trading Group.
Structured Statistical Portfolio Analysis Report and developed MIS reports to analyze portfolio and product.
Set Credit Scoring Card to be accommodated into the CTF system for minimizing the risk of early delinquency.
Handled Marketing of Islamic Financing Products, while spreading and analyzing Corporate Financial Statements.
Managed accountability for the write-up of Credit Approval Memorandum.
Functioned as part of the team in setting-up Manuals Process and Policy in accordance with Islamic principles for
consumer products, including Real Estate and Cars.
Involved in the structuring of an amortization schedule on the Excel Sheet.
Involved in the evaluation of Credit Application for credit limit approval.
Completed an empirical statistical study report for the purpose of analyzing the risk return tradeoff between
Samba’s Funds vs. market indices.
Ensured the allocating Funds to fit customers’ risk preference and expectation of return.
Saudi Investment Bank, s Account officers
Tasked with spreading &analyzing Corporate Financial Statements.
Prepared write-up of Credit approval Memorandum and prepared all required documentation for booking the
approved facilities.
Responsible for setting up an electronic Collaterals Valuation Report on the Excel Sheet to manage the adequacy
coverage ratio of secured facilities against borrowers.
