Mohamed Refaat El Zanfally

Manage credit, market and operational risks
Develop risk polices ana procedures
Manage liquidity and interest rate risks
Manage concentration risk
Manage business continuity plans
Manage outsourcing risks by sitting up an outsourcing policy
Review all contracts from risk perspective
Develop loss incident database, RCSA and KRIs
Prepare the risk appetite statement and monitoring it periodically
Member in board risk committee and credit commitee

Blom Bank Egypt as Operational Risk Supervisor my responsibilities are:

• Aggregating and analyzing risk events reported by the business units into the Basel 2 categories.
• Performing root cause analysis on identified risk events to recommend improvements to prevent these risk events from re-occurring in the future.
• Monitoring the implementation of action to ensure proper implementation to operational risk recommendation and prevent re occurrence.
• Analyzing identified trends in the key risk indicators reported to risk management.
• Assisting the principle risk owners and principal risk coordinators with the identification of key risks and mitigating controls in their business units as well as action plans to address any gaps in the mitigating measures identified.
• Assisting in risk and control self assessments workshop preparation and listing the key risk factors in the product or procedure undergoing the analysis.
• Monitoring the implementation of action plans to address medium red key risks on the risk and control self-assessment/risk registers.
• Assisting the operational risk manager in preparing reports to the operational risk committee, executive management team and risk board committee.
• Participate in developing the business continuity plan (BCP).
• Assists in developing the operational risk policies and procedures.
• Examines all new products proposals and provides comments and recommendations regarding the operational risk implication and the adequacy of proposed policies, systems and controls.
• Evaluates the proposed control environment of new contracts and recommends improvements.
• Examines all the customer complaints and provides comments and recommendations from operational risk perspective.
• Promotes the role of operational risk throughout the bank.