Momen ALQubbaj

A group of companies operating across the Middle East, with diversified business activities spanning
FMCG (including tobacco and molasses manufacturing), pharmaceutical manufacturing, healthcare,
construction materials, food & beverage, and restaurant operations.
- Developed the full spectrum of internal audit functions, ensuring alignment with Global Internal Audit
Standards, regulatory requirements, and enterprise-wide risk priorities, transforming the audit department
into a trusted strategic advisor to executive leadership.
- Developed and executed a risk-based audit plan aligned with corporate strategy and approved by the
Audit Committee, assessing governance, risk, and control frameworks across the organization,
identifying inefficiencies, and recommending improvements to enhance operational performance.
- Delivered clear, strategic audit reports for senior leadership and board committees, evaluating the
effectiveness of internal control systems to prevent errors and fraud, and ensuring audit activities
supported long-term organizational objectives and risk-informed decision-making.
- Conducted comprehensive risk assessments and designed risk-based audit programs to address
identified risks.
- Acted as a strategic advisor to senior management, providing consultative support on policy design,
control enhancements, and process optimization, fostering a culture of continuous risk awareness, and
delivering insights that influenced key business decisions.

Lead and develop risk-based internal audit plans covering financial, operational areas across multiple client sectors.
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Execute financial, operational, and advisory audit engagements, ensuring alignment with client objectives and international standards.
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Prepare and present executive audit reports and strategic recommendations to the Audit Committee and senior management.
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Evaluate governance, risk management, and compliance frameworks (GRC) in line with IIA IPPF 2024 and COSO Framework.
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Conduct risk assessments and develop risk-based audit programs to address identified risks
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Supervise and mentor multidisciplinary audit teams, enhancing technical and professional competencies.
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Review client policies and procedures, providing actionable insights to improve efficiency and reduce risk exposure.
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Apply data analytics tools to detect control weaknesses, anomalies, and potential fraud indicators.
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Build strong client relationships and deliver value-added advisory services that drive sustainable improvements.
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Support executive leadership in strategic decision-making based on audit insights and risk analysis.
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Ensure full compliance with local regulations and international auditing and governance standards.

• Led and managed the full internal audit function in alignment with IPPF 2024, regulatory requirements, and enterprise
wide risk priorities, firmly establishing the audit department as a trusted strategic partner to executive leadership.
• Designed and executed an Audit Committee-approved risk-based audit plan aligned with corporate strategy,
encompassing the assessment of governance, risk, and control frameworks across the organization, identifying
inefficiencies, and delivering remediation recommendations to enhance operational performance.
• Prepared and presented executive-level audit reports to senior leadership and board committees, incorporating
evaluations of internal control effectiveness in preventing errors and fraud, in direct support of long-term organizational
objectives and risk-informed decision-making.
• Conducted in-depth risk assessments and designed tailored risk-based audit programs addressing each identified risk
area, enhancing control coverage precision and overall audit effectiveness.
• Advised senior management on policy design, control enhancements, and process optimization, embedding a risk-aware
culture and shaping key business decisions.

Progressively promoted from Internal Auditor to Senior Internal Auditor, culminating in the role of Assistant Manager -
Internal Audit
- Managed complex audit operations across branches and departments within multiple regulatory frameworks, designing
comprehensive audit plans grounded in approved risk appetite and internal control frameworks, while embedding a
culture of accountability and continuous improvement.
- Oversaw field audit activities ensuring strict adherence to internal audit methodology and IPPF, and collaborated with
senior leadership to assess enterprise-level risks and develop effective mitigation strategies.
- Led the transition to a risk-based audit approach, fostering a culture of accountability and compliance, and aligning audit
outcomes with the organization's operational and strategic objectives.
- Reviewed organizational policies and procedures within an internal audit consulting framework, verifying regulatory
compliance and the effectiveness of internal controls in mitigating risks and strengthening the overall control
environment.

• Handled customer inquiries and resolved complaints promptly and professionally, consistently delivering a positive and
high-quality client experience.
• Supported daily banking operations with precision, including processing financial transactions and addressing product
related inquiries accurately and efficiently.
• Promoted bank products and delivered cross-selling services tailored to customer needs, contributing to the achievement
of branch business objectives.
• Maintained accurate records and ensured full compliance with KYC, AML, and internal banking policies, reinforcing a
sound and reliable control environment.
• Collaborated with cross-functional teams to enhance customer satisfaction and improve the efficiency and flow of service
delivery operations.

• Served as the strategic liaison between operational departments and regulatory bodies, ensuring all procedures met legal,
procedural, and reputational requirements, and embedding a strong compliance culture through purposeful training,
continuous monitoring, and proactive risk mitigation.
• Implemented controls to prevent the misuse of financial services for money laundering and terrorism financing, ensuring
full company compliance with applicable laws, regulations, and financial and microfinance sector guidelines.
• Prepared and submitted accurate compliance reports to regulatory authorities within prescribed deadlines, and regularly
reviewed internal policies and procedures to ensure ongoing alignment with evolving regulatory requirements.
Conducted customer identity verification and risk-based assessments to detect fraud and mitigate financial crime exposure.