Internal
Audi
Total years of experience :17 years, 8 Months
Draft the LOR (letter of representative) for inter- departmental operations
in order to gauge the compatibility of work flow with organizational
policies and procedures.
• Discuss the findings with the Audit team prior to the risk assessment and
action initiation.
• Prepare the weighted risk score for each department in order to assess
the scoring from moderate to critical risk.
• Conduct monthly cash count for the company in order to consolidate the
system and cash on hand balances for all currencies.
• Conduct a random sampling test for payment vouchers and confirm the
compliance with invoices, approvals, and proper accounting entries.
• Set up the audit plan with proper timing to execute it in addition to
highlighting the issues that have to be tackled at each department.
• Review of the staff job and compatibility with their educational
background and experience.
• Investigate about suspicious payments especially when no supporting
documents are incorporated.
• Check out claim payments and their approvals and survey results
credibility.
• Prepare and present reports that reflect audit results & communicate the
results to management.
- Group Internal Audit & Procurement in charge
Assessed clients’ risk management profile.
• Managed and maintained the existing company portfolio of client base.
• Monitored all insurance-related policy renewals.
• Researched insurers to find the most suitable insurance for clients at the
best price.
• Assembled special types of insurance cover in complex cases.
• Debugging human errors.
• Devised new ways to mitigate risks.
• Ensured clients’ awareness of policy coverage in line with their industry.
• Amended policy conditions, terms & exclusions when required.
• Counsel clients on their policy claims.
• Supervised other departments in acquiring new clients.
• Developed relationships with underwriters, surveyors, and other
professionals.
• Keeping up-to-date with changes in the insurance market.
Achievements:
• Successfully recovered bad debt expenses of the company through
follow up on each and every customer account for the amount of USD
150, 000/-.
• Landed 2 new contracts that were worth of almost USD 2 million.
• Maintained the portfolio of existing customers which was worth around
USD 30 million.
Submitted weekly progress reports and ensured claims were accurate.
• Ensured that policy limitations and deductibles are entered within the
company’s database.
• Authenticated that the table of benefits is circulated to medical
providers.
• Tracked record activity on medical claims.
• Liaised with insurance companies to improve patient medical share.
Underwritten all types of insurance lines in collaboration with the Hub at
DIFC for (property all risks, casualty, workmen compensation, and the
like).
• Provided quotes, underwritten new business, endorsements and
completed workload in a timely manner.
• Performed modelling techniques on clients to establish premium rates.
• Made physical inspections and analyzed other related underwriting data
to determine risk levels for new policies.
• Interacted with Dubai International Financial Center for new queries that
are beyond the branch’s authority.
• Appealed to customers’ problems & resolve them.
• Communicated with international brokers for Global insurance renewals.
• Ensured timely premium payments with brokers &/or customers
• Provided assistance to accounts in collecting outstanding premium
payments.
• Declined excessive risks.
• Decreased value of policy when risk is substandard.
• Evaluated possibility of losses due to catastrophe or excessive
insurance.
• Scrutinized documents to determine degree of risk from such factors as
applicant financial standing and value and condition of property.
• Reviewed company records to determine amount of insurance in force
on single risk or group of closely related risks.
• Analyzed financial data
• Evaluated degree of financial risk
• Followed up on contract, property, or insurance laws
• Gathered relevant financial data
• Identified financial risks to company
• Reviewed data on insurance applications or policies
• Supervised subordinates in the underwriting section, and the writing of
policy terms and conditions.
• Managed the product brochures and arranged with printing houses for
editing the articles when needed.
• Developed strategic messaging system to be delivered across all clients
Achievements:
• Preserved good connections with brokers that led to new projects
insured and were almost worth of USD 3 million.
• Handled customer enquiries that were good enough to maintain them for
further business renewals.
• Prepared for customers’ requirements in advance and was compliant
with deadlines.
Prepared the standards (required equipment, new machines, etc…) for
the existing and new store layouts.
• Sourced and purchased fixtures for all outlets.
• Followed-up with finance for supplier outstanding payments.
• Organized shipments of machinery to various company destinations.
• Supervised all required equipment for corporate & country branches’
projects.
• Managed all new store projects & ensure operations are implemented
properly.
• Supported in drafting strategic guidelines, policies and SOP's for store
layouts & Plano-gramming, visual merchandising, rentals and shop
fitting.
• Coordinated with the operations team to avoid any delays.
Achievements:
• Prepared daily and monthly reports utilizing Microsoft excel and word
• Prepared employee schedule, performance reviews, and trained and
coached new and existing team members.
• Handled employee relations, attendance and leaves and ensured all
health and safety regulations were properly implemented.
• Ordered and received products and performed regular monthly inventory
and maintained food cost and maintained weekly maintenance as
needed and processed preventive maintenance.
Reviewed and analyzed the new insurance application requests.
• Generated automated system reports to review renewals, claims status,
and advised clients &/or brokers accordingly.
• Liaised between the agents and the clients regarding loss ratios and
retention issues.
• Followed- up with Medical & group life claims.
• Prepared medical quotations for new leads.
• Negotiated with clients’ required insurance coverage.
• Sustained accurate records of discussions or correspondence with
customers.
• Supported sales team in yielding new prospects.
• Written to field representatives, medical personnel, and others to obtain
further information, quote rates, and explained company underwriting
policies.
• Offered competitive rates to clients’ to win the business.
Achievements:
• Handled customers’ needs and inquiries (by phone, in-person, fax or
email); managed and resolved complaints in a timely and professional
manner.
• Confirmed orders and offered suggestive selling and after-sales service
resulting in repeated business.
• Ensured that all guests’ correspondence were handled appropriately
while maintaining guests’ satisfaction.
Take the workload off colleagues and allowing them to focus on
improving projects.
• Handling bank clients’ demands and attending to their requests.
• Help with administrative tasks that are vital to meeting deadlines in
favour of processing loans on time for clients who are in urgent need for
money.
• Work under the direct supervision of Sales team leaders to schedule
sales team appointments with clients.
• Organizing internal team meetings and alerting team members about
pending duties.
• Sorting emails by importance, making copies, running errands,
preparing documents and organizing electronic files.
• Opened accounts, processed credit card applications, & established
loans’ calculations for the customers.
• Provided a methodology to identify and analyse the financial impact of
loss to the bank.
• Prepared risk management and insurance budgets and allocated claim
costs and premiums to departments and divisions.
• Maintained records including insurance policies, claim and loss
experience.
• Assisted in the review of major loan applications.
• Insured that claims are being settled fairly, consistently, and in the best
interest of the entity.
• Provided information necessary for the risk manager to review and
identify loss exposures.
Achievements:
• Over delivered on sales targets and ranked top 3 best sales men.
• Trained new sales associates to deliver quality customer service and
target sales.
• Increased sales by 15% through developing direct marketing
campaigns.
International Exposure through the company’s branches in Lebanon,
UAE, & Afghanistan.
• Devised wide data integration and inventory management system in the
company wide data.
• Found the local Kuwaiti branch alongside with the branch manager.
• Implemented & managed the stock & accounting system
• Handled all the financial activities while acting as an in-charge office
manager.
• Prepared company ledger accounts and financial consolidation.
• Developed market penetration strategies while cutting overhead cost,
minimizing cost & maximizing profits.
Achievements:
• Landed a big contract for selling generators to Iraq.
• Increased the company shares in the Kuwaiti market through closing up
sales deals with clients.
Accounting II, Cost Accounting, Business Law, Intro. to Management, Intro. to Marketing, Senior Management, Micro Economics, Macro Economics, Management Information System, Business Statistics, Organizational Behaviour & Computer Literacy.
in
, Management Leadership. Financial Management, Quantitative Methods in Business, Research Methods in Business, Human Resource development (HRD), Commercial Bank Management,
, Management Leadership. Financial Management, Quantitative Methods in Business, Research Methods in Business, Human Resource development (HRD), Commercial Bank Management,