Manager, Internal Shari’ah Control
Zitouna Bank
Total years of experience :5 years, 5 Months
Control: -Review Treasury Products and structured products. -Review agreements and contracts to be executed between Zitouna and external parties. -Support in facilitating Shari’ah resolution from Zitouna or its Executive Member. -Handle queries raised by Zitouna´s departments on the matters related to Zitouna products and services. -Review the mechanism of Profit & Loss Distribution Methodology . -Conduct Shari’ah screening for shares. -Review the annual Financial Reports. -Review Zitouna’s Marketing communications including campaign, events and brochures -Handle customer’s queries and complaints on Zitouna products and services. -Provide Shari’ah compliant structuring solutions to Zitouna stakeholders on the new standard products and services offering. -Conduct end-to-end review of Modus Operandi of New products and services in order to ensure no Shari’ah gaps prevail for future product offerings. -Reviewing the products and services process, manuals, procedures and New Product & Process Approval.
• Audit: -Plan Shariah audit engagements and prepare documents including Shariah Audit Planning Memo, Terms of Reference (TOR) and Risk assessment of the auditable entity for approval by Senior Management. -Conduct detailed walk-throughs with auditees for areas assigned and identify process/design gaps, deviation to documented process etc. -Actively engage in scoping meetings, conduct detailed walk-throughs of areas assigned and identify process / design gaps, deviation to documented process etc. -Perform / complete high quality, well-documented Shariah audit fieldwork in accordance with Internal Shariah Audit methodology within strict timelines. -Detect, analyze, evaluate relevant documentation, track errors in data provided, streamline Shariah non-compliance risk assessment. -Ensure to deliver quality, timely and well-documented Shariah audit fieldwork . -Prepare, review Shariah audit reports to confirm adequacy of Shariah audit coverage.
Identify customer needs and offer financing solutions.
Promote and sell products and services.
Manage and develop a portfolio of clients.
Identify financial risks (tax evasion, money laundering, etc.)
Follow regulatory developments, legal, specific to the banking sector.
