رانيا بيلوز

• Provided consultancy work in Risk and Finance to companies in the trading and
construction field.
• Advised on automation of invoice recording using PowerApps on Microsoft.
• Advised on key internal control processes.
• Advised on automation using macros thru VBA coding.
• Handled the sale and ownership transition of a retail company.

Reporting to the General Manager equivalent to CEO
Assistant / report: 1
Software used: Temenos-T24, FRAS, Oracle, MS tools
*Managed Daily, Monthly and Annual closing of the
financial books for Dubai, Abu Dhabi and DIFC branches
*Reviewed and validated regulatory reporting pertaining
to Central Bank of UAE, SAMA, VAT Authority and Head
Office, for timeliness, completeness and accuracy
*Managed the end-to-end financial accounting functions
(accrual, reconciliation, and controls)
*Collaborated with operation and treasury teams to
confirm correctness of bookings
*Completed pre-closing checks and handling exceptions
to validate the financial numbers
*Ensured business transactions are reported in
accordance with accepted accounting principles
*Led the Internal audit and external audit process,
prepared the draft of the audited yearly financial
statement
*Conducted monthly reconciliation of GL balances
*Managed the External Audit process and regulators
queries
*Submission of VAT filing and Income tax/accounting of
expenses and IFRS 9
*Prepared profitability and variation reports by business-
FRAS and estimate
*Ensured compliance with laws, regulations (ratios) and
SNB policy
*Reviewed accounting entries, budget and forecast
*Participated in the budget exercise by working with key
stakeholders to ensure that inputs and key drivers of
revenues and costs are aligned with the strategy.
Achievements at Saudi National Bank
* Implemented automation of regulatory reporting
based on Excel advanced tools and developed
financial models required in the reports
* Ensured quality and accuracy of data reporting and
meeting regulatory deadlines so no penalties were
accrued
* Ensured correct budgeting aligned with the Bank’s
strategy (using FRAS)
* Provided advice on new product program/transaction-
Accounting entries confirmation for funds, FX and
repo transactions
* Introduced Financial modelling for Basel reporting
CAR report and other new reporting for NPV (net
present value) and other new requirement by UAE
Central Bank
* Led the Internal audit and external audit process,
prepared the draft of the audited yearly financial
statement- replied to Central bank regulators queries
* Effectively collaborated with HO for proper
consolidation and SAMA reporting
* Was part of the team that successfully implemented
T24 and Oracle in Abu Dhabi and DIFC branches
* Monitored and reviewed performance against
budgeted target for each business unit taking into
account transfer pricing and cost allocation

• Managed comprehensive financial accounting functions, including 3 dailies, 3
monthlies, and 3 annual book closings for Dubai, Abu Dhabi, and DIFC branches.
• Maintained regular checks over accruals, GL reconciliation, and Internal controls.
• Reviewed and validated over 100 regulatory reports for the Central Bank of UAE, SAMA,
VAT Authority, and Head Office to ensure accuracy, completeness, and timeliness.
• Collaborated with operations and treasury teams to validate the accuracy of financial
bookings and ensure compliance with accounting principles.
• Led internal and external audit processes, preparing draft financial statements and
addressing audit findings.
• Conducted monthly reconciliations of general ledger balances and submitted detailed
VAT and IFRS 9 filings.
• Developed and analyzed profitability and variance reports, enhancing strategic
business decisions.
• Monitored budget execution and engaged in financial planning with key stakeholders to
align with business strategies.
• Oversaw the implementation of T24 and Oracle systems across branches, improving
financial and operational efficiency.
• Ensured regulatory compliance through meticulous financial modeling for Basel
reporting and responding effectively to regulator queries.
• Managed collateral processes for global markets and treasury, ensuring risk-adjusted
performance aligned with the banks business plans.
• Validated and processed margin calls using Murex, ensuring timely responses to
counterparties and resolution of disputes.
• Ensured the collateral management process adhered to bank policies, escalating
disputes as necessary and ensuring timely regulatory reporting.
• Streamlined collateral management to mitigate financial risk, ensuring optimal use of
assets.

• Automated regulatory reporting using advanced Excel tools, enhancing data accuracy
and meeting critical deadlines.
• Eliminated regulatory penalties through precise and timely reporting practices.
• Successfully implemented new financial models for Basel reporting and managed
financial entries for complex transactions like FX and repos.
• Facilitated smooth adoption of financial systems in Abu Dhabi and DIFC branches,
streamlining operations.

Collateral Management-Global Markets
Reported to the VP
Team size 4
Software used: Murex, Access
*Collateral Management for Global Markets and Treasury
*Implemented processes pertaining to Collateral Management for Global Markets and Treasury
*Ensured the achievement of the bank’s business plans by optimizing risk adjusted performance of Global Markets
*Validation of margin calls, seeking margin from counterparties and responding to their margin calls in a timely
manner using Murex platform
*Ensured all collateral disputes are escalated to the Head of Middle office and business operates within the
approved bank policy and regulatory reporting is performed in timely manner
Implemented Collateral management in an efficient way eliminating financial risk and collateral call

Reported to Chief Risk Officer
Software used: Bloomberg, Bankmate, Excel
*Implemented the Operational Risk framework for the
entire bank network of branches (5 branches)
*Established the risk Taxonomy, methodology,
techniques, Business Unit mapping, RCSA and Key Risk
Indicators
*Promoted Operational risk culture and awareness
*Participated in the review of policies and procedures
*Developed the annual business plan for operational risk
*Conducted mini-audits and surprise audits
*Developed the compliance matrix
*Developed financial models scenarios for Basel II
Macroeconomic requirements
*Developed and implemented financial models for Basel
III liquidity requirements (LCR)
*Reported ICAAP-Basel II to UAE Central Bank
*Implemented stress testing techniques
*Participated in the elaboration of the Business
Continuity Plan for the bank (BIA, Desktop testing)
*Developed and implemented middle office for Treasury
operations-collateral management and controls
*Validated margin calls as per legal agreements

• Developed and implemented the Operational Risk Management (ORM) framework,
covering risk taxonomy, business unit mapping, RCSA, and key risk indicators.
• Conducted mini-audits and developed a compliance matrix to ensure adherence to
regulatory and internal standards.
• Created financial models for Basel II and Basel III liquidity requirements, reporting
ICAAP findings to the UAE Central Bank.
• Implemented stress testing techniques and contributed to the banks Business
Continuity Plan in collaboration with Deloitte.
• Established middle office functions for treasury operations, focusing on collateral
management and risk controls.

• Successfully introduced the operational risk function as per Central Bank requirements,
enhancing overall risk management.
• Developed and trained department heads on risk processes, significantly improving
compliance and risk awareness.

Quebec Revenue-Income Tax Return Preparation (for Canadian residents) and for
Youth

• Managed the Escrow portfolio, implementing streamlined processes and robust policies
for operational efficiency.
• Prepared quarterly ICAAP reports and Basel II data submissions for the UAE Central
Bank.
• Actively participated in budget planning, aligning financial strategies with
organizational goals.

• Designed the full SOP for the Escrow process, improving workflow and compliance.
• Suggested and implemented several key controls to mitigate operational risks,
resulting in more secure banking operations.

Analyzed corporate credit requests (clients’ financial status) and recommendations