سفيان سعيد

Manage a team to develop and prepare weekly Liquidity ALCO financial review updates for executive members, including:
- Forecast cash flow for strategic planning of capital markets issuances, such as EMTNs, AT-1s, and Bespoke Lending.
- Engage in the attribution of NII and NIM through cost of funding, asset yield, deposits behavior models, balance sheet composition and
interest sensitivity impact, along with calculating of regulatory ratios: LDR, LR, NSFR, and LCR.
- Perform comprehensive liquidity gap and duration analysis, hedging, repricing and maturity mismatches.
- Carry out comparative cost analysis among funding swaps, interbank takings, private placements, repos, and EMTNs.
- Collaborated with the CFO, CEO, and executive members to streamline and perform activities about investment, treasury, and ALM, along
with analyzing interest and FX risks and balance sheet-related exposure.
• Contribute to managing Liquidity risk and IRRBB framework by examining quantitative financial and statistical data:
- Led IRRBB framework in accordance with regulatory guidelines, including the development of policies and procedures.
- Conduct a monthly IRRBB assessment by subjecting rates to stress for optimal impact on EVE and NII.
- Implemented NMD(CASA) behavior model for forecasting deposit dynamics within IRRBB framework.
- Report limit utilization and contribute to scenario analysis by leveraging historical data for impact.
- Enforced optimal practice to mitigate liquidity risk and trading P&L impact, such as value at risk (VaR).
• Conduct bank-wide funds transfer pricing (FTP) analytics and reporting:
- Finalize monthly FTP computation and distribute to business partners based on assets/liabilities utilization.
- Assess FTP methodology model, revamp liquidity premium rates, and adjust pricing via formulation of custom spreads.
• Offer oversight in performing analysis, reporting, and MTM valuations of the investment portfolio, OTC derivatives, FX P&L:
- Carried out P&L, hedge effectiveness, and valuation analyses of all on/off balance sheet FX and OTC derivative positions.
- Made FX P&L currency pair breakdown analysis among FX trading income, FX investment income and remittance income.
- Performed swap cost and USD exchange house analyses and reported results at the business segment level.
- Served as a focal point of contact to resolve queries in preparation of compliance, audit and regulatory reporting

Coordinated and administrated control practices across diverse trading desks including derivatives, capital markets, FX, and
money markets, ensuring an aligned approach to financial control within the treasury function.
• Collaborated closely with trading teams, validating strategies, positions, and transactions while offering valuable financial
insights, in-depth analyses, and assessments of trends and performance for informed decision -making.
• Proactively reported on financial risks related to interest rates, FX, and liquidity, implementing effective risk mitigation
strategies in collaboration with market risk, counterparty risk and ALM teams.
• Played a pivotal role in enhancing funds transfer pricing (FTP). Led the oversight of pricing methodologies across all FTP
processes, proactively identifying and resolving discrepancies to optimize financial outcomes.
• Led the management of collateral transactions including validating and oversight of margin calls. Significantly mitigated
counterparty risks through a systematic approach, ensuring the financial integrity of transactions.
• Developed frameworks, procedures, policies, and business model requirements to execute various projects, such as European
market infrastructure regulatory initiatives, credit support annex, establishment of special purpose vehicle for netting
cashflows, and system upgrade projects.
• Reviewed treasury products, reconciled, resolved discrepancies, enacted trade exceptions, identified cash flow mismatches,
and presented risk mitigation measures for streamlined financial operations.

Supporting the development of credit control policies, aging reporting and the credit cash cycle for use in a range of tasks, such as credit management and analysis, property evictions and matters arising at small claims courts.
Representing the company at the Landlords and Tenants Board, upholding a professional and authoritative manner.
Analyzing changes in payment patterns and proposing mitigating action in order to prevent indebtedness of clients.
Adhering to the financial control frameworks, accountabilities and authorities, to ensure full financial control.
Building effective working relationships with external solicitors, collection agencies and credit reporting agencies.
Preparing monthly reports on projects, bad debts and write-offs, as well as examining company A/R carrying cost.
Maintenance of accurate records and files, including records of wages, bank accounts and property garnishments against evicted tenants, as well as updating accounts.