Head, Business Process Management
Bank Al Etihad
Total years of experience :22 years, 5 Months
•Started gradually taking over the department activities, providing key initiatives for infrastructure maintenance and preparation for a new phase to streamline department activities in order to meet the expected level of performance in the light of rabid change and increasing business needs for procedures manuals and related matrices and documentation.
•Restructured the BPM Org Chart to serve the department needs and support middle management role in succession plans.
•Conducted a high level gap analysis, measuring the bank’s stock of manuals (listing all manuals, instructions, circulars, policy and procedures documents which were approved & populated), This has helped the top management to identify the size and count of manuals needed to complete the full system of policy and procedures manuals in line with the Bank’s strategy and regulatory requirements. In 1 Year to the gap was reduced to from 66% to 36%)
•Developed an activity log, tracking and reporting tool as the department activities were registered in separate excel sheets maintained by each department staff. This has developed a planning tool, and a method to adhering to prioritization policy.
•Dedicated a resource for each business line (Retail, Corporate, SME, Treasury, Operations, IT, Etc.) achieving a better learning curve and higher level of efficiency,
•Reengineered the BPM manual and organized the Bank’s master directory of all manuals of P&Ps.
•Have accomplished a comprehensive action plan to fully rectify the situation of the bank forms. (eliminated 137 forms)
•Served the Policy and Procedures annual update and revision plan, achieving the Business Targets.
•Managed the update process of policy and procedures documents all across the bank's business units as well as the review cycle, ensuring the coordination with different stakeholders
•Assured full compliance of bank's policies and procedures; in line with regulations of the Saudi Monetary Agency, Saudi Capital Market Authority and other regulatory instructions.
•Coordination of Central Operations Business Continuity Plans Including the Documented Plan, Data Gathering, Call Tree Development & Conducting Awareness Sessions
•Agreed on KRIs Reporting Mechanism to Operational Risk Department
•Developed management dashboards for Operations.
•Developed Productivity Vs. Errors Reports for both Shared Services and Personal Finance Operations
•Cleaned up GL and Suspense Accounts Resulting in Closure of more than 18, 000 Unused Accounts.
•Took Over 184 GL and Suspense Accounts’ reconciliation on daily basis together with the needed reporting, escalation and coordination with Finance Department
•Submitted several BRDs to impose preventive controls on the core banking system in terms of the following (the value & number of finance installment cheques in a matter which represents the terms and contracts signed by customers, age limitations, preventive control on finance disbursement duplications, DSR calculation, Takaful premium calculation)
•Saved the Bank’s from Dealer’s Commissions reducing costs by QR 700, 000 / Year.
•Reviewed and ensured the standardization of the bank’s policies & procedures manuals including; Risk manuals, Finance, Central Operations, Retail Banking, Corporate Banking, Corporate Governance, Information Security, Administration, Human Resources, Product Development, Compliance, Anti-money Laundry, Internal Audit manual covered in more than 850 business processes and policies documents.
•Grouped all fees and charges within a comprehensive standard table covering the bank's products and services.
•Finalized the authority matrix; Credit, Administrative, Financial, Investment and IT systems matrixes and limits.
•Developed more than 280 bilingual standard forms and Islamic Finance contracts.
•Represented QIB in front of the Credit Bureau of Qatar for fulfillment and regulatory, technical requirements. Conducted testing of the Credit Bureau reporting system and managed several data cleansing projects. Honored for standing QIB for first ranked in terms of quality and completeness of data submitted to the Credit Bureau among all local banks in Qatar. (Data Accuracy Score of 99.82% for Retail and 97.52% for Commercial customers)
•Coordinated & facilitated pre-IPO arrangements and managed several IPO projects.
•Imparted expert inputs to clients to formulate and implement policies and procedures.
•Advised proper implementation of Internal Control systems.
•Provided consultancy to identify and analyze problems or opportunities and recommended solutions or suggest actions with respect to issues.
•Assisted clients to improve the use of their capabilities and resources to achieve business objectives.
•Efficiently drafted a full manual of control policies & procedures for the Saudi Post different sources of revenues covering main 7 areas of revenues with more than 30 control business processes and 10 standard forms
•Documented the Saudi Post “Point of Sales” system user manual.
•Assured full compliance of company policies and procedures; followed regulations of the Saudi Capital Market Authority.
•Designed standard forms and stamps that served amendments on different processes.
•Executed business processes reengineering tasks and implemented KYC requirements.
•Worked with a consultancy firm to execute and implement a comprehensive restructuring program aimed at complying with company structure of the Saudi Capital Market Authority regulations and laws. This included drafting 80 business processes which covers; Administration and HR, assets management, corporate finance, compliance monitoring and code of conduct, AML and disaster recovery plans.
•Participated in filling the Capital Market Authority license application, fulfilling its mandated attachments.
• Began as a teller and was quickly promoted to Quality Assurance Officer.
• Contributed to setting time-related quality standard for different business processes which were executed in the bank’s branches.
•Presented the Oracle Data Warehouse System in front of the bank's steering committee.
•Drafted more than 370 business processes along with its policies covering branch management, cheque clearing, collections, HR, procurement and suppliers relations, store keeping and controlling, files control and management.
•Undertook Quality Assessment Assignments on different work units determining and recommending corrective & preventive controls.
•Participated in upgrading the Bank’s Intranet / website with products & services.
-Ranked the first among my class -Achieved 84.1% as an accumulative average (Excellent) & listed on Honor List and I was ranked as the first among all the students who graduated with me. -Completed assigned courses in Economics, Banking and Finance, Accounting, Statistics, Management and Marketing. -Conducted several scientific researches. * Tutored younger students in Economics and Finance subjects.
Achieved 83% average