Youness El Kandoussi

• Training programs for financial institution executives and public administrations in Morocco and
internationally.
• Advisory in Governance, Risk and Compliance (GRC).
• Supported fintech and banking clients in adopting best-practice Risk Management frameworks,
Governance and Compliance.
• Implemented Operational Risk Management frameworks: Risk Mapping, Process Mapping,
Operational Loss Data Collection, KRIs.
• Advised on regulatory requirements across different jurisdictions.
• Supported several Moroccan and international banks in establishing GRC frameworks.

• Delivered comprehensive risk management advisory services tailored to the FinTech and Banking sectors.
• Guided clients in implementing best practices for Risk Management Frameworks, enhancing their operational resilience.
• Facilitated the execution of RCSA, Loss Data Collection, and KRI processes, ensuring robust risk assessment and monitoring.
• Provided expert advice on regulatory requirements across various jurisdictions, helping clients maintain compliance.
• Successfully assisted a fintech client in establishing a partnership with a leading Kuwaiti bank, fostering strategic growth.
• Supported a Moroccan bank in transitioning to effective risk management disciplines, strengthening their risk governance framework.

• Managed functional design projects for software and reporting solutions for credit institutions
and similar entities.
• Provided Operational Risk subject-matter expertise to technical teams and clients.
• Contributed to functional specification documents for Basel risk solutions.
• Participated in departmental strategy, annual business plans and budgeting.

• Contributed to division strategy, annual business plans, budgets, policies and procedures.
• Reviewed annual plans and budgets with the Division Head and implemented performance
indicators.
• Chaired the Governance, Operational Risk and Compliance Committee (under the CRO and CEO).
• Implemented and oversaw Operational Risk control and monitoring procedures.
• Supervised bank‑wide Operational Risk activities and supported divisions in managing their risk
portfolios.
• Managed incident recording and remediation; aggregated risk data for assessment and trend
analysis.
• Developed Operational Risk models and early‑warning indicator monitoring.
• Supported Internal Control in developing, planning and implementing control testing plans.
• Maintained an updated Operational Risk register and maps.
• Oversaw internal and regulatory reporting; reviewed new product/system introductions through
an Operational Risk lens.
• Coordinated Business Continuity planning activities across operational stakeholders.

• Spearheaded the development of the Divisions strategic framework, aligning annual business plans, budgets, and policies to drive operational excellence.
• Collaborated with the Head of Division to critically assess annual business plans and budgets, successfully implementing performance indicators that enhanced departmental accountability.
• Championed the implementation and monitoring of robust control procedures, significantly mitigating Operational Risk across the organization.
• Oversaw the management of Operational Risk at the bank level, ensuring compliance and fostering a culture of risk awareness.
• Delivered exceptional support to all departments and divisions, facilitating seamless operations and strategic alignment.

• Developed and implemented an intuitive mathematical model to effectively quantify operational risks, enhancing risk assessment accuracy.
• Supervised the management of operational risk activities at the bank level, ensuring compliance with regulatory standards.
• Identified and quantified operational risks, contributing to a proactive risk management framework.
• Managed the registration process for operational incidents, proposing appropriate remedial measures to mitigate future risks.
• Aggregated risk data for thorough evaluation and analyzed trends to inform strategic decision-making.
• Oversaw the implementation of control procedures and operational risk monitoring, fostering a culture of risk awareness across the organization.

• Developed and implemented an intuitive mathematical model for Operational Risk
quantification.
• Supervised bank‑wide Operational Risk activities, identification and quantification.
• Managed incident recording and remediation; aggregated risk data for assessment and trend
analysis.
• Implemented control and monitoring procedures for Operational Risk.
• Implemented early‑warning indicator monitoring and maintained risk maps.
• Produced internal and regulatory reports.

• Spearheaded the development and implementation of a comprehensive Enterprise Risk Plan, enhancing organizational risk management frameworks.
• Actively monitored Market Risk and Liquidity indicators, ensuring timely identification of potential vulnerabilities.
• Conducted in-depth analysis and provided strategic recommendations for transaction and portfolio Credit Risks, driving informed decision-making.
• Ensured strict adherence to regulatory and internal compliance standards within Credit processes, mitigating potential risks.
• Implemented and continuously monitored robust control procedures for Operational Risk, fostering a culture of risk awareness and resilience.

• Developed and implemented the Enterprise Risk Plan.
• Monitored Market and Liquidity Risk indicators.
• Analyzed and recommended Credit Risk limits at transaction and portfolio levels.
• Ensured regulatory and internal credit compliance.
• Implemented Operational Risk control and monitoring procedures.

• Supported the management of market, operational, and liquidity risks, enhancing the overall risk framework.
• Executed the operational risk plan, driving improvements in risk identification and mitigation strategies.
• Ensured compliance with Central Bank of Kuwait regulations and Basel II capital adequacy requirements, safeguarding organizational integrity.
• Implemented Enterprise Risk Management systems (Sungard-Bancware and Sword Systems), streamlining processes across market, credit, and operational risk disciplines.
• Collaborated with cross-functional teams to enhance risk assessment methodologies, contributing to a robust risk culture within the organization.

• Assisted in managing Market, Operational and Liquidity risks.
• Implemented the Operational Risk plan.
• Ensured compliance with Central Bank of Kuwait regulations and Basel II capital adequacy
requirements.
• Implemented enterprise risk systems for market, credit, and operational risks (Sungard
BancWare and Sword Systems).

• Conducted comprehensive analysis and review of processes and procedures to enhance internal controls, leading to improved operational efficiency.
• Performed detailed risk analysis for IT infrastructure, identifying vulnerabilities and recommending mitigation strategies.
• Ensured strict compliance with regulations set by the Central Bank of Kuwait and Basel II capital adequacy requirements, safeguarding organizational integrity.
• Successfully managed the Conversion Project for the Alternative Financing Model (Tawaruq project), facilitating seamless implementation.
• Actively participated in the product creation process, providing recommendations for controls aligned with Islamic law, ensuring ethical compliance.
• Oversaw the testing process of Islamic financing products, ensuring they met regulatory standards and operational effectiveness.

• Reviewed processes and procedures to recommend internal control improvements.
• Assessed risks related to IT infrastructure.
• Ensured compliance with Central Bank of Kuwait regulations and Basel II capital adequacy
requirements.
• Led the conversion project to the alternative financing model (Tawarruq).
• Participated in Sharia‑compliant product development process and control design.
• Managed testing for Islamic financing product information systems.