Mohammad Al Najjar Email & Phone Number

Abu Dhabi, United Arab Emirates

Abu Dhabi, United Arab Emirates

1. Cash Vault - Dual control of branch Vault2. Providing cash to tellers for daily business transactions, approving daily transactions for remittances and other products, where applicable approving the override of transactions exceeding specified teller limits3. Process & balance daily inward and outward clearing transactions4. Reconciliation and review of errors in teller transactions5. Review and approve work processes documentations and system input reports, accomplished on account of deposit sales and retail & institutional services, by customer service staff 6. Sign on behalf of the bank as per the assigned limit7. Control and supervision of operations work processes for compliance with ADIB’s Credit & Operational Policies & Procedures, thus maintaining an acceptable both internal and external audit rating8. Conduct surprise check of Branch Vault cash on a monthly basis and reports exceptions if noted, to HO authorities9. 10. Interact with customers for sale of ADIB’s deposit, Finance, Cards & Takaful products by ensuring service efficiency and by adherence to best service standards11. Monitor the sales performance of CROs12. Generation of new business via out marketing calls and in- branch contacts through “Open door policy” in meeting customers13. Setting and monitoring sales plans for the branch and sales staff as per forecast14. Coaching of all sales staff to increase sales productivity and cross selling15. Monitor branch service standards for customer satisfaction16. Customer retention efforts with personal involvement in complaint resolution and inquiries17. Ensure service level agreements (SLA) with internal and external customers are in place, followed and are frequently calibrated for continuous improvement18. Observation of queue time and length and taking action as needed to capacities serving counters and or managing customer traffic19. Observe, coach /train and counsel staff towards expected behaviors

Uae - Abu Dhabi

Operations ManagerKey Responsibilities1. In charge of Operations Department.2. A “Key & Combination holder of Safe / Vault / ATM.3. Placing of “B” class signature on all transactions.4. Authorizer / In charge of cash related Transactions and Cash management.5. Authorizer / In charge of Customers Services related transactions.6. Authorizer / In charge of Trade Finance related transactions.7. Authorizer / In charge of remittances Incoming / Outgoing. 8. Authorizer of Inward and Outward Clearing.9. In charge of Branch Administration related works.10. In charge of Branch HR related works.11. In charge of Audit, Compliance & Follow-ups.12. Month end verification of outstanding instruments and reports.13. Preparation and forecasting of budget on forthcoming year.14. Organize work flow to achieve maximum productivity.15. . Operational Risk Management. 16. Enhance morale of staff under direct control.17. Ensure compliance of all internal procedures and operational controls.18. Comply with Group Money Laundering Prevention Policy and Procedures to the extent applicable and reporting all suspicious transactions to the Line Manager. Addional Tasks from H.OIn charge of the following for Abu Dhabi Area Branches :1. CAML (Combating Anti Money Laundry)2. CFT (Combating Financing Terrorist).The above controlled based on the recommendations of :FATF : Financial Action Task ForceOFAC: Office of Foreign Assets Control.3. FATCA: foreign Accounts Tax Compliance Act.

Uae - Abu Dhabi

1. Responsible for managing day-to- day operations.2. Completing all necessary audits and reports as requested on market daily closing. (Trade Logs).3. Ensuring the security and compliance of operations department.4. Supervise Investors conflicts or complaints.5. Act as the company representative for legal / court hearings.6. Act as a client advocate by monitoring client accounts and transactions7. Attend board meetings, conferences on behalf of the company.8. Supervising and directing all personnel within the operations department.9. In charge of the Customer Services Division.

Abu Dhabi - Uae

1. Executing the buy and sell orders received from the investors. (Certified broker in DFM & ADX.)2. Ensure works performed by the staff of the Brokerage Department are according to the rules and regulations of the DFM, ADSM and Security & Commodities Authority.3. Ensure the top management policy and recommendations are followed by the staff of the Brokerage Department.4. Check the completeness and the correctness of the buy and sell orders by, tracing them to the "Daily Trade Log" report generated from Horizon Dealing system5. Supervision and organizing the works of the brokers.6. Follow up and development the brokers performance.7. Annual estimation of the brokers performance.8. Resolve the problems could occur from investors or brokers.9. Suggest recommendations to the top management in order to develop the Brokerage Department10. Spread the team spirit inside the Brokerage Department

Abu Dhabi - Uae

1. Executing the buy and sell orders received from the investors. (Certified broker in DFM & ADX.)2. Ensure works performed by the staff of the Brokerage Department are according to the rules and regulations of the DFM, ADSM and Security & Commodities Authority.3. Ensure the top management policy and recommendations are followed by the staff of the Brokerage Department.4. Check the completeness and the correctness of the buy and sell orders by, tracing them to the "Daily Trade Log" report generated from Horizon Dealing system5. Supervision and organizing the works of the brokers.6. Follow up and development the brokers performance.7. Annual estimation of the brokers performance.8. Resolve the problems could occur from investors or brokers.9. Suggest recommendations to the top management in order to develop the Brokerage Department10. Spread the team spirit inside the Brokerage Department

Abu Dhabi - Uae

1. Conduct field work in accordance with audit programs and test plans. 2. Conduct independent reviews and evaluations of management operations and activities including the systems of internal controls. 3. Inspect original documents to gather corroborating evidence. 4. Review and supervise the work of the team audit. 5. Prepare reports on findings and recommend improvements in policies, procedures and internal controls. 6. Provide quality assurance inputs in the reports and recommendations.

Abu Dhabi - Uae

1. Analysis all the retail banking product credit facilities applications received from the branches , such as • Car loan.• House rent loan.• Personal loan against car mortgage.• Credit Card.• Personal Loans. and recommend to the head of Credit Department for approval or decline and, state the reasons incase of decline.2. Ensure that all credits bear minimum risk exposure.3. Before disbursement, ensure that its accordance with the Bank set Standards procedures.4. .Recommend suitable action for any potential problem to the Head of Credit Department.5. Ensure the retail Credit Policies and Procedures are being adhered to and, appropriate authority approves all exceptions

Abu Dhabi - Uae

1. Analysis all the retail banking product credit facilities applications received from the branches , such as • Car loan.• House rent loan.• Personal loan against car mortgage.• Credit Card.• Personal Loans. and recommend to the head of Credit Department for approval or decline and, state the reasons incase of decline.2. Ensure that all credits bear minimum risk exposure.3. Before disbursement, ensure that its accordance with the Bank set Standards procedures.4. .Recommend suitable action for any potential problem to the Head of Credit Department.5. Ensure the retail Credit Policies and Procedures are being adhered to and, appropriate authority approves all exceptions

Amman - Jordan

1. Conduct field work in accordance with audit programs and test plans. 2. Conduct independent reviews and evaluations of management operations and activities including the systems of internal controls. 3. Inspect original documents to gather corroborating evidence. 4. Review and supervise the work of the team audit. 5. Prepare reports on findings and recommend improvements in policies, procedures and internal controls. 6. Provide quality assurance inputs in the reports and recommendations.

Master Of Commerce, Banking & Finance, First Class

Master'S Degree / Banking & Finance, Banking And Financial Support Services