Saif Al-Moumen Email & Phone Number

Houston, Texas, United States

• Increased sales and customer satisfaction through personalized servicing.• Provided superior and individualized customer service.• Responded to internet inquiries and phone calls in timely matter.• Demonstrated products to show potential customers benefits and advantages and encourage purchases.• Built relationships with customers and community to establish long-term business growth.• Corresponded with online customers to address questions or complaints about products, policies, or shipping methods.• Improved monthly sales with successful marketing, sales and customer relations approaches.

Lewisville, Texas, United States

• Exceeded targets by building, directing, and motivating high-performing sales team.• Trained sales staff on company procedures and salesmanship.• Kept detailed records of sales and contracts.• Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.• Collaborated cross-functionally with headquarters, regional and other teams nationally to maintain consistent message and experience.• Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.• Directed sales support staff in administrative tasks to help sales reps close deals.• Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.• Identified and resolved complex issues by applying advanced analytical and troubleshooting strategies.• Built relationships with customers and community to establish long-term business growth.• Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.• Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.

Bahrain

Develops targeted product offerings and marketing campaigns based on customer profiles to increase sales, cross-segment client migration, and ensure client experiences are maximized. Work with the product team to tailor product proposition, which increased the revenue and enhanced the client’s relationship with the bank:• Successfully lead and delivered more than 30 client value propositions and campaigns by designing and managing compelling product value propositions and working with marketing and research teams to validate product constructs with clients’ needs. • Met and exceeded revenue targets for 70%the of the value proposition campaign by working closely with sales managers to ensure that sales and revenue targets are achieved. • Raised bank liabilities from $880MN (USD) to $1,060MN (USD) in three years by actively managing the liability balance sheet to ensure optimization of return, growth in business drivers, and P&L.• Increased new-to-bank customers from 89,000 to 101,000 by activating acquisition and programs, developing deepening states that become the source of leads to achieve business targets.• Due to increased liabilities and the customers, the bank market share has risen to 6.5% from 5.8% which delivered the optimal products portfolios-weighted weighted returns.• Led and supervise major projects such as the introduction of new Contactless payment technology to customers and channels, and deployment of new ATMs and CDMs in various branches. Also, leading and supervising a team that worked on implementing new mobile payment and tokenization.• Ensure that the pricing strategy is constantly up-to-date and in line with market and regulatory changes by offering pricing recommendations and managing product profitability.• Documented user stories, specifications, products, and features orders and detailed work orders to communicate across teams and build mandatory requirements.

Bahrain

Formulate targeted strategies and recommendations for retail banking to increase customer acquisition, assets, liabilities, sales, and cross-sales by introducing new and enhancing the existing sales strategies, and marketing plans and analyzing the overall financial performance which include analyzing the portfolio by tracking results against budgets and forecasts to assist in increasing consumer banking efficiency and performance.• Build and implement an annual branch business plan, including financials, branches vision, drivers of business from capacity, client value proposition, client deepening opportunities, new business development, branch micro-marketing activities, and service delivery plans.• Manage customer life cycles, onboarding, portfolio management, and specific focus on attrition management and win-back strategy.• Increased the rate of lead-to-sale conversation by introducing strategies that promotes customer data collebeforeior to presenting proposals and offers.• Implemented and lead the implementation of “Universal Teller” which increased the quality of customer service and reduced cost.• Worked with back-office and supporting functions (Legal, Compliance, Marketing, Finance) to enhance the process, and strategies, minimize the cost, and prepare the strategic planning, forecasting, and budgeting for the business including annual budgets.• Tracked over 100 employee's performances, produced incentivized score card and tracked the monthly performance of the business.• Used critical thinking to break down problems, evaluate solutions and make decisions.• Drove operational improvements which resulted in savings and improved profit margins.• Estimated expected changes in business operations and made proactive adjustments to employee schedules and inventory levels to address needs.• Established performance goals for employees and provided feedback on methods for reaching those milestones.

Qatar

• As a branch manager I was responsible for the overall operation and served as a leader to my team by engaging and empowering them to provide superior customer satisfaction and effectively drive sales, service, and be committed to the success of the business:• A fraud incident occurred in the bank in 2009 and a team of auditors visited from the bank's headquarters. After three months of auditing, I was tasked to serve as branch manager to address all the recommendations and guidelines that were raised by the audit team. One year into the position, I successfully put the branch back on recommended guidelines and was promoted to move to a different business unit in a different country.• Ensured excellent cash management and met transaction-processing standards by complying with the group and local money laundry standards and policies including reporting suspicious transactions, monitoring and managing customer transactions, keeping service standards, and maintaining the branch premises and security.• Maintained and achieved the branch sales targets by maintaining the sales focus, analyzing products, policies, and client portfolio, and recommending changes to maximize client profitability.• Utilized audit/control process to keep fraud/operating losses at a minimum without affecting sales process and maintain/ improve the overall level of client satisfaction.• Complied with Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.• Created strategies to develop and expand existing customer sales, resulting in an increase in annual sales.• Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes, and coaching employees on company protocol and payroll operations.• Met deadlines by proactively managing individual and team tasks and streamlining processes.• Uncovered and resolved strategic and tactical issues impacting sales management and business operations.

Qatar

• Analyzing the overall financial performance of consumer banking which included analyzing assets, liabilities, Investments, and SME performance by tracking results against budgets and forecasts.• Providing quality management information and the overall status of operations within the Business department to the Risk managers to enable an appropriate analysis of data (including analysis to determine assumptions for scoring systems, risk control, and systems requirements). • Designing and developing comprehensive business MIS for assets, Liabilities, investments, SME products, and Consumer Banking.• Appointed as the point of contact between Standard Charter bank and Qatar Credit Bauru.• Evaluated the financial risks, prepared financial forecasts, financing scenarios, and other documents concerning capital management, wrote reports and recommendations, and contributed to strategic planning, forecasting, and budgeting for the business, including preparation of the annual budget.

Qatar

Assisted Business Unit Heads, Governance and BORM in driving and directing effective compliance and operational risk management at the Business Unit level. Implemented controls within the Business Unit to meet all regulatory and internal requirements. Ensured proper functioning of day-to-day controls, periodic monitoring activities and timely resolution of risk issues.Highlights:• Was the source of reference within the business Units in facilitating and promoting the understanding of operational risk and compliance requirements.• Lead and support implementation of operation risk initiatives for the business Unit. • Proactively communicated with the business unit heads and BORM on operational risk issues. Escalate significant events to business unit heads /BORM,• Designed and implemented control measures and monitoring plans for compliance and operational risk management. Ensure effectiveness of controls for compliance monitoring and risk management.• Ensure risks and issues identified are resolved in an appropriate and timely manner.• Assist BORM in the implementation of OR framework or other relevant OR initiatives.• Act as the Unit Money Laundering Prevention Officer (UMLPO) and cooperate with the UMLPO to ensure appropriate internal controls and procedures for money laundering prevention is in place and functioning as intended. Where appropriate, assist in the investigation of financial crime risks.• Timely communication of changes to the regulatory environment and internal Policies from Legal & Compliance and Operational Risk Management Group.

Qatar

Assisted in preparing financials for launches of new products. Collected market and customer information which were KPI for the product. Prepared pivot tables according to customer requirements. Coordinate with the Advertising agency and press to ensure group standards.

Qatar

• Ensured timely and error free processing of items related to item processing and remittances• Ensured execution of key controls to minims operational risk.• Ensured compliance with regulatory and Bank’s requirements including all Anti Money laundering related requirements.• Ensured compliance with local processes, Qatar Central Bank requirements, Group requirements, Operational Risk requirements and agreed customer service standards.• Followed existing operational processes and control and suggests if required with a view to mitigate operational risks• Recommended processes/workflow changes for grater efficiency sand controls• Acted as custodian to relevant bank keys and combinations• Preformed all relevant reconciliation on prescribe frequencies • Ensured compliance with regulatory and bank’s requirements including all Anti Money laundering related requirements.• Executed all relevant transactions and documents checking• Completed all relevant internal, regulatory and group MIS on due date

Qatar

• Worked in cash area as teller trainee – Main Branch • Day to day cash handling and solving any related issues