• Promoting a strong culture of risk and control awareness and compliance with policies and requirements within the banking Operational departments.• Managing the Centralization of Internal Control functions and activities in line with the overall organization directives and goals.• Establishing a risk based plan covering the centralized operational departments’ activities.• Building a team of experts to ensure diversity in banking operational activities covering the control environment. • Ensure regular full process reviews including adherence to procedures, identifying the gaps, providing recommendations and follow up on proper implementation of the corrective actions.• Managing the initiative of implementing an internal control system covering branches and Operational departments’ questionnaires along to internal quality reviews.• Maintaining oversight over emerging and existing key risks, issues, controls, corrective actions and enhancement initiatives on an end-to-end basis.• Ongoing discussion with the Control, Risk and Compliance partners to ensure proper addressing for the high risk issues and related corrective action plan.• Applying leadership and team management for the Internal Control team including coaching, guidance, appraisals, and development growth.

Promoting a strong culture of risk and control awareness and compliance with policies and requirements within the branches retail business.• Maintaining oversight over emerging and existing Consumer Banking key risks, issues, controls, corrective actions and enhancement initiatives on an end-to-end basis.• Enhance the overall governance framework and focus on business reporting and analysis to provide timely identification and escalation.• Managing and leading the Risk and Control Management committee meetings timely and follow required directives• Leading and assisting initiatives for providing training and raising awareness on retail bank risks and controls, as well as process and tools of risk prevention, detection and reporting.• Ensure that activities and controls are operating appropriately within the retail banking and that all branch managers and staff are functioning within the scope and accountabilities of their respective positions.• Establish and implement comprehensive guidelines (Standard Operating Procedures) to institutionalized culture of strong internal controls to mitigate risk and alleviate operational losses arising out of transitions, fraud, staff negligence and errors which ultimately should reflect in a satisfactory audit and acceptable customer satisfaction rating for the branches.• Review operating procedures to simplify workflows and to ensure that they are workable, standardized, and cost effective and adequately cover branches operating risks.• Ensure regular full process reviews and follow up reviews on the branches based on a pre-planned schedule, relaying on checklist prepared in line with different functions’ SOPs in place. • Applying leadership and team management for the retail support team including coaching, guidance, appraisals, and development growth• Ensure that the daily reconciliation and balancing of cash pool service, GLs are conducted.

Management responsibility for the “Branches Compliance Unit” responsible on monitoring the daily customers transactions against the anti money laundry guidelines and in line with the Central Bank regulations.• Leading the initiation of the “Branches Compliance Unit” being part of the Branches Support Group that release the responsibility of monitoring the daily customers transactions from branches end.• Building up a team from an expert staff fully aware about the Central Bank regulations and related compliance policies that handles the responsibility on monitoring the customers’ transactions.• Building up a consolidated data base for the bank explaining each customer profile and ongoing personal and business activities that will facilitate ongoing monitoring on the daily transactions posted on the bank records.• Conducting daily and monthly reviews over transactions above certain thresholds to ensure proper justification is in place and proper documentation is provided by customers.• On-going escalation and coordination with Compliance and Anti Money Laundry teams for those cases requires further investigation or reporting to the Central Bank. • Periodic review for the high risk customers to ensure proper update for the customers’ profile and business activities.

Identifying which Consumer Banking in-business control activities are being performed & by which in-country units, & establishing a model & a plan that ensures that these are brought within the IBC Head’s span of control, & that these are centrally & coherently coordinated by the IBC Function, preventing any duplication in controls.• Leading & assisting in the implementation of global, regional & country risk & control policy requirements• Develop interaction model at a country level with other control functions to ensure awareness of all Consumer related risks & delivery of Single Point of Contact responsibility.• Maintaining oversight over emerging & existing Consumer Banking key risks, issues, controls, corrective actions & enhancement initiatives• Manage effectively the Operational Risk framework for Consumer. Evaluating, assessing & validating controls through processes & tools including MCA & Key Risk Indicators.• Proactively & promptly notifying & escalating material emerging & existing issues & risks, such as control breaks, fraud events, etc, to country & regional management.• Actively partnering with Consumer Businesses & Functions in the coordination of internal audits & regulatory reviews & providing support with audit and examination deliverables, tracking of engagements, monitoring of issues & CAPs raised as part of the audit process, etc.• Leading & assisting initiatives for providing training & raising awareness on Consumer Bank risks and controls• Managing Consumer Support unit responsible for following the Compliance guidelines & policies & responsible for handling all AML exceptions raised on branches with respect to customers’ transactions.• Managing also the Branches Oversight Function responsible for performing branches inspections as per pre-set regional plan in accordance with a standard checklist along to monthly scorecard preparation• Enhance controls based on learnings from Operational Losses, IA reports etc

Conduct independent reviews / audits on various units within the bank; to evaluate the effectiveness of internal controls and compliance with Corporate Standards and applicable regulations, and to provide senior management with an independent evaluation of the Units risk and control environment.• Address unstructured and complex issues relating operations Control.• Performing Internal Audit functions in the absence of Internal Audit department.• Introduce and apply the best practices and maintain adequate and effective controls across Mashreqbank Branches to ensure that Mashreqbank assets are protected against any losses.• To conduct periodical reviews as per the plan set by OCRM – Head on all operational services & products to identify gaps, ensure controls are effective and risk mitigates are built around processes.• Providing support to branches on all Operational issues and requirements. • Helping in establishing and implementing comprehensive guidelines to build a robust control culture to mitigate risk and alleviate operational losses arising out of system inadequacy, transaction fraud, staff negligence & errors which ultimately should reflect in satisfactory Audit Rating.• Identify weakness in the effectiveness of controls and key processes and providing appropriate recommendations for improvement to minimize risk and safeguard the Bank’s assets.• Monitor Reconcilement GL accounts of sensitive Nature and ensure compliance with policy and procedures.• Keep track of all open audit findings and ensure timely closure by the respective unit• Performing daily reviews on bank accounts and cash limits such as: Suspense accounts, Inter Group accounts, Overrides, Cash Vault limits, Renewal of FD’s and rates• Performing monthly reviews / audits such as: Branch Reviews, Departmental Proof, Cash Shortage/ Excess review, Expense Review, Sundry Accounts, etc

Ensure that all the reviews & verifications tasks are conducted in a timely manner and in accordance to policies, procedures & guidelines.• Monitor bank Nostro accounts reconcilement process.• Monitor the corrective action of all reviews / audit comments & ensure regularization within target dates.• Perform daily integrity & GL review.• Monitoring FX/MM deals confirmation process.• Stress to maintain superior communications with my colleagues and other units.

Handling the operational part related to all retail products. (Applying verification procedures for all applicants/files circulation).• Monitoring Credit Division MIS, including Temporary overdraft, Excess over limits, & Expired Limits Reports.• Monitoring the accuracy of movement for different lines of facilities in accordance with respective approvals.• Responsible for Compliance reviews to ensure adherence to policies & procedures.• Handling CBE monthly and quarterly reporting and applying measures to ensure adherence to acceptable quality standards.

Handling all operational transactions related to foreign currency accounts. • Foreign currency exchange transactions. Reconciliation of transaction reports.