Hazem KARFOUL

Experienced professional with expertise in monetary policy, operational risk management, and banking risk measurement and management. Proficient in internal control and corporate governance within banks, as well as financial derivatives and risk transfer instruments. Demonstrates a strong understanding of financial markets, portfolio management, and financing for small and medium enterprises (SMEs). Skilled in leveraging fintech innovations to enhance financial operations and drive strategic growth. Committed to advancing robust risk management frameworks while fostering sustainable financial solutions.

• Syrian Economic Society
• Council of Money and Credit (CMC)
• Board Member of the Syrian Commission on Financial Markets and Securities (SCFMS)
• Board Member of the Commission on Combating Money Laundering and Financing of Terrorism (CCMLFT)
• Member of the Real Estate Finance Oversight Commission (REFOC)

• Risk management forum in Arab Banks, Union of Arab Banks, 04/12/18, 04/13/18, Beirut, Lebanon
• Prudential Regulatory Procedures & Sound Practices in Risk Management, Union of Arab Banks, 02/18/15, 02/19/15, Amman, Jordan
• Colloque de Recherche: Approches du Risque Opérationnel, ISTEC, 12/06/11, 12/06/11, Paris, France
• Toward banking integration in the Middle-East: Turkey, Syria, and Lebanon, Union of Arab banks, 10/31/10, 11/02/10, Beirut, Lebanon
• 20 Years of Technical Central Bank Cooperation, Central Bank of Germany (The Deutsche Bundesbank), 10/27/10, 10/29/10, Eltville-Frankfurt, Germany
• 7th International Conference for Corporate Governance, Montesquieu University Bordeaux IV, 06/01/08, 06/30/08, Bordeaux, France
• Colloquium of the French Association of Finance on the topic of Ethics & Corporate Governance, Montesquieu University Bordeaux IV, 06/01/07, 06/30/07, Bordeaux, France
• Lecture on Arbitration & Dispute Resolution for the Financial Services Providers, Damascus Regional Center for International Arbitration, in cooperation with the Syndicate of Lawyers, 12/10/17, Damascus, Syria
• Training course on Risk Management & Regulatory Capital at Banks: from Basel II to Basel III, Banking Training Center, 06/12/16, Damascus, Syria
• Training course on Compliance Management & Corporate Governance at Banks, Banking Training Center, 10/03/15, Damascus, Syria
• Training course on Operational Risk Management, Banking Training Center, 04/21/15, Damascus, Syria
• Training course on Risk-Based Approach in Combating Money Laundering & Financing of Terrorism, Banking Training Center, 11/10/13, Damascus, Syria
• Training course on The Current Accounts and Balance of Payment, Banking Training Center, 03/01/11, Damascus, Syria

igher Institute of Business Administration (HIBA) – Professor
Damascus, Syria | Jun 2015 – Sep 2018

• Taught courses in Risk Management, Essentials of Investment, and Financial Markets & Institutions to undergraduate and graduate students.
• Developed course materials, case studies, and assessment tools to enhance learning outcomes.

National Institute of General Management – Lecturer
Damascus, Syria | Dec 2017

• Delivered a specialized course in Risk Management for professionals and postgraduate students.

Arab International University – Professor
Damascus, Syria | Feb 2014 – Sep 2014

• Conducted lectures on Monetary Policy, integrating practical applications with theoretical concepts.

Deriving the Economic Impact of Derivatives – Growth Through Risk Management, Milken Institute, used my working paper published in 2008 as a reference (link).