AYESHA ASHRAF

• Responsible for the the management of the Operations, Risk and Compliance portfolio worth over USD 80 Million including monitoring performance, budgets and resourcing requirements.
• Responsible for presenting the portfolio health and improvements at Project Exco and Transformation Board, attended by the EXCO and CEO.
• Establishing the Enterprise Release Management function, ensuring a smoother pre and post go live process for 82 projects releases from July to December 2024.
• Completed 100% adoption to new function within 2 months leading to a reduction in post go live issues by 8%.
• Managing large teams Bank wide, reshaping and developing processes and systems designed to improve the quality of delivery across the portfolio.For example: Automated the Change Advisory Board approval process reducing decision making time from 74 hours to 24 hours.
• Managing the overall direction and strategy of the portfolio in coordination with the CEO and Executive Management.
• Implemented a project management framework across IT Delivery leading to improvements in project management delivery and project efficiency, saving the Bank an estimated AED 12 Million year in 2025.

Managing a portfolio across Asset and Leasing, including the Republic of Ireland regulatory programme and the rollout of Salesforce across the Group which led to an 18% increase in customer satisfaction levels within 3 months

Reduced manual effort in sales support processes by 30% (with the introduction of automated processes), leaving operations staff to focus on complex problem-solving queries

Worked with external partners on alignment onto a single sales platform

Managed PMs and wider teams in London, Ireland, and India, ensuring 100% of projects were delivered on time and within budget

Reporting to the CEO Wholesale Finance and CEO Ireland on all programmes, leading Steering Committee meetings and Programme Board meetings highlighting key achievements and recommendations going forward

§ Devising monthly updates in coordination with CEO Ireland to be submitted to the Regulator demonstrating our compliance

• Managed Business and IT teams in Europe, Asia and LATAM, delivered a solution that provides a single golden source view of collateral to support global management and reporting
• Worked with senior business leadership to roll out the new platform and achieved 100% adoption within 4 months
• Ensured the tool performs an eligibility assessment for collateral across the Credit Approval, Collateral Doc and Collateral Perfection processes to ensure accurate Loss Given Default 'LGD' and Risk Weighted Assets 'RWA' calculations across Global and Commercial Banking
• Worked with the Head of Legal to successfully implement CRD IV requirements ensuring all collateral is enforceable and eligible across the BankManaged Business and IT teams in Europe, Asia and LATAM, delivered a solution that provides a single golden source view of collateral to support global management and reporting
• Ensured the tool performs an ongoing eligibility assessment for collateral across the Credit Approval, Collateral Documentation and Collateral Perfection processes to ensure accurate Loss Given Default 'LGD' and Risk Weighted Assets 'RWA' calculations across Global and Commercial Banking
• Worked with the Head of Legal to successfully implement CRD IV requirements ensuring all collateral is enforceable and eligible across the Bank

• Managed the Groups Transaction Monitoring & reporting programme across 23 countries as per the PRAS directives
• Responsible for managing a global team across all work streams in 5 regions - Reporting, Process, Data Quality & Target Operating Model 'TOM', ensuring all deliverables are progressing as per the plan and acting as an escalation point for all programme issues
• Provided updates to the Chief Data Officer and Steering Committee members, ensuring all stakeholders are kept up to date on deliverables, risks and issues
• Successfully rolled out the Target Operating model 'TOM', ensuring a smooth transition to BAU across 5 regions

• Delivered major programmes ie BCBS239, IMM Stress Testing Tool, and the GBM Credit Officer Dashboards
• Led SteerCo and Working Group sessions ensuring timely and accurate reporting regarding progress to senior management
• Managed project budget and oversaw expenditures to keep costs controlled and within budget parameters
• Worked closely with Credit Analytics to understand the calculations behind new scenarios such as 'Brexit' and 'Trump'
• Assessed feedback from the PRA on Crisis and Watchlist capabilities and worked with senior stakeholders globally to implement enhanced business processes, governance and strategic reports
• Organized and supported all members of the team, providing subject expertise and acting as an escalation point

• Responsible for managing a portfolio of projects across the Group, ensuring all regulatory (i.e
• FATCA and AML) projects are in line with Central Bank requirements and implemented in accordance with best practice
• Played a key role in the establishment of a new branch in Mumbai, key accountabilities included liaising with the regulator to ensure compliance with the Reserve Bank of India's 'RBI' requirements and regular reporting to the Executive Committee 'EXCO' on project progress
• Presented detailed assessments on troubled strategic projects, highlighted areas of improvements to EXCO, implemented recommendations and worked closely with the project teams to ensure the deliverables are met
• Conducted in depth analysis on all Group strategic projects focusing on key themes i.e
• Project Governance, Cost Management, Test Management and Post Implementation Reviews
• Revised the NBAD Group Project Management Framework to bring it in line with international best practice
• Led risk reviews in coordination with Audit and Compliance for all branches and provided executive level briefings on progress

• Successfully rolled out a new credit sanctioning system, improving the turnaround time on credit decisions from 24 hours to 3 hours
• Led a large team of analysts globally, planned, scheduled and coordinated project activities to meet deadlines
• Managed the RAID log, reported project status on budget, resources, technical issues, or customer satisfaction
• Conducted demos to the business demonstrating new functionality and customer benefits

• Lead analyst on the implementation of a Credit Risk Data Warehouse and the demise of legacy systems in London and Singapore, leading to improvements in the efficiency of reporting within GBM Risk
• Responsible for completing credit reviews for large corporates, assessing credit worthiness, company background, financial history, and making recommendations on credit limits in line with Credit policy
• Monitored portfolio to ensure all clients are in line with Credit Policy
• Ensured regulatory compliance with thorough portfolio reviews
• Provided updates to senior management on portfolio progress and potential risks

• Responsible for gathering business requirements to enhance the Murex and Adaptiv Credit Risk systems
• Generated and analyzed daily exposure and Basel 2 reports for senior management, this included reviewing the portfolio, assessing trends and making recommendations on portfolio adjustments
• Liaised with front/middle office and operations to investigate and resolve all exceptions
• Assessed and verified the mark-to-market movements in the portfolio to calculate the daily margin requirements
• Worked on the migration of the counterparty Credit Risk models to Advanced Internal Ratings Based (AIRB) methodology
• This involved working with the quant team to establish the root cause of any unexpected Risk Weighted Assets (RWA) changes and explaining the reasons for genuine moves to senior management
• Identified and worked to resolve data gaps and design issues in the Risk Capital Calculation (RCC) engine

• Prepared reports detailing the degree of risk involved in extending credit or lending money, aided decision making processes
• Reviewed individual or commercial customer files to identify and select high-risk issues, protected against bad debt losses.
• Responsible for drafting business requirements for the implementation of a Customer Relationship Management (CRM) system, and the ALS Loans reporting tool
• Collaborated with IT teams to design efficient software solutions, improving workflow significantly.