Dhari Younis Al Rifai

Overseeing the audit function to ensure that the banks operations comply with internal policies, regulation, and industry standards.

Excuting the internal audit plan, focusing on risk management, financial reporting, and operational efficiency. Involves reviewing internal controls, assessing their effectiveness, and identifying areas for improvement or risk mitigation.

Working closely with senior management to communicate audit findings and recommend corrective actions.

• Tested existing controls, highlighting any areas that were not functioning properly.
• Evaluated business processes, identifying areas where improvements could be made.
• Resolved complex auditing issues, providing creative solutions when needed.
• Provided constructive feedback after each audit session leading to continuous improvement.
• Communicated findings from audits clearly with stakeholders, maintaining open lines of communication.
• Conducted internal audits to identify potential risks for the company.
• Managed a team of internal auditors, ensuring high standards of work.

Organizing and managing internal audits according to audit plans. Overseeing the process of audits, making recommendations on policies, and ensuring that the organization fulfills international and governmental obligations of compliance.

Issue internal audit report to management at the conclusion of each audit after discussion with management of the area audited.

Review of operation risk framework with solid understanding of process maps, risks and controls. Review and identify gaps in regulatory AML compliance.

• Tested existing controls, highlighting any areas that were not functioning properly.
• Assisted in preparation of annual audit schedule to ensure timely completion.

Ensures compliance with established internal control procedures by examining records, reports, operating practices, and documentation. Verifies assets and liabilities by comparing items to documentation. Completes audit workpapers by documenting audit tests and findings.

- specified in operation, all RAKBANK Branches in all UAE.

- Leading Branches team audit.

- finding high risk gaps reported to the cheif audit executive and board of directors with recommendations supporting the organization do a better job without any high risk.

• Enhanced organisational integrity by ensuring adherence to established policies and procedures during audits.
• Developed and implemented new audit strategies, enhancing operational efficiency.
• Maintained detailed records of all audits conducted for future reference and analysis.

Completed Mashreq Bank fraud training.

• Identified fraudulent activity, enhancing company security.

My main role was Vigilance and Investigations

To review and provide clearance on referrals sent to fraud risk management unit on account of name matching against the applicable watch lists.

Responsible for maintaining and updating the fraud cases in correlation with MIS and getting it

uploaded on the e-name checker.

Report fraud timely to management and the central bank.

Investigate and review any discrepancies highlighted by the vigilance analyst for all retail

products application.

Determine transaction as suspicious/fraudulent based on the transaction monitoring system.

Identify potential fraudulent claims, initiate appropriate development action.

Assist fraud Investigators in the development of cases being prepared.

Training new staff

Main Bank Achievements at Mashreq:

- FRMU (Fraud Risk Management Unit) star.

-Saved millions of AED by investigating in an SBL (Small Business Loan) mortgage, personal Loan and credit card application cases.

• Coordinated with law enforcement agencies to support fraud cases.

Completion of the standard requirement of AL Misha’al 54 training Responsible for Teller and Customer service for ENBD clients

• Successfully delivered on tasks within tight deadlines.
• Supported team by demonstrating respect and willingness to help.
• Worked flexible hours, covering nights, weekends and bank holidays.
• Increased customer satisfaction by resolving issues.
• Carried out day-to-day duties accurately and efficiently.

Marketing Department (2008, six month period)

Once a week HSBC training on the marketing requirements and strategies for the banking industry

• Increased team productivity by taking diligent meeting minutes.
• Improved team communication by organising regular team meetings and discussions.