Mariam Said Sedarous
Dubai,UAE
Summary
10+ years banking experience in operation, customer service and compliance.
Overview
12
12
years of professional experience
2012
2012
years of post-secondary education
1
1
Certification
Work History
Compliance & Regulatory officer
Banque Misr
Dubai
04.2022 - 05.2025
- CRS and FATCA reporting
- Reviewing Policy, procedures & all the official bank documents
- Consumer protection specialist
- The focal point of contact between the Bank and Regulators
- The focal point for managing regulatory requirements, examinations and deadlines
- The focal point for managing regulatory gap analyses exercises across the Bank as and when new regulations are disseminated by Regulators
- Transaction monitoring to ensure that the bank is follow and comply with CBUAE regulations
- Managed regulatory changes to ensure company-wide compliance.
- Identified gaps in controls, leading to the development of robust systems.
- Prepared detailed reports on audit findings, driving corrective actions.
Customer Service Officer
Banque Misr
Dubai
08.2017 - 03.2022
- Coordinated with customers and obtained personal financial information and interpreted available services.
- Handled customer questions and scrutinized account errors.
- Aided customer in filling loan applications and obtained credit records.
- Carried out wire transfers of funds.
- Managed opening individual and corporate accounts and even collected the required data.
- Maintained documentation and kept it confidential.
- Efficiently handled banking transactions and interacted with customers.
- Deliver qualitative services to customers.
- Promote bank products and services.
- Build customer relationships.
- Respond to customer inquiries and resolve.
- Maintain customer database and update periodically.
- Ensure best practices in rendering services to customers.
- Issue debit cards, cheque books and balance confirmation.
- Handling the international wealth management operations; account openings, Transfers & account maintenance.
Teller
Banque Misr
Abu Dhabi
05.2016 - 07.2017
- Receive and count working cash at beginning of shift.
- Identify customers, validate and cash checks.
- Accept cash and checks for deposit and check accuracy of deposit slip.
- Process cash withdrawals.
- Perform specialized tasks such as preparing cashier's checks, personal money orders, issuing traveler's checks and exchanging foreign currency.
- Record all transactions promptly, accurately and in compliance with bank procedures.
- Balance currency, cash and checks in cash drawer at end of each shift.
- Answer inquiries regarding checking and savings accounts and other bank related products.
- Attempt to resolve issues and problems with customer's accounts.
- Explain, advise on and promote bank products and services to customers.
- Identify referral opportunities and make relevant referrals.
- Ensure compliance with all internal controls and established policies and procedures.
- Handling ATM machines.
Banking Assistant
First Gulf Bank
Abu Dhabi
09.2015 - 02.2016
- One of Cheque Referral team: Act on all 'ICCS and branch Cash Counter' Financial and Technical Referrals on behalf of Credit and Marketing pertains to Corporate Clients and to ensure that the transactional referrals are reverted to within timelines after obtaining relevant approvals.
- Ensure that user Approving Authority Security matrix is current and updated for all users joining or leaving the department.
- Provide and maintain the Records of Financial & Technical Approvals obtained for Audit purpose (ICCS and Referrals from branches).
- Printing and faxing Daily/weekly/fortnightly/monthly Account Statements/ other reports requested by the customer.
- Provide full assistance to Auditors during the audit of ICCS and Balance confirmation related issues ensuring each audit are well coordinated.
- Follow up with the Relationship teams to provide preferable FOREX rates for transactions.
- Requisitioning of all Admin related services required for CBG unit/department i.e. Corporate Marketing, MNC, Liabilities, Private Banking, Business Banking and Transaction Banking and being a Custodian for the same.
- Keeping a record of all balance confirmations requested by the customers.
Teller & CSR
Al Fardan Exchange
Abu Dhabi
05.2013 - 08.2015
- Balance currency, coin, and checks in cash drawers at ends of shifts, and calculate daily transactions using computers, calculators, or adding machines.
- Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
- Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
- Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
- Enter customers' transactions into computers in order to record transactions and issue computer-generated receipts.
- Count currency, coins, and checks received, by hand or using currency-counting machine, in order to prepare them for deposit or shipment to branch banks or the Federal Reserve Bank.
- Resolve problems or discrepancies concerning customers' accounts.
- Explain, promote, or sell products or services such as travelers' checks, savings bonds, money orders, and cashier's checks, using computerized information about customers to tailor recommendations.
- Perform clerical tasks such as typing, filing, and microfilm photography.
- Compose, type, and mail customer statements and other correspondence related to issues such as discrepancies and outstanding unpaid items.
Education
Bachelor Degree - Computer Science
Faculty of Science Menofeia
Skills
- Excellent communication skills
- Good management skills
- Attention to details
- Good organizational skills
- Interpersonal skills
- Problem solving skills
- Computer proficiency
- Teamwork
- Self-motivated
- Diligent
- Customer service
- Honesty
- Integrity
- Accountability
- Sense of responsibility
Certification
Foreign Account Tax Compliance Act (FATCA) & Common Reporting Standard (CRS)
Business English
Consumer protection
Cybersecurity Awareness
Fraud Prevention and Detection
Anti-Money Laundering (AML) & Counter-Terrorist Financing (CTF)
Timeline
Compliance & Regulatory officer
Banque Misr
04.2022 - 05.2025
Customer Service Officer
Banque Misr
08.2017 - 03.2022
Teller
Banque Misr
05.2016 - 07.2017
Banking Assistant
First Gulf Bank
09.2015 - 02.2016
Teller & CSR
Al Fardan Exchange
05.2013 - 08.2015
Bachelor Degree - Computer Science
Faculty of Science Menofeia
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