Mario Saad
Dubai,DU
Summary
Experienced Risk and Compliance leader with a demonstrated history of working in the financial services industry. Skilled in Non-Financial Risk and Compliance, specializing in risk assessments and controls.
Proven leadership capability and strategic thinking, a strong knowledge of risk management and control frameworks and their practical application, able to balance this with commercial and strategic view.
A strong communicator providing robust challenge and pragmatic solutions. An excellent track record of strategic thinking, successful implementation and delivery, as well as leading teams and building trusted relationships with senior stakeholders.
Overview
22
22
years of professional experience
1
1
Certification
Work History
MENAT RH of Risk Strategy & Framework/ Compliance
HSBC
08.2016 - Current
- Developed and trained a regional capability to provide risk and data analysis to MENAT Risk and Compliance Committees and relevant CEO scorecard measures.
- Provide NFR framework embedding and support to country CCOs and CROs on risk steward roles and responsibilities, FC Risk assessments and taxonomy implementation.
- Lead the annual regional execution of the Enterprise-Wide Risk Assessment (EWRA) exercise for all FC risks across MENAT countries
- Provide governance and steer over Financial Crime risk appetite statements and relevant metrics
- Worked with Group on the enhancement of the bank Operational Risk technical user guides
- Evaluate and oversee the FC Emerging Risks submission to RMM.
- Implemented data-driven approaches to assess and prioritize risks more effectively.
- Led the Global Standards Risk Appetite and Risk Assessment Operational Effectiveness work stream in MENAT
- Helped create and trained a large Compliance Governance & Reporting offshore capability to support Europe and MENAT
MENA Regional Lead Business Risk & Control Manager (BRCM)/ Risk & Compliance
HSBC
03.2013 - 07.2016
- Created & developed the Risk and Compliance BRCM and Business Information Risk Officer (BIRO) unit for Risk & Compliance in MENA
- Ensured continuous embedding of the 3 Lines of Defense model
- Prepared the function's risk and control profile for the MENA Risk Management Meeting
- Designed and carried-out BRCM testing and monitoring activities for the Risk and Compliance areas
- Provided continuous support on risk and control issues to country CROs and Heads of FC/ RC in the region
- Supported the group and regional Audit, Assurance and Operational Risk teams in department reviews
- Worked on offshoring specific activities to Centers of Excellence along with relevant training resulting in saves of around 40% in onshore time and resource. Process was later adopted in all regions.
- Leading several projects on behalf of the Group, i.e., Group Risk BRCM town halls, scoping the BRCM Capacity planning exercise for all regions, sharing best in class MI/ KIs with the other Regions.
Head of Operational Risk & Internal Control
HSBC
10.2008 - 02.2013
- Provided guidance and advise on Operational Risk policies and framework to businesses and functions and acted as the Country Risk Coordinator
- Implemented the Operational Risk & Internal Control (ORIC) framework
- Set-up and co-chaired the Bank's ORIC Committee meetings
- Set-up and trained a network of 8 Business Risk Coordinators (BRCs) within the businesses and functions including use of the Operational Risk system used (Orion/ Helios)
- Planned and carried-out the ORIC monitoring plan and certain SOX reviews
- Reviewed and enhanced the SLAs for offshoring processes to the Centre of Excellence in the different departments of the Bank
- Supported the creation and assessment of Risk and Control Assessments (RCAs) for all business and functions across the Bank
- Conducted special projects and investigated operational loss events and frauds
- Helped ensure losses and penalties incurred by the bank were below targets set by the Group/ Region through lessons learned reviews and awareness workshops.
Senior Team Leader/ Business Risk Services
Ernst & Young (E&Y)
08.2005 - 08.2008
- Led different teams comprising of two to five individuals in different Risk Assessments, internal audit plan development & risk reviews for most Financial Institutions and Insurance companies in Qatar: Commercial Bank of Qatar, Qatar National Bank, Doha Bank, Qatar Islamic Bank, Qatar Insurance Company (QIC)…
Quality Auditor & Coordinator
Consolidated Engineering & Trading Co (CET)
03.2002 - 12.2003
- Implemented the ISO Standards in the Company in coordination with Bureau Veritas (BVQI)
- Setting the standard operating procedures relating to procurement and on-site work.
Education
MBA -
Lebanese American University (LAU)
BS in Economics -
Lebanese American University (LAU)
Skills
- Regulatory Acumen
- Management of Non-Financial Risks
- Risk and Compliance Transformation
- Change Management
- Program Management
- Data analysis and interpretation
- Communication and Presentation skills
- Leadership and People Development
- Analytical and Critical Thinking
- Audit Management
- Stakeholder Engagement
- Risk Assessment
Languages
English
French
Arabic
Romanian
Certification
- Professional Postgraduate diploma in Governance, Risk & Compliance (International Compliance Association)
- Certified Internal Auditor (CIA)
- ISO Certificate: Internal Quality Auditor - BVQI
Memberships
- Institute of Internal Auditors (IIA)
- International Compliance Association (CIA)
- Member of the professional Risk Managers International Association (PRMIA)
Timeline
MENAT RH of Risk Strategy & Framework/ Compliance
HSBC
08.2016 - Current
MENA Regional Lead Business Risk & Control Manager (BRCM)/ Risk & Compliance
HSBC
03.2013 - 07.2016
Head of Operational Risk & Internal Control
HSBC
10.2008 - 02.2013
Senior Team Leader/ Business Risk Services
Ernst & Young (E&Y)
08.2005 - 08.2008
Quality Auditor & Coordinator
Consolidated Engineering & Trading Co (CET)
03.2002 - 12.2003
MBA -
Lebanese American University (LAU)
BS in Economics -
Lebanese American University (LAU)
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