Sameera Al Marzooqi
Dubai
Summary
Have more than 10 years in Multi-departmental experiences: Operational Risk, Treasury, Accounts and Finance, Customer Services, Human Resources, Administration. Self-motivated organized individual with the ability to learn and adapt to different situations. Ability to relate easily with people from different cultures and background; Experienced in working in a multi-cultural environment. Excellent interpersonal and communication skills. Ability to work in a team and also handle jobs in an individual capacity. Ability to work under pressure. Knowledgeable Risk Manager equipped with strategic planning and program leadership abilities honed in Banking industry environments. Establishes strong and successful policies to mitigate risk at each level and establish clear procedures for assessments, prevention and containment. Familiar with regulatory requirements to maintain strict controls.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Risk Manager
Agricultural Bank of China
10.2019 - Current
- Credit, Market and Operational Risk Management
- Identify, measure, monitor, and report credit, market, and operational risks within the Branch
- Conduct country / business sector risk dynamics analysis and produce relevant reports
- Analyze risks arising from new products and initiatives
- Develop and implement stress testing for relevant periods, including reporting results to Senior Management and CBUAE
- Oversee customer internal rating, asset classification, and loan provision
- Review customer credit ratings and manage impairment and provisions
- Manage market risk, including bond valuation and treasury transactions
- Monitor Key Risk Indicators(KRI) for operational risk management and conduct annual operational risk self-assessments
- Develop and implement operational risk management processes
- Conduct annual internal risk assessments and generate the ICAAP report
- Produce and update risk management policies, procedures, and processes and formulate comprehensive risk management policies and manuals
- Develop and enhance the annual risk appetite and risk management framework
- Analyze, assess, and report the Bank’s comprehensive risk levels and capacities
- Monitor Large exposures and act as a control to keep the large exposures within prescribed limits
- Monitor the relevant ratios pertaining to risk such as capital adequacy ratios, leverage ratios etc
- Submit monthly, quarterly and yearly data pertaining to risk to the CBUAE via the Banking Return Form, CCSYS and other forms as required by the CBUAE
- As an Expert member of the Credit Approval Committee, review and provide independent risk assessment on credit and investment proposals
- Also take part in the voting of the credit and investment proposals
- Manage post-disbursement conditions and follow up
- Organize and manage Risk Management committee and Credit Approval Committee meetings, including notifications, material distribution and minutes taking
- Participate and act as an Expert member for the Risk Management Committee and Credit Approval Committee
- Stay up-to-date and ensure compliance with all the CBUAE regulations
- Act as liaison with regulators to ensure compliance with CBUAE requirements
- Conduct consultations and research tasks as assigned by the CBUAE
- Arrange and conduct branch risk management training sessions
- Manage all aspects of the Risk Management Department ensuring the effective functioning of daily activities.
Assistant Operational Risk Manager
Emirates NBD
06.2016 - 10.2019
- To Support OpRisk Management in the implementation of the framework designed within Emirates NBD
- Monitor and report performance of OpRisk related activities within assigned dedicated business/support units to ensure OpRisk culture and framework are being embedded
- Provide OpRisk advice to assigned business/support unit and subsidiaries of Emirates NBD
- Investigation of OpRisk events with responsible units and system validation
- Analyzing and addressing reported fraud cases in line with internal processes
- Ensuring proper root causes for events are identified and corrective measures put in place to avoid recurrence
- Resolving reconciliation and data quality issues with the concerned units
- Working closely with all assigned units to secure nomination, training and access rights for the appropriate caliber to act as OpRisk champion (Originators/ Approvers)
- Full coordination for periodical training sessions for champions on OpRisk event reporting, maintaining related trackers and reporting on status
- Acting as an OpRisk help desk by providing constant & prompt support to business units’ champions on OpRisk system functionalities and reporting requirements
- Review new processes or amendments to processes and also existing process and assist the business to manage the same
- Regular analysis of performance and/or policy compliance levels of the Group units assigned to the team with immediate reporting and escalations as appropriate
- Supporting Head of Oversight by conducting specific regular review and reporting on internal performance standards
- Support in the facilitation of Operational Risk & Control Assessment workshops including training, logistics, system access, up-to-date trackers and drafting ensuing reports
- Assist in OpRisk identification and assessment oversight, whether through NPPA (New Process/People Assessment) or ORCA (Operational Risk & Control Assessment), including review of processes and conducting internal and external researches
- Identify key risks revealed during event investigation and proposing possible monitoring indicators
- Document/record established business specific KRI’s for Group units assigned to the team and coordinate for respective requirements
- Providing feedback and input on proposed developments
- Testing changes and introducing the same on ground to Group units providing full support clarifications and collating feedback for further future enhancements.
Treasury Officer
HSBC Bank Limited
04.2014 - 08.2015
- FX & MM
- To diligently check and process deals in the Treasury system for the UAE and for the regional sites without any errors and to ensure urgent deals are processed immediately and the payments are effected before the currency cut-off time
- Liaising with the Risk Committee on conducting the evaluations of processes and systems related to operational risk and ensure that there are appropriate mechanisms in place to avoid any losses due to risk
- If any risks detected, communicating with the risk committee and taking the necessary steps
- Ensuring all the documents and safety procedures are in place so as to avoid any accidents or losses
- Ensuring that the proper reports are filed for any risk activities like Human error in processing transactions, missing a control step, System failures, Change in processes etc
- And the necessary that could be taken on occasion
- Acting as a communication line between the team and the external and internal auditors
- Doing the First-level check for the deals booked with banks and customers to ensure the Standing Instructions are in place and as per the authenticated confirmations from the clients and banks
- To ensure that no deal is processed unless the authenticated confirmations have been received from the banks and customers and to also ensure that the deals booked by the dealers are accurate
- To input the Standing Instructions (SSI) of each deal booked by the dealers and to ensure the wires are generated and suppressed accordingly
- To promptly check and perform online accounting entries at start of the day and during the day and ensure that the corrected account numbers are debited and credited as per the authenticated messages
- To ensure that all errors and breaches have been escalated correctly to the senior management
- To ensure that there are nil operational losses and report them if there are any
- Building and developing client relationships within the Middle East regions, service delivery, direct managers and peers
- Prepare reports to ensure and confirm all the payments due to the banks and clients have been made within the cut-off time and to ensure that there are no pending payments
- To make Third party payments whenever and wherever required
- And prepare swift messages such as MT103, MT202, MT199 whenever required
- Reviewing and reporting on operational risk areas
- Preparing payment through Central Bank Portal to ensure that the funds have been released before the currency cut-off timings
- To keep a check on any deals that have been cancelled or amended during the day and to check for the root cause of the same so as to avoid it in the future
- To be in communication with the key stakeholders and ensure that all processes are in place
- To assist IT on providing all the critical system checks to ensure the smooth working process
- Achieved a certificate for identifying and implementing a business process improvement.
Officer - Customer Services
Friends Provident International
01.2013 - 04.2014
- Providing good service to the clients and brokers and updating them on their Life or savings policies
- Attending to the queries of the clients and the brokers on their policies and acting upon their requests through telephone calls and emails
- Acting as an interface between the clients, brokers and the processing team in Isle of Man
- Attend to customer queries and complaints promptly taking appropriate actions to avoid recurrence of issues
- Managing the correspondences and directing the requests to the respective departments
- Acting as an interface between different departments within the organisation.
Customer Service Officer - Retail Banking
Mashreq Bank
03.2011 - 01.2013
- Providing good service to the customers
- Solving the complaints, problems and requests of the customers like request of cheque books, account opening requests etc
- Acting as an interface between the customers and the back office
- Managing the documents related to the customers
- Also acted as financial planner in the wealth management section
- Contributes to the overall Client Relationships strategy and business plans and further initiates, co-ordinates and implements the business plan for the Bank
- Monitors market and competitor activity to ensure that opportunities for new business
- Primarily focusing on customer services, Sales and to maximize the Revenue for the Bank
- Currently handling the Branch for new Business and cross selling of investment products
- Understanding the Financial Requirements of the Prospective Customers and guiding them to choose the right financial instrument
- Maintaining the Customer Relationship in the Bank and Cross selling the Financial Products.
Accountant
Amana Steel Buildings contracting co.
09.2008 - 03.2011
- Well-versed with Tally, Navision, Amanatech (Company Software)
- Data Entry for Delivery Notes and LPOs
- Managing the filing of Delivery Notes, Invoices, Payment Certificates, LGs, LCs and LPOs
- Managing Payments including preparation of Cheques
- Preparing correspondences to Banks, Clients, consultants and Subcontractors on behalf of the Finance Manager
- Making personnel payments and ensuring the entry of the payroll in the system for staff and non-staff
- Checking the accuracy for the same to ensure the payment of salary
- Communicating with subcontractors and suppliers and preparing the payments for them
- Involves filing and maintaining of the different records as part of the procedures laid out in the ISO policy
- Representing the offices of project managers, operations manager, Engineering department manager’s and the General Manager
- Preparing correspondences, submittals and memo to Clients, consultants and Subcontractors on behalf of the project managers, operations manager and engineering department manager
- Managing the dairy of the General Manager including scheduling of appointments and meetings
- Managing the correspondences related to the General Manager’s office
- Managing the filing of all documents pertaining to the General Manager’s office
- Managing the correspondences/transmittals pertaining to the Engineering department
- Acting as a communication interface between Engineering department and other departments of the organization
- Managing the filing of all documents pertaining to the Engineering department
- Managing correspondences/MRF’s for the department
- Preparing correspondences on behalf of the HR manager to be given to the staff
- Attending to the complaints of the staff and alerting the HR regarding the same
- Acting as a communication interface between the HR/ Admin dept and the staff of the Company
- Entering the payroll in the system for the labours
- Managing the filing of all files including the Labour files
- Involves handling the call from the customer, logging in the call details, assigning to the appropriate Support staff and updating the customer on request
- Attending to the visitors and directing them to the respective departments
- Managing the incoming and outgoing faxes
- Filing of all correspondences.
Education
Bachelor of Commerce -
Annamalai university
01.2005
Higher Secondary -
Sharjah Indian High School
01.2002
High School -
Woodside High School
01.2000
Skills
- Claim Reviews
- Internal Controls
- Counterparty Risk Management
- Equity risk management
Otherqualifications
- Completed '7 habits of effective people' course
- Ability to incorporate change management in terms of upgrading of systems and skills
- Well versed with Microsoft Office Suite of Products including Microsoft Word, Excel, PowerPoint and Outlook
- Excellent data mining skills using the internet
- Ability to work efficiently under pressure
- Regularly keep updated with the following trainings: Anti-money laundering and combating terrorist Financing, Fundamentals of banking, IT security, Business excellence, Fraud awareness
- Also attended the training for Selling skills, Harvard Manage Mentor – Customer focus
- Attended training in Savings and Investments products from ALICO, Royal Skandia, Oman Insurance, Takaful (Islamic Products) and Zurich
- Completed course for Operational management by Causal Capital management and obtained GEM awards in ENBD for going an extra-mile in service excellence
- Obtained yellow belt for successfully identifying and implementing a business process improvement that helped to get HSBC six sigma yellow belt accreditation
Personal Information
Nationality: United Arab Emirates
Certification
a
Timeline
Risk Manager
Agricultural Bank of China
10.2019 - Current
Assistant Operational Risk Manager
Emirates NBD
06.2016 - 10.2019
Treasury Officer
HSBC Bank Limited
04.2014 - 08.2015
Officer - Customer Services
Friends Provident International
01.2013 - 04.2014
Customer Service Officer - Retail Banking
Mashreq Bank
03.2011 - 01.2013
Accountant
Amana Steel Buildings contracting co.
09.2008 - 03.2011
Bachelor of Commerce -
Annamalai university
Higher Secondary -
Sharjah Indian High School
High School -
Woodside High School
a
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