Summary
Overview
Work History
Education
Skills
Additional Information
Experience Snap
Timeline
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SHERIF JULIAN

SHERIF JULIAN

Banker- Digital Services Delivery Lead
Dubai

Summary

Senior banking and finance professional offering 10+ years of progressive experience in Digital platforms, Service delivery, Customer experience, Operational Risk assessment, Controls & Governance, Quality Assurance, Credit Risk and Customer Service. Have excellent communication, analytical, decision making, time management and leadership skills. Dedicated Banker professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Overview

20
20
years of professional experience
3
3
years of post-secondary education
2
2
Languages

Work History

Digital Services Delivery Manager

Wholesale Banking Group, ADIB
Dubai
08.2019 - Current
  • Manages the onboarding team and assure his team is providing the full support to all the non- individual customers in requests related to the digital channels and other GTB products
  • Facilitate a strong control environment, and maximize efficiency through quality assessment, and monitor service delivery against agreed SLAs
  • Managing the distribution of the received digital products applications and documents to the digital onboarding team and make sure customers’ requests are processed as per the agreed
  • SLAs
  • Monitor the work done by the digital onboarding team and assure that related processes are being followed
  • Monitor the call back verification (CBV) with the authorized persons as per ADIB’s policy
  • Provide monthly feedback to the branches/Implementation in order to enhance the process and reduce number of rejected cases
  • Manage the process of activating customers’ token as per ADIB’s policy
  • Conduct quality assurance checks in order to maintain certain service standards
  • Highlight best practices and provide recommendations to improve digital onboarding journey and service standards
  • Liaise with Product Experience regarding any potential areas of improvement
  • Ensure the optimum customer experience throughout the onboarding journey
  • Risk Assessment & Control Assurance

Risk Assessment & Control Assurance Team Lead

Retail Banking Operations, ADIB, Abu Dhabi, Emirates
10.2017 - 08.2019
  • Responsible of drafting, reviewing and updating the department Risk & Control Self-
  • Assessment (RCSA) to ensure that all operational risks are covered and mitigating controls and embedded
  • Performing the Control Testing exercise for all areas within Retail Operations to ensure effectiveness of the controls in terms of design and performance, highlight ineffective controls, raise and follow up of corrective action plans
  • Coordinate, perform and support the assessment of controls adequacy and strength in Retail
  • Operations, and recommends management action to ensure a stable risk profile
  • In charge of updating the department Key Risk Indicators (KRI’s), establishing their rating methodology, report “Red” indicators and recommend action plans with thorough analysis of root cause to permanently eliminate the reoccurrence of the issue
  • Monitoring the implementation of action plans to address medium and red key risks on the risk and control self-assessments/risk registers
  • 3
  • Reviewing the Standard operations procedures of all areas within Retail Operations, assists in identifying areas where process efficiency can be enhanced and recommends valuable process enhancement
  • Raise addendums/Memo’s to the current SOP’s where a change in process or procedures needs to be introduced/ implemented, obtain Head of Department concurrence and involved stakeholders sign-offs
  • Responsible of establishing and reviewing the Service Level Agreements (SLA’s) internally within different units in Retail Operations and with Stakeholders/Business Units
  • Ensure that all activities are being performed as per the Service Level Agreements (SLA’s) between Retail Operations and other Stakeholders/Business Units
  • Provide management with department’s dashboards, daily and monthly MIS and KPI’s.

Quality Assurance Controller

ADIB, Abu Dhabi, Emirates
06.2016 - 10.2017
  • Assists Business Units in implementing QA framework and embedding policies and governance structures across it
  • Assists Business Units in identifying areas where process efficiency can be enhanced and recommends valuable process enhancement
  • Analyzes processes and operating practices within the bank and issues reasonable opinion on their efficiency considering opportunities for automation
  • Assists in Planning, Organizing and carrying out the Control Testing activities including preparation of Key controls to test, Plan, Scheduling and assigning work and assess estimated resources required
  • Ensures that key controls are identified, reported, analyzed and incorporated in the control testing procedures
  • Assist in identification of key control reports required to form an opinion about effectiveness of internal control on business division’s levels
  • Undertake timely escalation of issues / incomplete or delays in receiving the reports to the
  • Head of Quality Assurance
  • Collect control testing results from business units and analyze major gaps
  • Perform a Quality Assurance tests on the reported control testing results based on sample approach
  • Issues warnings related to any weaknesses in internal control system of the Business Units
  • Assists in performing periodic evaluation of internal controls over different process and provide an opinion about their effectiveness
  • Ensure all key control reports from key control functions and business divisions are received on a timely basis and maintain a clear tracking mechanism including inventory of these reports.

Senior Credit Analyst

ADIB, Dubai- United Arab Emirates
03.2015 - 06.2016
  • Supervising team of 5 analysts responsible for analyzing and quantifying data and preparing credit appraisals
  • Reviewing the Credit appraisal prepared by the credit analysts to determine the degree of risk in extending credit and making underwriting decisions up to my approval limit or give recommendations to Credit Review Manager
  • Analyzing thoroughly customer financials and company profile to make sure that business has good management record and financially fit
  • To highlight risk factors, mitigation, weaknesses and strengths in each credit application
  • Provide recommendations in accordance with product policy, customer capabilities and prospects and set required covenants
  • Assisted financially stressed customers by offering solutions to prevent going delinquent
  • Work collaboratively with credit team and participate into communicative work spirit
  • Trained, supervised and conducted performance evaluation for credit analysts
  • Adhere to KPIs of application processing and required targets.

Credit Officer

Union National Bank, Abu Dhabi, Arab Emirates
11.2012 - 02.2015
  • SME
  • Credit Risk – Business Banking, Receiving complete set of customer financing proposal
  • Verify genuinely the customer financial statements in accordance with customer category and bank’s policy requirements for the category
  • Analyzing thoroughly customer financials and company profile to make sure that business is has good management record and financially fit
  • To highlight risk factors, mitigation , weaknesses and strengths in each credit application
  • Provide recommendations in accordance with product policy, customer capabilities and prospects
  • Adhere to KPIs of application processing and required targets
  • Complete any other assignments assigned by the management.

Customer Service Officer

Union National Bank, Sharjah – United Arab Emirates
10.2008 - 11.2012
  • Handled the opening of accounts, fixed deposits personal loans, credit cards etc
  • Assessed the needs of potential customers and offered appropriate financial products and services; dealt with the existing prospective clients to develop business
  • Generated new business to assist meeting financial goals for the Bank and strived to minimize the operational losses
  • Marketed the full range of retail banking products and services in order to achieve an acceptable level of income, economic profit and risk in line with agreed business plans
  • Maintained daily communications with customer for proper guidance to their inquiries in order to educate them and promote bank products
  • Worked closely with the Sales team to build
  • Customer satisfaction
  • Submitted credit applications to management with recommendations according to the bank’s authorized limits ensuring that credit standards of the institution are respected
  • 5
  • Reviewed and updated all credit files to ensure completion and accuracy
  • Prepared statements on delinquent accounts and forwarded irreconcilable accounts for collector action.

Customer Service Representative

Commercial International Bank
Cairo
03.2007 - 09.2008
  • Attending Branch walk in customers for opening Corporate, Individuals & Share-Trading accounts
  • Processing ATM Cards & Cheque books requests
  • Providing financial advices and processing Credit Cards, Personal Loans & Car Loans
  • Issuing
  • Liability letters, Balance Confirmation, & Clearance Letters
  • Coordinating with Group Compliance & KYC issues related to Anti -Money Laundering regarding
  • Jointly responsible for handling Vault Keys, checking Currency in Till and Teller possessions
  • Fortnight verifications for tellers' currency and Customer service executive ATM cards possessions
  • Performing Financial Transactions of Funds Transfers, Salary Credits of Payroll Accounts

Customer support Agent

Exceed
Cairo
03.2005 - 03.2007
  • Receiving customers inbound calls handling their queries and guide them through the correct steps from Microsoft data base in solving the issues they are facing
  • Escalating complicated issues to the second tier of advance technical support
  • Resolving client queries/complaints by providing proper guidance and creating service and replacement orders where needed.

Chain Restaurant Manager

Brando's Restaurant, MA
04.2002 - 01.2005
  • Managing 2 restaurants activities in all deferent aspects from financial control, personnel, quality and hygiene control
  • Managing day to day financial transactions of supplier's invoices, utility and maintenance bills
  • Responsible for ordering the stores supplies on weekly and daily basis through evaluating and estimating the usage and the turnover of the materials used
  • Clearing the cash registers at the end of the business day by matching the actual income with the transactions generated from the tally roll, and maintaining a start up balance for next working day
  • Recruiting and training new employees to reach the standards preset by the management
  • Responsible of staff payroll by tracking each staff working hours on weekly basis to determine his wage.

Education

Bachelor of Commerce - Accounting

Ain Shams University
Cairo, Egypt
09.1997 - 06.2000

Skills

Digital banking products and services

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Additional Information

Egyptian/Greek National, lives in Dubai since 2008, speaks Arabic and English, a loving father of 2 girls and a boy, athletic and a people person.

Experience Snap

Digital Services Delivery Lead Aug 2019 - Current
Wholesale Banking Group

Risk Assessment & Control Assurance Team Lead Oct 2017 – Aug 2019
Retail Banking Operations
Quality Assurance Controller Jun 2016 – Oct 2017
Operational Risk Management
Senior Credit Analyst- SME Mar 2015 – Jun 2016
Credit Risk - Business Banking
Credit Officer- SME Nov 2012 – Feb 2015
Credit Risk – Business Banking
Customer Service Officer Oct 2008 – Nov 2012
Retail Banking
Customer Service Representative Mar 2007 – Sep 2008
Retail Banking
Customer support Agent Mar 2005 – Mar 2007
Call center
Chain Restaurant Manager April 2002 – Jan 2005
Brando's Restaurant

Timeline

Digital Services Delivery Manager

Wholesale Banking Group, ADIB
08.2019 - Current

Risk Assessment & Control Assurance Team Lead

Retail Banking Operations, ADIB, Abu Dhabi, Emirates
10.2017 - 08.2019

Quality Assurance Controller

ADIB, Abu Dhabi, Emirates
06.2016 - 10.2017

Senior Credit Analyst

ADIB, Dubai- United Arab Emirates
03.2015 - 06.2016

Credit Officer

Union National Bank, Abu Dhabi, Arab Emirates
11.2012 - 02.2015

Customer Service Officer

Union National Bank, Sharjah – United Arab Emirates
10.2008 - 11.2012

Customer Service Representative

Commercial International Bank
03.2007 - 09.2008

Customer support Agent

Exceed
03.2005 - 03.2007

Chain Restaurant Manager

Brando's Restaurant, MA
04.2002 - 01.2005

Bachelor of Commerce - Accounting

Ain Shams University
09.1997 - 06.2000

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SHERIF JULIANBanker- Digital Services Delivery Lead