Saif Omar Al - Azer, PhD, CPA, LUTCF, RFS, FAAFM, CHFC

Cell phone: (966-*****-****

E-mail: adu17j@r.postjobfree.com

Nationality: USA- Saudi Wife- 25 years

INVESTMENT AND BANKING MANAGEMENT EXECUTIVE

Investment & Treasury Consultant Director of Brokerage Executive Manager, Retail Banking Head of Private Banking Head of Corporate Banking AGM

Investment Executive with verifiable year after year success advising and leading investors through profitable investments, complex assets allocations models, and international diversifications. Self-motivated professional with proven abilities in strategic planning, improving efficiency of operations, and team building. Certified life underwriter with strong expertise and background in structuring and negotiating transactions and favorable terms with pension and insurance companies. Demonstrated leader with a solid record of contributions towards improved financial performance, heightened productivity, and enhanced internal controls. Extensive experience in policies, changes, and systems implementations which require deep understanding of critical business drivers in multiple markets and industries. Very experienced Trainer.

Strategic Planning Retail Profitability Risk Management Horizontal Business Growth

Staff Development-Promotion Private Banking Management Investment Banking

Private Equity Management Strategic Alliances Organization pension Planning

SELECTED ACHIEVEMENTS HIGHLIGHTS

Planned and oversaw Private Banking in branches’ first year 20 branches, and 48 private bankers in operations, increased assets under management by $ 150 million in less than one year. Manage $ 1.8 billion in bank liabilities. Commercial and operational strategy, restoring profitability, producing higher revenue gains, and winning market share in strategic and regional presence.

Reversed losses into profits, serving as catalyst for growth and expansion of struggling insurance divisions; quickly restored forward momentum, generating year-over-year profits at steady return on sales.

Transformed the poorest-performing business unit company-wide into a top-performer generating $150 M sales and 40 % profits (and growing) in period of just 2 years.

Planned and produced a certificate in investment management consisting of 14 investments, and banking courses; this used by all banks in Kuwait, and investment companies.

Wrote, and designed stock option plan, and savings plan, and golden handcuffs for banks staff, and senior managers

Mutual funds, structured and managed Islamic funds.

Head of a 50-man team of corporate bankers, producing 30% annual profits for 5 continuous years. USA

Saif Omar Al -Azer Page 2

PROFESSIONAL EXPERIENCE

The Financial Academy, Riyadh. Current

Investment, Compliance, Retail Certificate, and Anti money laundering expert advisor. Online, and in class room expert Trainer.

SAMBA Financial Group, AGM, AssociateTraining Director, CB&F 2009 – May 2020

SAMBA Professional program (SPP). 38 Training Programs. 20 weeks classroom training

Development of training programs such as SDP, Prerequisite SDP exams, Math, English, Compliance.

Design, trained the following courses, covering 3 Regions. Central-Eastern-Western. Central based.

Basic Investment course. Instructor. Program Manager.

Intermediate Investment Course. Instructor. Program Manager.

Advanced Investment course. Instructor. Program Manager.

Options/ derivatives course. Instructor. Program Manager.

Portfolio management course. Instructor. Program Manager.

Credit courses. Instructor. Program Manager. Corporate unit heads.

Financial Ratios, fundamental analysis course. Instructor. Credit courses trainer. Program Manager.

Portfolio analysis course. Instructor. Program Manager.

Fraud prevention course. Instructor. Program Manager.

Fraud Prevention expert for SAMBA financial group.

Anti money laundering course. Program Manager. Instructor.

Compliance course. Program Manager. Instructor.

Risk management course. Instructor. Program Manager.

Information Security course. Instructor. Program Manager.

Information Security expert for SAMBA financial group.

Business continuity management course. Instructor. Program Manager.

Sanction course. Instructor. Program Manager.

SAMA circulars" regulatory changes ", 2017, 2018. Instructor. Program Manager.

Series 7 training, CME1, CME2 training. Instructor. Program Manager.

Governing rules of the Islamic Financial Operations. Instructor. Program Manager.

Taddawel companies training course. Instructor. Program Manager.

Sales skills for stockbrokers’ course. SAMBA Capital. Instructor, and Program Manager.

SAMA training for Retail Staff, RBPFC Program Manager, last 7 years required by SAMA, Kingdom wide. Excellent results. 95% passing ratio. Trained all Branch staff, and Retail Managers. All regions

Program Manager. SAMBA development program. Promotion Training Program. 40 days training

Legal Aspect of Accounts opening. Program Manager.

Advanced Excel training. program manager.

Fire warden training Program. Program Manager.

Bank Bookkeeping. Instructor. Program Manager.

Basic Accounting. Instructor. Program Manager

Saif Omar Al -Azer Page 3

Investment &Treasury Consultant, IBS, Central Bank of Kuwait 2005 – 2009

Established Certificate in Investment Management which consists of 14 international investment courses. Spearheaded financial and investment training for private bankers, and corporate bankers in all banks in Kuwait. Gained tremendous international finance, regulatory Marketing, and private banking experience contacting investment companies and commercial Banks. Directs and ensures the effective achievement of functional objectives through consultation with the leadership of the Affluent/Private Banking departments at different banks. Consultation for setting departmental and individual objectives, consultation for managing performance, developing and motivating staff, provision of formal and informal feedback, and appraisal in order to maximize subordinate and departmental performance for different banks. Reviews business, financial and current market intelligence reports for different banks, in order to create short term strategy in regard to client’s needs, provide consultation on improvement in current work methods and product enhancements, in order to be well ahead of the competition for respective banks.

Executive Manager, Private Banking Division, Retail, National Bank of Kuwait (NBK) 1998 – 2004

Executive

Management

Policies &

Procedures

Manage $1.8 Billion in Bank Liabilities.

Increased Assets under Management by $150 Million in less than one year (1999)

Established Private Banking at Bank Branches. (24 New Private Bankers/ 14 Branches)

Training needs analysis for entire bank population, training plans, managing training needs, managing training department.

Reviewed selected applicants’ CVs to the bank

Conducted final interview with applicants in order to determine their acceptance to the bank

Advised on the structure of new compensation packages for new hire

Conducted full bank assessment regarding the need for new manpower, current 1700 head count.

Performed future manpower needs planning study on all bank division – 5 year plan

Introduced fast track management system for a select group of new hire

Prepares annual budget for HR for 5 consecutive years

Wrote and designed stock option plan for NBK’s staff and managers

Wrote and designed savings plan for NBK’s managers

Designed golden handcuffs benefit plan for NBK’s general managers

Trainer, general securities, mutual funds, Investment Banking, Derivatives, Series 7, Series 6, advanced investments, options, margins.

Investment Manager “Advisor”, Commercial Bank of Kuwait (CBK) Mar, 1998 –Aug, 1998

Private Equity Manager, $1.5 Billion, bank portfolio.

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Investment Training and Development Manager, The National Commercial Bank Investment Services, KSA 1991 - 1998

General

Management

Islamic

Management

NCB Saudization Recruiting Program.

Design, plan and monitor Saudization Training Program for NCB - IS

Monitoring overall performance for the sales force against assigned budgets

Overall responsibility for investment products training for the Bank.

Designing training materials, and approving materials which is used by other participants lecturers.

Organizing and teaching investment training schools Kingdom wide for Investment Services and other divisions of the Bank.

Holding investment training seminars for all NCB staff and managers.

Planning and supervising the training activities in the division.

Ensuring the Division’s growth plans are supported by enough human resources.

Channel of communication between NCB Recruiting Dept. & Division.

budgeting, planning, producing, coordination and consolidating the manual budget and plans for the investment Services Division.

Evaluation, purchasing and monitoring of capital investment management of the liquidity positions for mutual funds and brokerage purchase and sales.

Production of statements, balance details and fund performance reports for customers.

Producing and modifying the documentation relating to investment products, including customer agreement.

Producing and amending investment product guidelines including preview of proposals made by Fund Manager and setting investment guidelines.

Researching and reviewing economic industrial and market data to monitor current issues and identify trading opportunities.

Developing new investment products based on customer market needs, new investment instruments and results of market research.

Production and filing regulatory and supervisory reports and preparation for an attendance at supervisory meetings.

Development implementation and review of strategic plans including group management meeting.

Director of Brokerage, Head of Corporate Banking, The Equitable Financial Services 1978- 1992 USA.

Spearheaded a team of 600 brokers selling Capital Markets products Investment products (Stocks, Bonds,) to banks’ dealing rooms, and investment companies’ Treasuries. In charge of 50 bankers Marketing pension plans, Retirement Plans, Savings Plans, 401 K investment Plans to large, and medium size companies, and mutual funds investment companies.

Saif Omar Al -Azer Page 5

EDUCATION & CREDENTIALS

Credentials

Certified Life Underwriter Training Council Fellow (LUTCF) The Life Underwriters Training Council and the National Association of Life Underwriters, Washington, DC, USA.

Chartered Financial consultant (ChFC) Study Program American College, Bryn Mauer, PA,. USA. Courses Studied: Investment, Pension, Taxes, Financial Planning, Economics and Estate Planning. 1989

Registered Representative in the National Association of Security Dealers (Washington, DC). 1983. CME1, CME II

Licensed, Insurance, Financial, Pension and Employee Benefit Plans Specialist 1980.

OMICRON DELTA EPSILON, Honor Society in Economics, recognition high scholastic achievement in the field of economics.

SUMMA CUM LAUDE- greatest distinction in the field of economics. PhD, GPA 3.96/4.00

“President’s Cup” Awarded to Outstanding Chairman of the year, by the Nebraska Association of Life Underwriters, USA.

Registered Financial Specialist, RFS. American Academy of Financial Management.

FAAFM, Asset Allocation & Structured Products Specialist.

Doctorate of philosophy degree in Monetary and Financial Economics, with a minor in international Economics Development and trade theory. Richmond University, UK, December, 1988.

Master’s Degree of Science in Monetary and Financial Economics, with a minor in International

Economics Development and Trade Theory from the University of Nebraska at Omaha and Lincoln, Nebraska, USA. December, 1980.

Bachelor's Degree of Science in Economics, and Mathematics with a minor in accounting from the University of Nebraska at Omaha, Nebraska, USA. December 1978.

SKILLS and ABILITIES

Skills

Abilities

Superior communication skills in Arabic& English languages.

Knowledge of African, Middle Eastern, American and European cultures from personal experience.

Member, Training & Development Forum Group (TDFG).

Member, Manpower Planning Forum Group (MPFG).

Member, Saudization Committee.

Investment Management Committee.

Personal Skills & Competencies:

• Strategic thinker with vision to set direction for new markets

• Confident, Enthusiastic, Proactive, Can-do Attitude; Committed, Loyal, Honest

• Success & Results Orientated; Delivers first time on commitments; Hands-on approach, where appropriate, to ensure project delivery

• Careful organizer and planner able to manage and exploit available resources

• Direct & open style; Highly persuasive; Excellent interpersonal & presentational skills; Able to present complex information & concepts in business terms.

• Able to work independently, but promote effective team working

• Mature & highly presentable, able to win the confidence & respect of Prospects, Sales Partners, Clients, Suppliers, Consultants & Asset Managers.

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