Doha

Qatar

Mobile:+974-********

E_mail:adup4v@r.postjobfree.com

Sally Hammoud

Personal

Information

Objective

Place and Date of Birth Dubai 01/03/1981

Gender: Female

Marital Status: Married

Nationality: Lebanese

Resident of: Qatar

A challenging position where the acquired skills and experience will be utilized towards continuous growth and advancement for the company & self.

Experience

Sep/2021–Present General Takaful Insurance Co. Doha-Qatar Compliance & AML Officer

Developing, reviewing and evaluating the AML/CFT policies and procedures to enable effective detection of relevant risks.

Conducting periodical testing on KYC, customer due diligence and high risk customers monitoring procedures to ensure compliance with QCB regulations.

Obtaining Board of Directors’ approval for dealing with PEPs and other high risk customers.

Daily reviewing of alerts generated by the AML system and performimg EDD for suspected exact or near matches to names on the sanction lists.

Acting as the primary point of communication with the regulators – QCB and responsible for maintaining and updating all the company’s information on QCB portal.

Raising suspicious transaction report (STR) to the Financial Information Unit (FIU) whenever detecting abnormal / suspicious customer’s activity.

Preparing and submitting quarterly, semi-annually and annual reports for both QCB and the Board of Directors.

July/2020–Feb/2021 Commercial Bank of Qatar Doha-Qatar Quality Assurance Analyst

Responsible for performing and documenting all applicable customer verification processes related to the assigned business function and the communication and resolution of findings and other issues

Conducting customer due diligence and high risk reviews according to the bank's AML/CTF policy and procedure

Reviewing, analysing, and reporting on quality discrepancies related to KYC, Risk methodology, policies and procedures

Executing the quality assurance plan; performing reviews of risk assessments, validating remediation and regulatory issues.

Reviewing and recommending changes to mitigate risk and minimize impact of identified deficiencies.

Responsible for ensuring quality and integrity of the various elements of the AML KYC framework for Wholesale Banking, including KYC, FATCA/CRS, Due Diligence requirements, Customer Onboarding, AML Risk Grading, AML Monitoring, adherence to Policies and Procedures, and adherence to Delegation of Authority

Oct/2013–May/2018 International Bank of Qatar Doha-Qatar Operational Quality Assurance Specialist

Acting as focal point for Compliance team to perform Due Diligence for the newly opened accounts and report the suspicious ones for decision making .

Coordinating with Compliance and AML team to ensure that proper KYC is performed for bank accounts and liaising with Account RMs to complete any documentation required for the Accounts Opening .

Peparing and conducting AML Awareness training for the new joiners to improve their knowledge of AML principles according to QCB guidelines and international best practices .

Preparing the documentations and identifying the profile of the PEPs accounts in order to obtain Compliance and Senior Management approval and provide Compliance with the required information during the EDD process .

Preparing risk and control self-assessment reports (RCSA) in addition to key risk indicator reports (KRI) for retail branches and submitting the same to Senior Risk Manager for further discussion as I have been nominated and assigned as Risk Coordinator in Retail Department.

Guiding, monitoring and coaching Branch Operations Managers (BOMs) with respect to adhering to the bank’s policies, procedures and internal controls. In addition to reviewing changes in systems, policies and regulations.

Ensuring that BOMs are complying with respect to report reviewing, management of documents, clean-up exercises and implementation of policies and procedures to achieve satisfactory audit grades.

Conducting branches visits on unannounced basis to monitor branches performance against the established service quality standards and reporting the results to the Head of Branches.

Assisting the Head of Branches in identifying and analyzing route cause of all repeated issues in order to find solutions for these issues and to identify the best practices.

Reviewing existing and new bank procedures in order to upgrade both service and operational quality standards.

Implementing a robust and follow-up mechanism to check whether the actions agreed to be taken to address the noted issues have been undertaken within the agreed-upon time frame.

Paying Service Quality Monitoring visits to all retail branches to assess all of the service quality, cross selling capabilities, product knowledge, staff skills and adherence to bank’s policies and procedures.

Perform additional duties and responsibilities as required. May/2013–Oct/2013 International Bank of Qatar Doha-Qatar Operations Supervisor

Supervising the relevant operations team and ensuring the efficient processing of transactions and reconciliation of accounts to deliver a quality service while ensuring compliance with established policies and procedures and QCB guidelines.

Supervising the day-to-day operations of the unit by providing expertise, encouragement, ensuring teamwork and aligning work processes in order to achieve high performance standards.

Monitoring, controlling and signing off on a range of complex transactions

(ex. Cheques, transfers, collections, settlements, standing orders, etc.) including escalated transactions. Checking for accuracy, timelines and adherence to procedures and guidelines.

Supervising and monitoring balances and settlement and reconciliation processes (ex. debit cards/networks, banks/accounts, branches/ATM’s/vaults and loan) to minimize operational risk.

Ensuring any discrepancies claims or disputes are investigated and resolved in a timely manner.

Reviewing and approving reports (including risk and audits) for Head of Operations and QCB as required.

Ensuring that exceptions are authorized / overridden by appropriate authority as per bank regulations governing exceptions.

Perform additional duties and responsibilities as required. Jan/2012–May/2013 International Bank of Qatar Doha-Qatar Branch Operations Manager (BOM)

Responding to AML Compliance queries for Internal Investigations to gather information about specific transactions or customer profiles and have them availabile for decision making .

Detecting unusual transactions or suspicious activities and report such cases immediately to Compliance along with supporting documents .

Implementing the AML culture among branch staff to ensure the Compliance is everybody’s responsibility .

Reviewing daily journals and reports as well as checking and balancing periodically all suspense accounts to ensure all outstanding are identified and reported to the branch manager .

Ensure all customer documentation/transactions are correct in order to ensure compliance with regulations.

Fulfill the role of 2nd senior covering the branch operational function during the absence of the branch manager.

Approve financial and non financial transactions originating from the teller area and above the limit of senior tellers.

Perform surprise checks on cash, DD, packages, and all other custodies.

Ensure that all keys and combinations along with the respective custodies are distributed and maintained properly.

Perform additional duties and responsibilities as required. Jul/2007–Mar/2011 Gulf Bank Sharq-Kuwait

Senior Customer Service Representative (SCSR) (Acting Operation Manager)

Handling cash transactions and responsible for ATM and Vault management.

Selling and cross-selling bank’s products and financial services.

Issuance and cancellation of certified cheques, telexes, drafts and chequebooks.

Responsible for training new interns.

Custodian of keys and combinations of the branch and numbered forms.

Taking over Assistant Branch Manager's duties and responsibilities during absence.

Nov/2006–Jul/2007 Gulf Bank Sharq-Kuwait

Relationship Officer (RO)

Ensuring new and returning customers are received and served in a pleasing manner.

Recommending Gulf Bank’s financial services and products to serve individual requirements.

Establishing and following up customers’ accounts/relationships.

Presenting information on available services such as deposit accounts, loans, products and product alternatives.

Performing any banking transaction as needed to better serve the customers.

Handling objections and responding to queries.

Jun/2006–Nov/2006 Gulf Bank Kuwait-Kuwait

Marketing Executive

Bringing in new salary accounts, loans and credit cards.

Persuading former Gulf Bank customers to switch back to Gulf Bank.

Involving a direct selling approach to potential customers to meet challenging daily and weekly sale targets.

Promotions at a number of locations as required in Kuwait.

Handling objections and responding to queries.

Dec/2005–Jun/2006 Ramaco Medical Com. Borj Al Barajneh-Lebanon Medical Representative

Expanded territorial sales by 90%

Received company's highest award 3 months in a row.

Made excellent professional relation ships with doctors and pharmacists that made the drug's name well known in the drug market in no time. 2004–2005 Lebanese Int'l University Mosaytbeh-Lebanon Lab Instructor Assistant

Made the lab sessions more efficient.

Improved the level of the students.

Raised the percentage of success in biology and chemistry labs. 2003 Al Hadi Hospital Jabriye-Kuwait

Assistant in X-Ray Dep. and Medical Secretary in MRI Dep.

Made sure that reports are handled to patients as fast as possible.

Made it possible to examine a higher number of patients per day.

Implemented training course for new recruits — speeding profitability. 2002–2003 College ST.Matthiue L'Apotre Hadath-Lebanon Mathematics Teacher

Training Sessions

Mar 12th, 2007 IBS (Institute of Banking Studies) Gulf Bank-Kuwait

• Anti-Money Laundering.

Jan, 2007 ABA (American Banking Association) Gulf Bank-Kuwait

• 1 week training session in Customer Service.

2002 Najat's Pharmacy Jnah-Lebanon

• 2 months training session as a Pharmacist Assistant. 2002 The United Labs for Medical Analysis Ghobeiri-Lebanon

• 2 months training session as a Lab Technician Assistant. Education 1998–2002 Leb. University, Faculty of Sciences Hadath-Lebanon

"Maitrese", Biology.

1997-1998 Pine Hill College Sabtiya-Lebanon

• Bacc II, Experimental Sciences

Skills MS Word, MS Excel, Power Point, BEAM, Windows and internet.

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