Mohamed Refaat Hassan El Zanfally

Address: ** ** ***** **,.- *** Maadi- Cairo - Egypt

Tel: + (202-********

Mobile: + (2-010*-*******

E-mail: adupnk@r.postjobfree.com

Summary

During the course of my career, traversing 20 years’ experience in the financial services, I have gained a sound knowledge of risk management and am skillful in regulatory and compliance matters; I have established a robust set of skills across the Banking sector in the region. Where I retain a dominant commitment to achieve targets/objectives, a motivation for excellence, and the ability to properly handle and satisfy the evolving bank needs, throughout a continuous improved approach to the practice of risk management through my knowledge of international standards and best practices to deliver a significant change. I am a strong believer of the vast opportunity for change, offered through progressive approach. Based on my diverse experience I can uniquely position myself as Specialist in (Risk Management & Compliance/ Disaster Recovery/ business continuity planning) which allows me to acquire detailed knowledge ranging from aligning business strategy to Risk, all the way to standardization. My foremost goal is to make a flavored difference and progress in the field of risk management. I am ambitious, dynamic and accountable professional who is tenacious to deliver higher than expectations and looking to magnify my capabilities by earning a greater responsibility and larger challenges.

Objective

Working in an environment of creativity and motivation where I have the chance to develop my career.

Education

May 2020: CCO (Certified Compliance Officer)

March 2015: MBA/Banking & Risk Management: Paris ESLSCA Business School.

GPA: 3.63

July 2003: Bachelor of Commerce: Cairo University, English Section.

Major: Accounting.

Grade: Good.

Working Experience

(2022 till now) AUR Microfinance Company

Title: Chief Risk Officer

Reporting to CEO, Board Risk Committee & FRA

Responsibilities are:

Checking all credit cases that exceeded 70 k as a member in the higher credit committee

Perform risk reports monthly, quarterly and yearly and presented them to the board risk committee and group risk committee.

Training employees on how to manage different risks.

Manage Portfolio, Operational, financial and Credit risks.

Developing the risk appetite of the company and setting up the thresholds for strategic risks and monitoring it periodically.

Reviewing all polices and procedures before being implemented.

Maintain the quality of the portfolio by monitoring Portfolio at Risk Monthly, Quarterly & Yearly

Monitoring the financial position and financial ratios of the company periodically

Review all outsourcing contracts.

Publish the outsourcing policy to mitigate outsourcing risks.

Responsible for reporting to the Risk Committee & FRA.

Member in the performance and executive committee.

Managing the operational risk by developing incident database, RCA & KRIs.

Reviewing all new products business plans and assess all risks related to it.

Participate in all new projects and assess all inherent risks embedded in the project.

(2022 till 2022) Pharos Microfinance Company-Kashat

Title: Head of Risk Management

Reporting to CEO, Board Risk Committee & FRA

Responsibilities are:

Manage Portfolio, Operational and Credit risks

Setting the risk strategy

Reporting the high-risk incidents to board risk committee

Review all outsourcing contracts

Review and modify the provisions calculations

Put the write off policy

Follow up with FRA all their observations toward the company’s operations

Developing the pricing policy based on FRA regulations

Develop the Nano policy based on the FRA regulations

Analyzing customer complains to define the control gaps on the process and the actions needed to control these gaps.

(2020 till 2022) Vitas Microfinance Company

Title: Head of Risk & Compliance & AML

Reporting to CEO, Board Risk Committee & FRA

Responsibilities are:

Manage Portfolio, Operational and Credit risks

Setting up the Risk & Compliance & AML framework, polices & procedures.

Developing the risk appetite of the company and setting up the thresholds for strategic risks and monitoring it periodically.

Managing the credit review process and ensure that granting loans process implemented in an effective way.

Assess embedded risks in all the company’s procedures and put action plans to overcome all control gaps.

Maintain the quality of the portfolio by monitoring Portfolio at Risk Monthly, Quarterly & Yearly

Managing the collection process to ensure collections rates are in safe position.

Monitoring the financial position and financial ratios of the company periodically

Review all outsourcing contracts.

Publish the outsourcing policy to mitigate outsourcing risks.

Responsible for reporting to the Risk Committee & FRA.

Member in the portfolio committee, Fraud committee and executive committee.

Managing the operational risk by developing incident database, RCA & KRIs.

Develop the risk appetite report and monitoring thresholds periodically.

Managing the Anti-money laundry function

Reviewing all new products business plans and assess all risks related to it.

Participate in all new projects and assess all inherent risks embedded in the project.

(2019 till 2020) Bank ABC

Title: Operational Risk Senior Manager

Reporting to: Head of Operational Risk

Responsibilities are:

●Creating the Board Risk Committee Reports & Operational Risk Committee Reports.

●Covering all CBE Comments related to the operational risk tools and functions.

●Manage all operational risk tools (Incident Reporting, RCSA & KRIs)

●Spreading the risk culture all over the Bank by conducting awareness sessions to all levels of staff.

●Setting the risk appetite for operational risk.

●Insuring that the group wide control standards are being implemented effectively by all ABC EGYPT business units.

●Performing a control testing to each business unit in order to be insure that all controls are working effectively and in case of any control gaps setting action plans with target date on the GRC tool and follow up with the business unit till the gap has been covered.

●Cooperating with compliance for analyzing the customer complaints and takes the necessary actions to prevent from reoccurrence.

●Analyzing all risk events reports received from business units to identify the root causes of the risk and setting the action plans with target dates on the GRC tool to mitigate such risks.

(2017 till.2019) Egyptian Gulf Bank

Title: Operational Risk & BCM Manager

Reporting to: Head of Operational Risk

Responsibilities are:

●Manage the incident management function in order to insure proper handling for all operational risk incidents.

●Managing the RCSA project to cover all the sectors and follow up with the business units to cover all control gaps identified within the risk assessment.

●Participate on setting out and updating policies and procedures necessary to continue or restore the operations of the bank in the event of a disruption.

●Conducting an awareness session for all levels of the bank’s staff about the necessity of the operational risk.

●Reviewing procedures, contracts to insure that the processes are in line with the operational risk standards.

●Establish outsourcing, RCSA & KRIs polices.

●Assisting the Head of operational risk in preparing the quarterly reports to be presenting to operational risk committee (ORCO) and risk board committee (BOD).

●Promotes the role of operational risk throughout the bank.

●Setting the operational risk appetite.

●Participating in the preparation of ICAAP.

●Participating in spreading the concept and standards of the enterprise risk management all over the bank.

(2010 Till 2017) BLOM Bank Egypt

Title: Operational Risk and Fraud Assistant Manager

Reporting to: Operational Risk Senior Manager

Responsibilities are:

●Aggregating and analyzing risk events reported by the business units into the Basel 2 categories.

●Participate in developing the fraud unit by setting out its procedures that insure to save the bank from any fraud activities.

●Managing all tasks related to the fraud unit.

●Participate in developing the business continuity plan (BCP).

●Participate on setting out policies and procedures necessary to continue or restore the operations of the bank in the event of a disruption.

●Participate on developing a Business continuity management process and plan.

●Periodically conduct business impact analysis (at least once a year) to identify the missions’ critical activities and vulnerability for major disruptions.

●Facilitating testing plans to ensure that team members are aware of their roles and responsibilities in the event of the disruption.

●Ensure that the bank’s response to the disruption is communicated internally to the applicable parties.

●Identify internal and external threats that could cause a disruption and assess their probability and impact.

●Specify events that should prompt implementation of the plans.

●Conducting an awareness session for all levels of the bank’s staff about the importance of the operational risk.

●Responsible for reviewing and amending all the system access privileges for all levels of employees to make sure that every level have the right system access privileges that meet the work need and not contradict with the requirement of the central bank of Egypt requirements.

●Have an approval authority on any commercial transfers implemented with foreign currencies.

●Implementing a business line-mapping project from scratch.

●Performing root cause analysis on identified risk events to recommend improvements to prevent these risk events from re-occurring in the future.

●Monitoring the implementation of action to ensure proper implementation to operational risk recommendation and prevent reoccurrence.

●Analyzing identified trends in the key risk indicators reported to risk management.

●Assisting the principle risk owners and principal risk coordinators with the identification of key risks and mitigating controls in their business units as well as action plans to address any gaps in the mitigating measures identified.

●Conducting RCSA for different sectors like central operations, Branches…

●Monitoring the implementation of action plans to address medium red key risks on the risk and control self-assessment/risk registers.

●Assisting the operational risk manager in preparing the quarterly reports to be presented to operational risk committee (ORCO) and risk board committee (BOD).

●Assists in developing the operational risk policies and procedures.

●Examines all new products proposals and provides comments and recommendations regarding the operational risk implication and the adequacy of proposed policies, systems and controls.

●Evaluates the proposed control environment of new contracts and recommends improvements.

●Examines all the customer complaints and provides comments and recommendations in order to mitigate such risks from reoccurrence.

(2008 Till.2010) BLOM Bank Egypt

Title: Head Teller and Operations

Reporting to: Branch Manager

Responsibilities are:

●Review branch daily cash transactions.

●Review and verify swift messages.

●Issue and sign draft cheques.

●Perform daily cash balances.

●Approve transactions over the teller limit.

●Process incomings bills.

●Supervising tellers.

●Solving daily problems with customers.

●Evaluate teller’s performance and transfer my ideas about tellers to branch manager.

●Review all checks deposits incomings and checks under collection.

(2004 Till 2008) NSGB

Title: Head Teller

Reporting to: Head of Operations

Responsibilities are:

El Batal Ahmed Abd El Aziz branch

●Review all checks, deposits, incomings and checks under collection.

●Review the balances of the main vault of the branch and provide tellers with cash within the day.

●Check that work of tellers is done correctly and review their transactions every day.

●Give signature verification for checks and customer requests.

●Responsible for checks under collection and transfers of the branch customers.

●Responsible for collection of retirement checks of the branch and collection of installments of personal loans program called (judges' club loans program).

Projects:

1.Core banking system upgrading projects (all its phases).

2.Implementation of retail workflow system (all phases of implementation).

3.Establishment of Anti – fraud unit and putting its procedures.

4.Establishment of operational control sector.

5.Electronic archiving system.

6.Launching E- Banking services.

7.Launching Mobile-banking services.

8.Lunching mobile wallet services.

9.Project for Granting PCI-DSS license.

10.Business continuity management project in 3 different entities

Certificates and courses

●Advanced Operational Risk certificate course.

●Risk management course from EBI (Egyptian banking institute).

●(Basel 2) course from EBI (Egyptian banking institute).

●ADFIMI-IDWBE joint training seminar in Operational risk and Basel2.

●Financial reporting standards from Federation of Egyptian Banks (FEB).

●Banking course in Money laundry.

●Detection of Forgery and Falsification (Documents).

●Introduction to Corporate Governance from EBI (Egyptian banking institute).

●Detection of Forgery and Falsification (Currencies).

●BCLE-2000 from DRI (Disaster Recovery Institute) International

●Internal Assessment - COSO - ERM Based Program_23868

●FATCA awareness session.

Language Skills

●Natively fluent in spoken and written Arabic and English Languages.

●Great knowledge of statistical tools and its uses in operational risk data.

Computer Skills

●Excellent Knowledge of MS Office (MS Word, Excel, PowerPoint).

●Internet Applications for research purposes.

●Frequent internet user.

●Excellent Knowledge of internet management.

Interests

●Internet surfing, reading, social activities.

●Sports: basketball, swimming, walking.

Personal Data

●Gender: Male

●Marital status: Married

●Military service: Exempted

●Date of birth: 01/10/1981

●Place of birth: Cairo

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