Risk Management Regulatory Compliance
Resume:
Mohamed Refaat Hassan El Zanfally
** ** ***** ******, *** Maadi, Cairo, Egypt
️ ***************@*******.***
Professional Summary
Results-driven in leading the business, Risk and Compliance professional with 21+ years of experience in the banking and non-banking financial sector. Proven expertise in Management, Strategy, Leadership, Risk Management, Business Continuity Management (BCM), Operational Risk, Credit Risk, and Regulatory Compliance. Known for building frameworks from scratch and aligning Business & Risk practices with strategic business goals. Strong leadership, analytical skills, and regulatory knowledge aligned with CBE, FRA, and international standards (ISO, COSO, Basel II/III).
Key Skills
Strategy Development
Business Plans
Managing senior level (KPIs)
Leadership.
Communication .
Risk Management (ERM, Credit, Operational)
Business Continuity Management (BCM)
Regulatory Compliance (FRA, CBE, AML)
Portfolio Risk Monitoring
Policy Development & Review
Disaster Recovery (BCLE-2000 Certified)
Project Management
Incident & Crisis Management
GRC Reporting Tools (RCSA, KRIs, RCA)
Team Leadership & Staff Training
Professional Experience
Chief Executive Director & Managing Director - RALight for Microfinance- startup company 2025 – Present
Define and execute the company strategic vision and the road map in line with Egypt’s financial goals and market needs.
Align business model with FRA & CBE regulations.
Oversee day-day operations across product, credit, risk, technology and customer service.
Manage budgets, financial planning and fundraising from investors and development finance institutions (DFIs).
Approve and monitor credit policies, risk appetite and underwriting models.
Represent the company to external stakeholders including investors, banks, DFIs, regulators and NGOs.
Lead investor relations and ensure regular reporting to the board and founders.
Recruit and develop a strong leadership team across product, tech, credit, compliance and marketing.
Track KPIs ( Loan disbursements volume, repayment rates, operational efficiency ).
Director of Risk & BCM – Reefy Financial Services – CI Capital Subsidiary 2024 –2025
Built full BCM framework, policies, and recovery strategies.
Developed BIA, alternate site readiness, and vital resource planning.
Prepared and delivered risk reports to Board and FRA.
Oversaw credit risk reviews > EGP 70K.
Led risk appetite strategy and thresholds monitoring.
Trained teams in risk identification and control methods.
Director of Risk & BCM – AUR Microfinance Company 2022 – 2024
Same scope as Reefy, with added responsibility for policy review, outsourcing risk, financial health monitoring, and committee participation.
Managed incident database, RCAs, KRIs, and product risk assessments.
Head of Risk Management – Pharos Microfinance – Kashat 2022-2022
Managed Operational, Credit, and Portfolio Risk.
Designed pricing, Nano - finance, and write-off policies.
Reviewed outsourcing contracts, analyzed customer complaints for process gaps.
Head of Risk, Compliance & BCM – Vitas Microfinance Egypt 2020 – 2022
Led full development of risk, AML, and BCM frameworks.
Oversaw loan origination review and credit processes.
Managed fraud, outsourcing, new product, and risk appetite frameworks.
Developed KRIs and incident reporting systems.
Senior Manager, Operational Risk – Bank ABC Egypt 2019 – 2020
Produced risk reports for Board/ORC.
Ensured alignment with CBE and group risk controls.
Conducted control testing and RCA with GRC tool.
Operational Risk & BCM Manager – Egyptian Gulf Bank 2017 – 2019
Built BCM and OR framework; led RCSA projects.
Set up risk appetite and ERM awareness across bank.
Operational Risk, BCM & Fraud Assistant Manager – BLOM Bank Egypt 2010 – 2017
Managed fraud unit, BCP testing, and risk events analysis.
Approved foreign currency transfers and reviewed system access controls.
Head Teller & Operations – BLOM Bank Egypt 2008 – 2010
Head Teller – NSGB (Now QNB AlAhli) 2004 – 2008
Education & Certifications
MBA in Risk Management, Paris ESLSCA Business School, 2015 (GPA: 3.63)
Bachelor of Commerce (Accounting), Cairo University, 2003
Certified Compliance Officer (CCO), 2020
BCLE-2000 – Disaster Recovery Institute International, 2014
Advanced Operational Risk Certificate – Frankfurt Business School, 2014
Courses & Training
COSO ERM, Basel II, Operational Risk – EBI
Financial Reporting Standards – FEB
AML, FATCA, Corporate Governance – EBI
Document & Currency Forgery Detection
Languages
Arabic: Native
English: Fluent
Technical Skills
Microsoft Office (Word, Excel, PowerPoint)
Internet Research & Management
Risk Analysis & Reporting Tools
Personal Information
Nationality: Egyptian
DOB: 01 October 1981
Marital Status: Married
Military Status: Exempted
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