Job Description
Governance:
- Lead Governance team to ensure highly efficiency and effectiveness in the overall business cycle and to maintain smoother processes & procedures.
- Responsible for designing, implementing Business banking internal processes to enable high level of service, profitability with a well-balanced view on controls & efficiencies.
- Regular review & update for SOP's & work instructions for all SME department.
- Ensure that all open items in retail audit reports (CBE/Head & Egypt Audit/Egypt ICU) are properly closed on target dates, and ensure no repeated comments in future
- Ensure process alignment within sales for quality input of application, smoother flow & ensuring no leakages.
- Design Visits plan for sales offices & branches for reviews including clean desk reviews.
- To directly assist unit manager in strategy/ policy/ process roll outs and any delegated authority.
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Incentives:
- Reviewing Business Banking Incentive scheme in line with business strategy.
- Validate calculation logic along with condition applied at new initiated working.
- Manage to get needed approval / confirmation for new initiated working from all stake holders.
- Manage all sales achievements templates & queries are updated properly and on-time
- Mange Validation process for incentives workings & coordinate with all stakeholders to get needed confirmation for payouts.
Quality & Internal Control:
- Ensure that monthly exception report updated with all exceptions occurrence within Egypt Business banking.
- Periodical review of system access to ensure only authorized retail staff
- Ensure coordinators accredited by risk to check the sales controllable rejects upfront.
- To ensure fraudulent applications are detected on a best effort basis & highlighted to FB&I for further investigations.
- Handling SME portfolio review in line with regulatory, legal and internal policy: KYC, FATCA, UBO, CRs, IDs, PPs, Dormant, Deceased, Minor.
- Review and recommend changes to operating procedures (where required) to streamline the processes.
- Providing recommendations of key controls and improvement opportunities, and ensuring these controls are embedded within the revised processes
- Identify weakness in the effectiveness of controls and key processes and providing appropriate recommendations for improvement to minimize risk and safeguard the bank's assets.
- Ultimately responsible for developing and implementing risk mitigating actions within area by thoroughly understanding the cause and effect of each risk.
- Monitoring control related trainings such as Fraud awareness, AML & Terrorist financing IT Security etc.
- At subsidiary level, serve as independent contact for any employee wishing to report a suspected or detected compliance violation
- Providing recommendations of key controls and improvement opportunities, and ensuring these controls are embedded within the revised processes
- Identify weakness in the effectiveness of controls and key processes and providing appropriate recommendations for improvement to minimize risk and safeguard the bank's assets.
- Ultimately responsible for developing and implementing risk mitigating actions within area by thoroughly understanding the cause and effect of each risk.
- Ensure having a healthy portfolio by let the team members abiding to the process of portfolio maintenance.
- Ensure have an escalation process for each item that must be tracked and fulfilled to avoid any delay in abiding for MB process processes.
- Apply and implement all recommendation raised by Compliance team.
- Ensure effective usage of CRM in tracking of sales staff KPAs
- Provide all line managers with analysis over the portfolio/ KPIs status and portfolio management status.
Sharing of Best Practice to enhance Brand Value for Mashreq and staff:
- By coaching and supporting team members in their activities; encourage a learning environment and create a development path; performance management of poor performers; maintaining high levels of communication.
- Monitoring control related trainings such as Fraud awareness, AML & Terrorist financing IT Security etc.
- Ensure full awareness/ conscience of all the processes/ procedures to of business.
