Karim Mohamed Abozaid
Banker
Cairo
Summary
Experienced banking professional with 7+ years in financial operations across diverse sectors. Skilled in complex reconciliations, regulatory compliance, and improving operational efficiency. Known for reliability, strong analytical abilities, and team collaboration that boosts business resilience and client satisfaction. Demonstrates in-depth knowledge of banking procedures and commitment to delivering results in high-stress settings.
Overview
15
15
years of professional experience
1
1
Certification
1
1
Language
Work History
Cash & ATM Operations Senior Officer
Commercial international bank CIB
Cairo, Cairo Governorate
02.2017 - Current
- Handling ATM reconciliation, discrepancy resolution, and ensuring accurate financial settlements.
- Responsible for daily reconciliation of ATM transactions, ensuring accurate settlement and timely resolution of discrepancies.
- Review ATM proof sheets to verify balances, dispensed amounts, captured cards, deposits (BNA), and FOREX operations.
- Conduct issuer reconciliation for CIB cards and GL account proofs, investigating and resolving outstanding entries.
- Collaborate with branches and settlement teams to handle customer complaints and ATM-related inquiries efficiently.
- Retrieve ATM electronic journals to investigate variances and issue adjustment memos for affected accounts (retail, credit cards, Visa/Master card/123).
- Ensure compliance with internal policies and maintain high operational standards within the Card Center department.
Credit Cards Production Senior Officer
Commercial international bank CIB
08.2016 - 02.2017
- Oversee the end-to-end issuance, personalization, and delivery processes of credit cards while ensuring accuracy, efficiency, and compliance with bank policies and regulatory standard.
- Supervise the daily credit card production operations, including issuance, personalization, and dispatch processes.
- Ensure timely and accurate card generation for new accounts, renewals, replacements, and reissues.
- Ensure full compliance with security standards (PCI DSS) and internal controls related to card handling and data protection.
- Collaborate with the Credit Cards, Risk, and Fraud departments to handle urgent card issuance or special requests.
- Generate regular reports on production volumes, turnaround times (TAT), and exception cases.
Legal Recovery & Verdict Supervisor
Commercial international bank CIB
01.2015 - 08.2016
- Manage and supervise all legal recovery activities related to delinquent accounts and finalized verdicts, ensuring proper execution of legal actions, coordination with external legal entities, and adherence to banking regulations to maximize recovery and mitigate credit risk.
- Supervise legal recovery processes for non-performing and charged-off accounts, ensuring timely execution of court verdicts and enforcement procedures.
- Coordinate with internal departments (Retail Collections, Legal, Credit) to assess case status and determine appropriate legal action.
- Follow up with external law firms and bailiffs to ensure the efficient execution of judgments and settlement agreements.
- Review and validate court verdicts, ensuring accuracy before enforcement, and initiate legal procedures for recovery (seizures, garnishments, etc.).
- Support negotiations with delinquent customers to reach settlement agreements before or after verdict issuance.
Retail Collections Officer
Commercial international bank CIB
06.2010 - 12.2014
- Responsible for following up on delinquent loan accounts, contacting customers to ensure timely repayment, negotiating payment plans, and minimizing default rates in line with the bank's credit policies and regulatory requirements.
- Monitor overdue loan accounts and initiate proactive follow-ups via phone or in-person visits.
- Coordinate with legal and recovery teams for escalation of high-risk or non-responsive accounts.
- Prepare daily, weekly, and monthly reports on collection performance and delinquency trends.
- Collaborate with the credit and risk departments to mitigate potential losses.
- Achieve assigned collection targets and contribute to overall portfolio quality improvement.
Education
Bachelor - English Commerce and Business administration
Helwan University
CAIRO 05.2009 - 05.2009
High School Diploma -
Horus Language School
Cairo, Egypt 05.2003 - 05.2003
Skills
- Strong Analytical & Problem-Solving Skills
- Strong negotiation and communication skills
- Strategic Decision Making
- Risk Mitigation Planning
- Credit Analysis & Risk Assessment
- Financial Reporting & Accuracy
Certification
Banking Credit & Risk Management (American University in Cairo)
Timeline
Banking Credit & Risk Management (American University in Cairo)
05-2023
Cash & ATM Operations Senior Officer
Commercial international bank CIB
02.2017 - Current
Credit Cards Production Senior Officer
Commercial international bank CIB
08.2016 - 02.2017
Legal Recovery & Verdict Supervisor
Commercial international bank CIB
01.2015 - 08.2016
Retail Collections Officer
Commercial international bank CIB
06.2010 - 12.2014
Bachelor - English Commerce and Business administration
Helwan University
05.2009 - 05.2009
High School Diploma -
Horus Language School
05.2003 - 05.2003
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