MOHAMED SALAH SHAHIEN

• Process initiates after the facilities’ booking phase and entail assessment and close follow-up on the granted facility and Client’s business activities, by reviewing: Properness of the disbursement as per the credit terms and bank’s rules, Perfection of the Supporting collaterals, Perfection of the facility’s documentation, Report -periodically- any misconduct or fraudulent activity, Regular visits to selected branches if needed to ensure stability of the business, Recommending enhancement or new control methodology that prevent repetition of potential suspicious cases
• Follow up steams are as follows:

A

• Accounts Follow-up entails the following: Assessing facility utilization against the approved facility purpose, Reviewing clients’ proceeds’ inflows, account revolving ratios, etc., are matching with the approval conditions

B

• Clients Follow-up entails the following: Reviewing the supporting collaterals (contracts, undertakings, etc.) in view of the requested facility type and the approval conditions and ensure no breaches have occurred,
• Regular visits to the relevant branches to ensure that the branches followed all relevant instructions and regulations by checking clients’ documentation,
• Check & review client’s credit movement to ensure that client use the relevant account,
• Assigning external investigation requests to the outsourced investigation companies or our investigation department and checking for the received reports’ consistency with pre-approval phase reports,
• Channel to be conducted with the investigation Dept, to verify any suspicious documents,
• Follow up the overdraft facilities granted,
• Officially communicate and cooperate with other banks to verify any client documents and ensure the accuracy of any suspicious client’s data if needed.

• Process initiates after the facilities’ booking phase and entail assessment and close follow-up on the granted facility and Client’s business activities, by reviewing: Properness of the disbursement as per the credit terms and bank’s rules, Perfection of the Supporting collaterals, Perfection of the facility’s documentation, Report -periodically- any misconduct or fraudulent activity, Regular visits to selected branches if needed to ensure stability of the business, Recommending enhancement or new control methodology that prevent repetition of potential suspicious cases
• Follow up steams are as follows:

A

• Accounts Follow-up entails the following: Assessing facility utilization against the approved facility purpose, Reviewing clients’ proceeds’ inflows, account revolving ratios, etc., are matching with the approval conditions

B

• Clients Follow-up entails the following: Reviewing the supporting collaterals (contracts, undertakings, etc.) in view of the requested facility type and the approval conditions and ensure no breaches have occurred,
• Regular visits to the relevant branches to ensure that the branches followed all relevant instructions and regulations by checking clients’ documentation,
• Check & review client’s credit movement to ensure that client use the relevant account,
• Assigning external investigation requests to the outsourced investigation companies or our investigation department and checking for the received reports’ consistency with pre-approval phase reports,
• Channel to be conducted with the investigation Dept, to verify any suspicious documents,
• Follow up the overdraft facilities granted,
• Officially communicate and cooperate with other banks to verify any client documents and ensure the accuracy of any suspicious client’s data if needed.

• Conduct consistent visits to the allocated Group branches, using the predefined Permanent Control Program to: Verify efficiency of internal control rules, including segregation of duties, dual control… etc., Ensure proper safeguarding of branch’s assets and valuable items, Check accuracy of transactions and activities, including the necessary authorization/approvals, Discuss the finding results with the concerned staff to identify the causes and related corrective actions,
• Report any major incident (e.g.: fraud cases) at the assigned branches immediately to the “Chief Internal Audit” to take the necessary action,
• Act as a reference point for the branches with the purpose of raising staff awareness of permanent control measures and implementation methods to maintain a straight through process in the branches,
• Hold coaching sessions on a monthly basis for each branch within the group to communicate the observations detected during the month and ways to overcome the defects,
• Update ICE tool controls on a monthly basis with the observations and statistics showing progress, cause & impact, and the corrective actions for collected observations,
• Prepare a collective evaluation report indicating all significant deficiencies as well as any problems faced by the Controller during his assignment and communicate report to concerned Group Head & Branch Managers,
• Participate in conducting investigations requested by Internal Audit Department in case of any occurring issue that may affect the control environment and increase the involved risks at the branches (e.g.: cashshort/over, internal/external fraud cases),
• Ensure the correct functioning and implementation of the Permanent Supervision, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible,
• Ensure the correct adoption of policies and procedures in order to guarantee that the bank business is conducted in compliance with Local Laws, Internal Rules and Regulations, as well as, International Standards,
• Monitor different areas that include operational, HR, logistical, and accounting control issues,
• Investigate the group’s HR issues in coordination with the HR Department.

• Managing the cash vault activities, revising all the tellers transactions, Supervising and revising all the transactions of internal operations and daily customers' transactions, investigating suspicious customers' transactions, Revising all the branch's reports and creating all reports requested by the head office and top management, Monitoring the overdrawn accounts and setting plans to settle them, Approving or rejecting insufficient balances checks presented from other branches and clearing house, verifying customers' signatures and confirming with them their unusual accounts' transactions, Replying other branches' and head office requests and inquiries, and working as the HR administrator of the branch.

• Supervising the cash vault activities, and assisting tellers in handling complex customer transactions, Revising all the tellers' transactions, Assisting the Operations Head in supervising and revising all the accounts transactions related to internal operations and daily journals, Passing customers' checks and transfers, verifying signatures and checking balances, Adjusting the main vault at the end of the shift.

• Executing all the daily cash transactions in local and foreign currencies such as receiving deposits and loan payments, cashing checks, verifying the customers' signatures, Counting and packaging currencies and coins, Balancing cash and checks in cash drawer at end of each shift, Promoting bank products.