Remon Nagy Tawfik Khalil
Heliopolis
Summary
Dynamic payments leader with extensive experience at Ahli Bank of Kuwait, excelling in remittance operations and compliance. Proven track record in enhancing operational efficiency and customer satisfaction. Strong analytical problem-solving skills and team leadership abilities drive successful outcomes in high-pressure environments. Expert in SWIFT messaging and electronic payment systems.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Head of payments
Ahli Bank of Kuwait
01.2021 - Current
- Oversee the full lifecycle of remittance and ACH operations, including US pension payments, staff disbursements, Corpay Direct Debit/Credit, and digital banking channels. Ensure all processes meet high standards of accuracy, compliance, customer satisfaction, and operational efficiency.
- Manage incoming and outgoing remittance and ACH activities, including US pension payments, staff payments, Corpay Direct Debit/Credit, and e-banking operations. Ensure high standards of customer service, accuracy, compliance, and time efficiency.
- Key Accountabilities
- Generic Accountabilities:
- People Management: Lead, motivate, and develop team members in accordance with HR policies and practices. Communicate operational procedures effectively.
- Productivity Management: Conduct capacity planning and analyze productivity metrics (e.g., cycle time) to drive efficiency improvements.
- Corporate Governance & Compliance: Ensure all activities align with risk, compliance, and regulatory/legal frameworks.
- Scientific Accountabilities
- Payments Monitoring & Management:
- Outgoing SWIFT messages, inward payments (LCY & FCY), ACH payments, and US pensioner payments.
- Daily transaction oversight for accuracy and compliance.
- Handle high-risk daily transactions in accordance with bank policies and procedures.
- Manage original Direct Debit mandates.
- Regulatory Compliance & Governance:
- Ensure full compliance with remittance-related regulatory requirements (including WLM/Sanctions).
- Conduct periodic reviews of the bank’s tariff and recommend necessary changes.
- Contribute to operational risk activities (e.g., risk severity assessments and BCP planning).
- Process & System Enhancements:
- Lead internal process reviews and recommend improvements.
- Contribute to the implementation and enhancement of systems.
- Improve MIS/dynamic reports to fulfill remittance reporting needs.
- Customer Service & Communication:
- Investigate and resolve operational customer complaints and issues.
- Respond to major customer inquiries and provide high-quality service.
- Handle communication and broadcasts with local and foreign banks as required.
- Training & Coordination:
- Train branch staff to ensure smooth coordination with the remittance unit.
- Provide operational support and guidance to subordinates.
- Audit & Reporting:
- Participate in audits, regulatory surveys, and internal/external reviews.
- Generate CBE and compliance reports.
- Complete staff performance appraisals and maintain operational records.
- Electronic Channels & Transfers:
- Assign and monitor outgoing transfer applications via e-banking (NON-STP queue).
- Coordinate with CLMC, Compliance, Dealers, Clearing Bank, and branches.
- Monitor STP EGP transfers via ACH system and resolve technical issues with IT.
- SWIFT Message Handling:
- Manage SWIFT messages: MT199, MT999, MT192, MT196, and MT195.
- System Support & Upgrades:
- Participate in the installation and updating of new systems and procedures.
- Remittance Unit Products & Services
- Electronic Payments
- ACH Direct Credit (including Corpay/Bulk Payments)
- ACH Direct Debit (Corpay as Creditor / Debtor Bank)
- Direct Debit Mandates (as Debtor Bank)
- Daily CBE/ACH commission reports
- Outgoing Transfers via e-Banking
- Individual LCY & FCY transfers
- Corporate LCY & FCY (with/without facilities)
- Internal transfers (LCY & FCY)
- Easy Cash service monitoring and verification
- BUNA Platform
- Inward FCY payments
- Outgoing FCY transfers
- ACH – Foreign Currencies
- 3rd Party Transfers
- Monitor new services with ABKK (IN/OUT transfers in EGP & FCY)
- Operational Excellence
- Customer Service: Handle major inquiries and complaints, ensuring smooth business coordination.
- Process Management: Develop and maintain user procedures to enhance staff performance.
- Compliance: Adhere strictly to bank policies, procedures, and CBE regulations.
- Risk Management: Oversee incident reports, RCSA activities, and periodic self-assessments.
- Business Development: Recommend improvements to prevent errors, enhance productivity, and support capacity planning.
Deputy Manager - Remittances Department & Head of Electronic Payments
Ahli Bank of Kuwait
01.2009 - 01.2021
- Key Responsibilities:
- 1. Outgoing Remittances
- - STP outgoing transfers (MT103 & MT202) ensuring timely and cost-effective delivery.
- - Expert in SWIFT messages (MTn92, MTn95, MTn96, MTn99).
- - Managing all E-payment channels.
- - Conducting performance appraisals and proposing internal process enhancements.
- - Liaising with internal departments and external bodies like CBE and EBC.
- 2. Incoming Remittances
- - Reviewing incoming transfers for accuracy in value dates and beneficiary data.
- - Communicating with ordering institutions for discrepancies.
- 3. ACH (Automated Clearing House) Operations
- - Liaison with the Egyptian Banks Company (EBC).
- - Authorizing and reviewing Direct Credit/Debit transactions.
- - Handling bulk payments, rejections, returns, and GL reconciliation.
- - Coordinating with IT and ensuring regulatory compliance.
- 4. Corpay Direct Credit
- - Managing bulk local bank payments and escalations based on client type.
- - Verifying entries and providing client reporting.
- 5. Fawry Services
- - Reconciling daily reports and ACH entries.
- - Coordinating differences with Fawry and confirming with the Reconciliation Unit.
- 6. E-Banking Monitoring
- - Managing outgoing transfers via e-banking, including bulk and FCY payments.
- - Ensuring compliance, verifying reports, and handling technical issues.
Customer Service Representative
Piraeus Bank
02.2008 - 01.2009
- - Managed customer inquiries, complaints, and credit card issues.
- - Acted as night shift team leader.
- Accounting Department Training (6 months)
- - Prepared expense entries and financial reports.
- - Handled fixed assets and depreciation.
Direct Sales Executive
Barclays Bank
08.2007 - 02.2008
- - Sold banking products: credit cards, loans, LCs, etc.
- - Achieved 3-month sales targets.
Education
Bachelor of Commerce - Business Section
Banha University
01.2007
Skills
- Communication and public speaking
- Analytical problem-solving
- Negotiation and interpersonal skills
- Self-motivated and adaptable
- Team leadership
- Volunteer experience
- Valid driver's license
Certification
- AML & CFT - Egyptian Banking Institute (May 2010)
- ACH System Training
- SWIFT Transfers & Correspondence (Jan 2011)
- Banking Operations Framework (May 2012)
- Advanced Excel (Levels 2 & 3) - New Horizon (Oct 2013)
- Customer Service Representative Course
- Marketing & Sales Course
- Operational Risk Management (May 2014)
- Creative Problem Solving & Decision-Making
Languages
Arabic: Native, English: Fluent, French: Fair
Hobbies and Interests
Reading, Sports, Travelling
Awards
Best Employee Award - 2016 (Awarded by CEO)
Timeline
Head of payments
Ahli Bank of Kuwait
01.2021 - Current
Deputy Manager - Remittances Department & Head of Electronic Payments
Ahli Bank of Kuwait
01.2009 - 01.2021
Customer Service Representative
Piraeus Bank
02.2008 - 01.2009
Direct Sales Executive
Barclays Bank
08.2007 - 02.2008
Bachelor of Commerce - Business Section
Banha University