Qureos Mentor

Capitex

<div>Job Title: Senior Manager - Market Conduct Risk 
Reports to: CRO 
Division: Risk Management Division 
Section/Unit: Market Conduct Risk Unit
Job Purpose
The Senior Manager &ndash; Market Conduct Risk is responsible for establishing, maintaining and enhancing the Bank's independent Market Conduct Risk Framework as part of the Second Line of Defence, ensuring effective oversight of conduct risks across the Bank in accordance with the UAE Central Bank Consumer Protection Regulation, Consumer Protection Standards, Market Conduct Risk-Based Supervision Framework, SME Customer Protection Regulation and other applicable regulatory requirements.
The role is responsible for providing independent challenge and oversight over the effectiveness of the First Line's management of conduct risks throughout the customer lifecycle, promoting fair customer outcomes, strengthening conduct culture, overseeing market conduct governance arrangements, assessing emerging conduct risks using a risk-based supervisory approach, and providing assurance and reporting to Senior Management, the Board and relevant Board Committees.
The role also supports regulatory engagements, thematic reviews, conduct risk assessments and continuous enhancement of the Bank's conduct risk governance framework.
Key Accountabilities
Governance and Oversight<ul><li>
Ensure the bank's conduct risk policy is reviewed regularly by senior management in accordance with regulatory requirements</li><li>
Define and communicate clear roles and responsibilities to operationalize consumer protection standards and conduct risk frameworks</li><li>
Conduct oversight of functions owning and embedding Code of Conduct, Conflicts of Interest, Whistleblowing, ABC in line with Consumer Protection Standards and Regulations</li><li>
Develop, maintain and continuously enhance the Bank's Market Conduct Risk Framework, methodology, taxonomy and governance standards</li><li>
Establish a risk-based conduct supervision methodology covering all business lines, products, customer segments and distribution channels</li><li>
Ensure conduct risk is appropriately integrated within the Bank's Enterprise Risk Management Framework and Risk Appetite Framework</li><li>
Provide independent oversight and challenge over First Line implementation of Consumer Protection Standards throughout the customer lifecycle</li><li>
Oversee governance relating to Vulnerable Customers and Financial Inclusion</li></ul>
Risk Assessment<ul><li>
Review controls established by first-line owners to mitigate misconduct risks in third-party dealings; escalate gaps to senior management</li><li>
Establish, maintain and regularly review a risk register for misconduct risks across all business units</li><li>
Perform enterprise-wide conduct risk assessments using a risk-based supervisory methodology</li><li>
Identify inherent and residual conduct risks across products, services, channels and customer journeys</li><li>
Conduct thematic reviews based on emerging risks, complaints, regulatory findings, incidents and market developments</li><li>
Develop and maintain the Conduct Risk Universe and Conduct Risk Register</li><li>
Recommend enhancements to mitigate identified conduct risks</li></ul>
Consumer Protection Regulations<ul><li>
Independently oversee implementation of Consumer Protection Regulation and Consumer Protection Standards</li><li>
Challenge effectiveness of customer disclosures, transparency and communications</li><li>
Oversee product governance arrangements including target market assessments and product suitability</li><li>
Review fair value / Value for Money assessments for products</li><li>
Provide oversight over customer onboarding, servicing, complaints, vulnerable customer treatment and account closures</li><li>
Challenge the effectiveness of complaint root cause analysis and remediation</li></ul>
Product Governance<ul><li>
Independently challenge New Product Approval processes to ensure customer risks have been adequately assessed</li><li>
Review customer outcomes throughout the product lifecycle</li><li>
Ensure conduct risk assessments are completed before launch of new products or material product changes</li></ul>
Regulatory Engagement<ul><li>
Lead Market Conduct regulatory engagements with CBUAE</li><li>
Coordinate responses to regulatory examinations</li><li>
Track remediation plans arising from supervisory reviews</li><li>
Monitor implementation of regulatory developments</li></ul>
Talent Management<ul><li>
Assess and enhance existing training programs on conduct risk, ensuring employees understand and comply with conduct standards</li><li>
Provide input and oversight to ensure conduct risk considerations are incorporated into the HR performance evaluation framework</li></ul>
Market Abuse &amp; Integrity<ul><li>
Oversee reporting and escalation of market abuse incidents per insider trading policies, and challenge the adequacy of remedial actions</li><li>
Provide oversight and input to Insider Trading policy and procedures to manage market abuse risks associated with the bank's customers</li></ul>
Conflicts of Interest<ul><li>
Provide oversight and challenge on the bank's Conflict of Interest policy and controls; review and escalate significant conflicts to Senior Management</li></ul>
Culture and People<ul><li>
Collaborate with product development and marketing teams to ensure the suitability and appropriateness of products and services for customers</li></ul>
Specialized Risk Areas<ul><li>
Collusion Risk: Oversee risks of collusion between parties aimed at manipulating market conditions</li><li>
Consumer Mobility Risk: Oversee risks related to consumer ease in switching providers</li><li>
Cooling Off Risk: Ensure customers are provided with adequate cooling-off periods</li><li>
Sales, Marketing, Advertising, and Promotional Risk: Oversee risks associated with these activities, ensuring regulatory compliance</li><li>
Solicitation Risk: Oversee risks associated with solicitation practices</li></ul>
Qualifications &amp; Experience<ul><li>
Bachelor's degree in Business, Law, Education, or a related field</li><li>
3-5 years of experience in regulatory compliance, controls and governance within the banking industry</li><li>
Strong knowledge of regulatory compliance; excellent communication skills</li></ul>
Areas of Competency<ul><li>
Excellent verbal and written communication skills</li><li>
Deep knowledge of compliance standards, particularly those related to conduct risk and consumer protection</li><li>
Knowledge of how conduct risk intersects with operational risk and ability to implement effective control measures</li><li>
Strong skills in analysing data related to conduct risk incidents, customer complaints, and market abuse, and developing appropriate mitigation strategies</li><li>
Experience working across compliance, legal, human resources, and business units to ensure alignment on conduct risk matters</li><li>
Excellent communication skills to engage with internal stakeholders (senior management, business units) and external bodies (regulators, auditors) on conduct risk issues</li></ul></div>

Senior Manager - Market Conduct Risk

<div>Job Title: Basel Credit Risk RWA Consultant &ndash; PMO Lead (Contract)
Location: Riyadh, Saudi Arabia (full-time on-site) 
Start Date: ASAP / within 2 weeks
About the Role
We're seeking a senior Basel credit risk RWA specialist to lead a PMO-driven remediation programme at a major bank in Riyadh. This role sits at the intersection of technical Basel expertise and hands-on programme management &mdash; you'll be driving fixes to the bank's credit risk RWA calculation process end-to-end while aligning multiple internal departments around a shared plan of action.
What You'll Do<ul><li>
Lead the Project Management Office (PMO) for a Basel credit risk RWA remediation programme, establishing governance, RAID logs, and status reporting to senior stakeholders (ALCO, Risk Committee)</li><li>
Drive technical fixes across credit risk RWA workstreams, including exposure classification, credit risk mitigation (CRM), external credit rating (ECAI) mapping, CCF application, and Q17/SAMA regulatory reconciliation</li><li>
Coordinate and align stakeholders across multiple departments (Business, IT, Risk, Finance, Data teams) who own different parts of the RWA calculation chain &mdash; securing buy-in and closing regulatory/audit observations</li><li>
Guide and direct existing junior team members embedded at the client, who hold deep legacy system knowledge</li><li>
Prepare executive communication packs and manage escalations for senior governance forums</li><li>
Support broader Basel/RWA regulatory alignment work (counterparty credit risk, market risk RWA) as needed</li></ul>
What We're Looking For<ul><li>
10+ years' experience in Basel credit risk RWA calculation, regulatory reporting, or capital adequacy programmes within banking</li><li>
Hands-on technical knowledge of RWA mechanics: exposure classification, CRM, ECAI ratings, CCF application, asset classification (MSME/PSE/Default)</li><li>
Direct SAMA regulatory reporting experience strongly preferred (Q17 or equivalent)</li><li>
Proven PMO/programme management experience &mdash; comfortable running governance structures and driving cross-departmental alignment in complex stakeholder environments</li><li>
Strong stakeholder management skills; able to secure buy-in from multiple departments with competing priorities</li><li>
Based in or able to relocate to Riyadh full-time for the contract duration</li><li>
Prior experience at a Saudi or GCC bank, or with a consultancy delivering Basel/RWA programmes in the region, highly advantageous</li></ul>
Contract Details<ul><li>
Full-time on-site presence in Riyadh required</li><li>
Accommodation and related logistics covered for the contract duration</li><li>
Fast-track interview process</li></ul></div>

Basel Credit Risk RWA Consultant - PMO Lead (Contract)

<div>UAT Tester / QA Analyst &mdash; FCC Systems
Financial Crime Compliance | AML/CFT Technology
Job Summary
The UAT Tester / QA Analyst is responsible for planning, designing, and executing User Acceptance Testing (UAT) for Transaction Monitoring (TM) systems and related Customer Risk Rating (CRR) modules. This role ensures that TM scenarios, alert generation logic, scoring rules, and watchlist/sanctions screening configurations perform as intended before go-live, in full alignment with regulatory expectations (e.g., FATF Recommendations, OFAC, UN sanctions regimes, and local regulator guidance such as SAMA). The role bridges compliance requirements and technical system behavior, translating regulatory and business rules into structured, evidence-based test cases.
Key Responsibilities
UAT Planning &amp; Design<ul><li>Develop UAT test strategies, test plans, and entry/exit criteria for TM and CRR system implementations or upgrades.</li><li>Define UAT prerequisites, including test data readiness, environment configuration, and access provisioning.</li><li>Translate TM typologies (e.g., structuring, layering, rapid movement of funds, high-risk jurisdiction activity) into testable scenarios.</li><li>Design boundary and edge-case testing to validate threshold logic, scoring bands, and rule sensitivity/specificity.</li></ul>
Test Execution<ul><li>Execute test scripts covering alert generation, case creation, scenario tuning, and false-positive/false-negative analysis.</li><li>Validate CRR scoring logic across customer risk factors (e.g., geography, product, channel, PEP status, occupation).</li><li>Test sanctions and watchlist screening configurations, including fuzzy-matching logic and SDN/UN list updates.</li><li>Log defects, track remediation, and re-test fixes through to closure, maintaining a full audit trail.</li></ul>
Documentation &amp; Reporting<ul><li>Prepare UAT test cases, traceability matrices (linking requirements to test cases), and defect logs.</li><li>Document test evidence sufficient to withstand internal audit and regulatory review.</li><li>Produce UAT summary reports and sign-off packs for stakeholder and governance approval.</li></ul>
Stakeholder Coordination<ul><li>Liaise with Compliance, IT, and vendor teams to clarify requirements and resolve testing issues.</li><li>Support business users during UAT sign-off sessions and training on new/updated TM functionality.</li><li>Escalate systemic risks or control gaps identified during testing to Compliance and Technology leadership.</li></ul>
Required Qualifications
<ul><li>Bachelor&rsquo;s degree in finance, Business, Information Systems, or a related field.</li><li>3+ years of experience in financial crime compliance, AML/CFT, or compliance technology testing.</li><li>Hands-on experience with UAT for Transaction Monitoring or Customer Risk Rating systems.</li><li>Solid understanding of AML/CFT frameworks, KYC/CDD/EDD processes, and sanctions screening (OFAC, UN, EU).</li><li>Familiarity with SAR/STR filing processes and typology-based scenario design.</li></ul>
Preferred Qualifications
<ul><li>Experience with TM/CRR platforms (e.g., Actimize, SAS AML, Oracle Mantas, Norkom, or similar).</li><li>Exposure to test management tools (e.g., JIRA, ALM, TestRail) and structured defect-tracking processes.</li><li>Prior consulting or advisory experience delivering client-facing UAT or compliance technology deliverables.</li></ul></div>

UAT Tester / QA Analyst - FCC Systems

<div>PROGRAMME CONTEXT
Capitex is sourcing specialist resource into the Data workstream of a live Fenergo (Fenx) CLM implementation. The programme is delivering client lifecycle management, KYC/CDD and onboarding capability for a regulated financial institution, with the Data workstream responsible for migrating and validating client, entity and due-diligence data into the Fenergo platform.
This role provides hands-on data depth alongside the configuration and testing workstreams, ensuring migrated data is complete, accurate and fit to drive the configured rules, risk scoring and lifecycle journeys.
ROLE OVERVIEW
The Data Analyst owns source-to-target data mapping, migration and validation activity &mdash; translating legacy and golden-source client/entity data into the Fenergo data model and proving its integrity end-to-end. The role works closely with configuration/BA, testing and client-side data owners to deliver clean, reconciled, audit-ready data.
KEY RESPONSIBILITIES
<ul><li>Define and document source-to-target data mapping from legacy systems and golden sources into the Fenergo CLM / entity data model.</li><li>Author data mapping specifications and transformation rules; maintain mapping documentation as requirements evolve.</li><li>Support and execute data migration (ETL) of client, entity, KYC/CDD and supporting document data into Fenergo.</li><li>Design and run data validation and reconciliation &mdash; pre- and post-migration &mdash; including exception handling and remediation.</li><li>Profile source data quality; identify gaps, duplicates and anomalies and drive resolution with data owners.</li><li>Ensure migrated data correctly supports configured risk rules, scoring and workflow triggers, liaising with the configuration workstream.</li><li>Produce data quality metrics, reconciliation evidence and audit-ready sign-off artefacts for stakeholders.</li></ul>
ESSENTIAL EXPERIENCE
<ul><li>Hands-on data migration / mapping experience on a Fenergo (CLM) implementation.</li><li>Strong source-to-target data mapping and ETL experience on enterprise platform migrations.</li><li>Advanced SQL; confident profiling, validating and reconciling large datasets.</li><li>KYC / CDD / AML data domain knowledge &mdash; client and entity data structures, risk and due-diligence attributes.</li><li>Demonstrable data validation, reconciliation and data-quality discipline on regulated programmes.</li></ul>
DESIRABLE
<ul><li>Banking / Corporate &amp; Institutional Banking or Private/Wealth experience.</li><li>Experience with golden-source / master-data and entity-resolution concepts.</li><li>Oracle / SQL Server, and ETL tooling (e.g. SSIS, DataStage or equivalent).</li><li>SC clearance (or eligibility).</li><li>Exposure to Fenergo rules / event-based messaging and the wider CLM ecosystem.</li></ul>
TOOLS &amp; TECHNICAL ENVIRONMENT
Fenergo CLM, SQL (Oracle / SQL Server), ETL tooling, data profiling and reconciliation tools, JIRA / Confluence; Agile (Scrum / Kanban) delivery environment.</div>

Fenergo CLM Data Analyst / Migration Specialist

<div>Financial Crime Compliance &mdash; Process Mapping, Business Analyst
Financial Crime Compliance &mdash; Process Mapping, Business Analyst
Location: UAE Experience: 5&ndash;10 years in FCC, process improvement, and process mapping
Key Responsibilities
1. Process Mapping Requirements
<ul><li>Map financial crime risk processes end-to-end across various segments, units, and teams.</li><li>
Process maps must include activities, decision points, handoffs, and dependencies.</li><li>
Processes should be documented using a standard methodology.</li><li>
Identify and map MI / KPI / KRIs related to the processes and the governance forums to which they are reported, including oversight responsibilities.</li></ul>
2. Stakeholder Engagement
<ul><li>Engage process owners, risk owners, compliance teams, governance, and operations to validate process flows.</li><li>
Facilitate workshops and walkthroughs to ensure accurate representation of current-state processes.</li></ul>
3. System and Data Identification
<ul><li>Identify all systems, tools, and data sources used within each process.</li><li>
Document manual vs. system-driven steps and data handoffs.</li></ul>
4. Risk and Control Visibility
<ul><li>Capture key risk points, controls, approvals, and escalation paths within each process.</li><li>
Ensure alignment with financial crime regulatory requirements.</li></ul>
5. AI &amp; Automation Readiness
<ul><li>Highlight manual, repetitive, and decision-heavy steps suitable for AI or automation.</li><li>
Identify process steps that rely on rules, thresholds, or judgement which could benefit from AI models.</li></ul>
6. Consistency &amp; Standardisation
<ul><li>Identify process variations across business units.</li><li>
Recommend opportunities for process standardisation and consolidation, where feasible.</li></ul>
7. Documentation &amp; Deliverables
<ul><li>Provide validated, Process Owner sign-off process maps, process narratives, and RACI views.</li><li>
Deliver outputs in a reusable, audit-ready format suitable for future AI and transformation initiatives.</li><li>
Report progress and outcomes to key sponsors including Compliance and respective Process Owners.</li></ul>
8. Knowledge Transfer
<ul><li>Ensure proper handover and walkthroughs so internal teams can maintain and evolve the process maps.</li></ul></div>

FCC SME - Process Mapping (Contract)