Urwah Admin

Commercial Bank of Dubai

<p> <strong>Job Purpose:</strong> </p> <p>Professional management &amp; maintenance of Business banking relations, in coordination with Unit Head/ Head of Enterprise Liabilities</p> <p> <strong>Principal Accountabilities:</strong> </p> <p>Identify, solicit and acquire new SME / Commercial banking clients in line with approved corporate strategies for liabilities, Trade &amp; treasury sales</p> <p>Maintain and manage an assigned portfolio of existing commercial clients to retain &amp; grow these relationships in a profitable manner and in line with assigned business growth targets.</p> <p>Making regular visits to clients for both monitoring and business generation purposes. Such visits are to be recorded by way of call reports which are to include all relevant information in a timely manner.</p> <p>Conduct account planning with client service team members and cross sell other products to SME/commercial banking (as they case may be) clients to ensure multi-product relationship and greater share of wallet</p> <p>Establish effective and professional communication (both internal and external) to ensure turnaround time is within laid down parameters aiming for higher client satisfaction levels</p> <p>Provide guidance, advice and coaching to support officers and enhance their capabilities and potentials to hold higher responsibilities</p> <p>Comply with internal audit requirements in line with compliance policy guidelines, to ensure higher standards of uniformity and consistency across the organization</p> <p>Keep abreast of developments in the local business environment to spot business opportunities and contribute to planning process in developing corporate business strategies</p> <p>Develop strong level of local contacts with local businesses and financial institutions community</p>

Relationship Manager, Liabilities

<p>Manage existing portfolio of Emerging Corporate customers in addition to acquiring new relationships to achieve overall assigned financial targets.</p> <p><strong>Principal Accountabilities:</strong></p> <p>Maintain &amp; manage an assigned portfolio with existing Business clients to retain &amp; grow their banking relationships in a profitable manner and in line with assigned business growth targets.</p> <p>Identify, solicit and acquire new Business clients in line with approved corporate strategies for Assets, Liabilities, Trade and Treasury Sales.</p> <p>Negotiate appropriate credit lines in conformity with the Bank s underwriting standards and risk adjusted targets after thorough analysis of information necessary for the preparation of a detailed credit proposal.</p> <p>Making regular visits to clients for both monitoring and business generation purposes. Such visits to be recorded by way of call reports which are to include all pertinent information in a timely manner.</p> <p>Conduct account planning with Client Service Team Members &amp; cross selling other products &amp; services to Business clients to ensure multi-product relationship and greater Share of wallet. Facilitating other lines of business in exploiting business opportunities through referrals to Wealth/Consumer Banking.</p> <p>Establish effective &amp; professional communication (both internal and external) to ensure turnaround time within designated parameters and higher client satisfaction levels.</p> <p>Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.</p> <p>Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank</p> <p>Keep abreast of developments in the local business environment to spot business opportunities. Contribute to the planning process in order to develop corporate business strategies.</p> <p>Develop a strong level of local contacts with the local business and financial institutions community.</p>

Senior Relationship Manager, Emerging Corporates

<p>You will support the Head of Finance, Financial Reporting in establishing and maintaining financial accounting procedures for the bank and ensuring compliance with reporting requirements from the local regulators  specially the CBUAE; strengthen the Financial Reporting function to enable excellence in process design, implementation and controls as well as to ensure adequate back-ups for all key processes and functions. </p> <p> br&gt; </p> <p> <strong>Responsibilities:</strong> </p> <ul> <li>Execute IFRS 9 impairment model runs, including data preparation, staging analysis, and Expected Credit Loss (ECL) calculations. Coordinate with Risk and Credit teams to validate outputs and support provisioning decisions.</li> <li>Prepare various working and details for CBUAE Basel III Capital Adequacy Ratio (CAR) calculations, including RWA components, capital charges, and ensure alignment to the regulatory templates for submission to the Central Bank.</li> <li>Act as a point of contact for RWA and capital adequacy queries, ensuring compliance with CBUAE standards and guidelines.</li> <li>Support legal entity financial reporting, ensuring accurate consolidation, intercompany reconciliations, and compliance with regulatory and statutory requirements.</li> <li>Perform monthly journal entry reviews, account reconciliations, and balance sheet substantiations to maintain a strong control environment.</li> <li>Assist in the preparation of quarterly and annual financial statements, including supporting schedules, disclosures and attestations documentations for CBD and its subsidiaries.</li> <li>Coordinate with IT and business units to implement accounting treatments for new products and support automation of regulatory reporting processes.</li> <li>Participate in finance transformation initiatives, focusing on automation, process improvement, and system enhancements.</li> <li>Support the implementation of new accounting standards, including impact assessments, documentation, and training.</li> <li>Provide operational support during month-end and year-end close, ensuring timely and accurate financial reporting.</li> <li>Take ownership of assigned finance projects, including data analysis, documentation, testing, and reporting</li> <li>Support with the drafting and implementation of appropriate procedures to ensure accurate accounting treatment and all financial reporting processes.</li> <li>Support towards coordination of internal and external audits, including preparation of audit schedules and resolution of audit queries.</li> <li>Participate in job rotation opportunities within the department to gain broader exposure and contribute to team development and performance.</li> </ul> <p> br&gt; </p> <p> br&gt; </p>

Assistant Manager, Financial Reporting

<div><div><div><div><div>Description</div>
<div><div>Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.</div><div></div><div><br>
CBD has been recognized as the number one bank in the UAE on the Forbes list of The World&rsquo;s Best Banks 2022.</div><div></div><div><br>
As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers and delivering service that really goes the extra mile.</div><div></div><div><b><br>
Job Purpose:</b></div><div></div><div><br>
To lead and manage the governance framework for external sales agencies (specifically for Credit Cards and Mortgages), design and oversee internal and external incentive governance processes, and own the end-to-end vendor governance responsibilities for the Personal Banking Group (PBG). This role is critical in ensuring that all sales practices align with regulatory expectations, internal policies, and conduct risk standards.</div><div></div><div><b><br>
Principal Accountabilities:</b></div><div></div><div><b><br>
External Agency Governance (Credit Cards &amp; Mortgages)</b></div><div></div><div><br>
Establish and maintain a robust governance framework for third-party sales agencies.</div><div></div><div><br>
Oversee periodic quality reviews, including:</div><div></div><div><br>
Call audits and scoring validation.</div><div></div><div><br>
Visa and documentation checks for agency staff.</div><div></div><div><br>
DNCR (Do Not Call Registry) compliance and telemarketing adherence.</div><div></div><div><br>
Monitoring of agency contract validity and renewal cycles.</div><div></div><div><br>
Complaints analysis and outlier performance reviews.</div><div></div><div><br>
Collaborate with Business Development Managers (BDMs) and Risk teams to ensure agency performance aligns with internal standards and regulatory requirements</div><div></div><div><b><br>
Incentive Governance (Internal &amp; External)</b></div><div></div><div><br>
Design and implement incentive structures that promote ethical sales behavior and customer-centric outcomes.</div><div></div><div><br>
Ensure incentive plans are compliant with conduct risk frameworks and regulatory guidance.</div><div></div><div><br>
Monitor incentive effectiveness and recommend adjustments to mitigate mis-selling or conduct risk.</div><div></div><div><br>
Partner with HR, Sales, and Compliance to align incentive governance with broader organizational goals.</div><div></div><div><b><br>
Vendor Governance (PBG-wide)</b></div><div></div><div><br>
Own the governance of all vendors supporting PBG operations, including onboarding, performance monitoring, and contract compliance.</div><div></div><div><br>
Lead periodic vendor reviews and risk assessments.</div><div></div><div><br>
Ensure adherence to internal policies, service level agreements (SLAs), and regulatory obligations.</div><div></div><div><br>
Act as the primary liaison between BRG and Procurement/Legal for vendor-related matters.</div><div></div><div><b><br>
Conduct Risk Oversight</b></div><div></div><div><br>
Monitor and assess behaviors across customer-facing teams to ensure alignment with ethical standards and regulatory expectations.</div><div></div><div><br>
Identify and mitigate risks related to market conduct, mis-selling, and inappropriate customer interactions.</div><div></div><div><br>
Support the implementation of the <b>Market Conduct Policy</b> to uphold fair consumer outcomes and protect market integrity.</div><div></div><div><b><br>
Customer Experience Risk Management</b></div><div></div><div><br>
Evaluate customer journeys and touchpoints to identify operational or behavioral risks that could negatively impact customer satisfaction.</div><div></div><div><br>
Collaborate with product, service, and compliance teams to ensure customer-centric design and delivery of banking services.</div><div></div><div><br>
Drive initiatives that enhance transparency, responsiveness, and personalization in customer interactions.</div><div></div><div><b><br>
Stakeholder Engagement</b></div><div></div><div><br>
Act as a key point of contact for internal audits, regulatory reviews, and customer complaints escalations.</div><div></div><div><br>
Provide training and guidance to frontline staff on conduct risk awareness and customer experience standards.</div><div></div><div><b><br>
Continuous Improvement</b></div><div></div><div><br>
Lead reviews of conduct-related incidents and customer feedback to identify root causes and implement corrective actions.</div><div></div><div><br>
Promote a culture of ethical behavior, accountability, and continuous learning across the organization.</div><div></div><div><b><br>
Other</b></div><div></div><div><br>
Expert understanding of CPR regulations.</div><div></div><div><br>
Experience with Market Conduct-related initiatives &amp; audits</div><div></div><div><br>
Root-Cause Analysis skills and ability to turn issues into opportunities</div></div>
</div></div><div><div><div>Requirements</div>
<div><div><b>Education and Experience</b></div><div></div><div><br>
Bachelor&rsquo;s degree in Business, Finance, Risk Management, or related field.</div><div></div><div><br>
Professional certifications in Compliance, Risk, or Audit (e.g., ICA, CRMA, CISA) are advantageous.</div><div></div><div><br>
At least 7 years of experience in Banking, Risk/Compliance and customer communication. Proven expertise in Conduct Risk, Sales Governance, and Vendor Oversight. Strong understanding of UAE regulatory landscape and local banking practices. Experience managing third-party relationships and incentive frameworks.</div></div></div></div></div></div><p></p>

Manager, Sales Governance & Oversight

<div><div><div><div><div>Description</div>
<div><div><b>JOB PURPOSE</b></div><ul><li>
Lead Account opening services team</li><li>
Control the day-to-day activities of the team both Onshore and Offshore</li><li>
Manage account opening functions for Personal Banking and Wholesale Banking</li><li>
Manage all maintenance and service-related requests pertaining to Account services unit</li><li>
Manage all account opening/ Maintenance tasks received by digital channels like Customer onboarding, iPad, Online/ SMS Banking, IVR</li><li>
Assist the Head of Shared services in achieving the Unit objectives by supervising the activities of a team of Processing supervisors while resolving relatively more complex problems / issues and ensuring smooth flow of work, complying with established standards, policies and procedures</li></ul><div><b>
JOB ACCOUNTABILITIES
</b></div><ul><li>Lead and manage the operational functions at onshore to ensure:</li><li>
Account opening (CASA&amp;TD) and maintenance for WBG and PBG are completed within agreed SLA</li><li>
Account opening, average over 100 documents per day, reconciliation of physical documents completed and forwarded to Archiving</li><li>
Overnight safe custody of original physical documents under custody</li><li>
Monitor Offshore Processing Team pertaining to</li><li>
Account opening (CASA &amp;TD)</li><li>
Cheque Book issuance, Special Cheque Book</li><li>
Online Banking, SMS, IVR Banking</li><li>
Processing for COB (High Risk) IPAD (High Risk) and MB accounts</li><li>
Review daily/ monthly tasks and dashboard are submitted</li><li>
Decide, in line with stipulated polices, after analyzing the documents and requirements</li><li>
Approve or reject COB-High Risk accounts, IPAD, MB accounts</li><li>
Approving Debit cards in the Instant Issuance or DCR for above cases</li><li>
Escalate approvals to the next level of management/ compliance, where required</li><li>
Prioritizing process completion depending upon high net worth and tier 1 clients</li><li>
Manage and plan resources for optimal efficiency especially planning absence or leaves</li><li>
Fully responsible for:</li><li>
Holding the original physical documents as joint custodian</li><li>
Ensuring the physical documents are reconciled on a daily basis.</li><li>
Rework identified by Offshore, rectification exercise in coordination with Branches / RM&rsquo;s</li><li>
Monitor and ensure proper movement of original physical documents between ASU &amp; Central Archiving Unit under acknowledgement</li><li>
Time Deposit / CCBB opening / OA payments approval</li><li>
Act as joint bank admin for special bank controlled admin for iBusiness in conjunction with IAM</li><li>
Approve the scanning of customer signatures in SIG-CAP handled at Onshore</li><li>
Address / complete audit observations within time, Coordinate with auditors and rectify the irregularities and deficiencies observed to ensure compliance with the standard policies, procedures and statutory requirements</li><li>
Identify / propose optimization opportunities, based on the experiences gained in the day to day functions for further improvement.</li><li>
Work on continues process reviews and improvements to ensure customer experience &amp; expectation is met.</li><li>
Participate in preparing BRD, conduct UAT at a user perspective for upgrades in the processes handled at the Unit and ensure deployment in live</li><li>
Support to develop and cross-train team members for better resource utilization during exigencies.</li><li>
Provide assistance to the TL SSD &ndash;ASU &amp; Escrow in completing the day-to-day operations of the Unit</li></ul></div>
</div></div><div><div><div>Requirements</div>
<div><div><b>QUALIFICATIONS</b></div><ul><li>
10 years banking experience in branches or head office required mainly in account opening</li><li>
Prior experience at head office/ branches as a Team Leader/ verifier would be an added advantage</li></ul></div></div></div></div></div><p></p>

Assistant Manager, ASU (UAE National)

<p> <strong>Job Purpose:</strong> </p> <p> <br> </p> <p>Responsible for providing data analytics support pertaining to regulatory requirements and business risk management purposes for PBG including: </p> <p> <br> </p> <p> Regular data quality and data availability analysis and publishing the dashboard with identified Gaps </p> <p>Manage the business rules for data quality and data gap logic. </p> <p>Planning for ongoing due diligence for PBG customers and managing the monthly cohorts. </p> <p>Identification of customer base for periodic ongoing due diligence (ODD) on a monthly basis. </p> <p>Identification of portfolio clean up opportunities based on various business rules. </p> <p>Provide regular portfolio insights to Business Risk Team and Product teams to mitigate any regulatory risk in the business. </p> <p>Other risk reporting on ad hoc basis</p> <p> <br> </p> <p>Developing and implementing appropriate business processes, dashboards, reports, disciplines and schedules that deliver a holistic review of results, trends.</p> <p> <br> </p> <p> <strong>Principal Accountabilities:</strong> </p> <p> <br> </p> <p>Perform regular data quality and availability assessment and data gap analysis for all PBG Customers to identify any gaps from regulatory perspective that require remediation. Publish data quality dashboard for critical data elements (CDEs) to support the Bank s initiative to attain a gold standard. </p> <p> <br> </p> <p>Analyse the availability of all critical data elements for PBG in EDW as a single source of information and coordinate with EDW teams to incorporate any missing fields in EDW. </p> <p> <br> </p> <p>Manage the business definition and logic for all CDEs and key KPIs for PBG so that a consistent logic and definition is used across all reports and analysis. </p> <p> <br> </p> <p>Analyse PBG customer base and prepare a plan for ongoing due diligence on annual basis to forecast the volume of ODD by risk rating of customers. Refresh the planning on a quarterly basis. </p> <p> <br> </p> <p>Identify customers due for ODD on a monthly basis to initiate the required ODD process for such customers.</p> <p> <br> </p> <p>Coordinate with IT team to ensure that the Customers due for Outreach are uploaded to Customer Portal.</p> <p> <br> </p> <p>Publish regular tracking reports and dashboard on the progress of ODD for PBG Customers and share that with key stakeholders and PBG Management.</p> <p> <br> </p> <p>Perform semi-annual validation of the Customer Risk Rating model to ensure that the Risk Rating for PBG customers are accurate, Highlight any discrepancies for further analysis by Compliance team.  </p> <p> <br> </p> <p>Identification of portfolio clean up opportunities on a monthly basis based on various business and regulatory rules/ policies and share the bases with respective business units for appropriate actions. </p> <p> <br> </p> <p>Support PBG business units on any CB UAE related reporting or RFIs to ensure accurate information is shared as a response to such RFIs. </p> <p> <br> </p> <p>Coordinate with internal and external parties to obtain updated Customer ID details where institutional data can be leveraged to update customer s ID details and expiry date such as Emirates ID, Trade License etc. Take ownership of managing such processes end to end.</p> <p> <br> </p> <p>Prepare and publish a monthly dashboard for PBG Customers in terms of all regulatory aspects including ODD due, ODD progress, consequence management, expiring IDs, collected IDs, pending AML alerts etc. so that PBG Management can get a detailed view of all regulatory aspects pertaining to PBG</p>

Regulatory Analytics Manager

<p><strong style="font-size: 11px;">Job Purpose</strong></p> <p>The role holder is responsible for managing the Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) function as well as providing subject matter expertise to senior management and business units.</p> <p>The role holder is appointed as the Bank s DMLRO and shall determine whether the escalated AML alerts and suspicious activity need to be reported to the UAE Central Bank's Financial Intelligence Unit (FIU). The role holder will also act as the main contact point for the UAE Central Bank FIU.</p> <p> <br> </p> <p> <strong>Principle Accountabilities </strong> </p> <ul> <li>Oversee the AML/ CFT risk for CBD, owning the AML/ CFT Policy and ensuring compliance with all CBUAE</li> <li>regulations, guidance and notices.</li> <li>As the Bank s DMLRO, the role holder will have delegated authority to sign and report Suspicious</li> <li>Transaction Reports (STRs) to the UAE Central Bank's Financial Intelligence Unit (FIU).</li> <li>Review the escalated alerts or suspicions transactions and determine whether they need to be reported to the UAE Central Bank's FIU.</li> <li>Manage the received responses or mandated actions from the UAE Central Bank's Financial Intelligence Unit (FIU) on the STRs submitted and support the Head of Compliance with regulatory correspondence.</li> <li>Day-to-day management of the Bank s transaction monitoring system to ensure effectiveness, track AML alerts, queues or backlogs and provide the Bank s senior management with an update on the operations and effectiveness of the AML/CFT and Sanctions function.</li> <li>Oversee the investigations of the more complex investigations which may originate from Senior Management, the UAE Central Bank, the Police, Whistleblowing or from data analytics.</li> <li>Conduct periodic assessments of the Bank s transaction monitoring system to ensure its optimization (i.e. fit-for-purpose), including threshold reviews, segmentation analysis as well as scenario performance analysis.</li> <li>Manage the list of scenarios from which the system will trigger alerts to ensure that the rationale behind each rule and the governance in place around the modification of parameters is well documented and mapped against the identified inherent risks.</li> <li>Run the Transaction Monitoring Oversight Committee, prepare proposals and act as Secretariat.</li> <li>The role holder will have the rights in the AML transaction monitoring system to modify parameters and scenarios with the approval of the Head of Compliance. Any change should be properly documented in order to track modifications, record approvals and capture the corresponding rationale/logic for implementation.</li> <li>Provide advice and guidance to the AML team and business areas on AML/CFT related issues.</li> <li>Provide updates to the wider AML/CFT team on current events or regulatory changes.</li> <li>Own the AML/CFT related policies and procedures remain updated and communicated as required to all stakeholders. The Deputy MLRO is responsible for supporting the MLRO in regularly reviewing and updating policies and procedures to ensure they remain effective in detecting and preventing money laundering and terrorist financing.</li> <li>Develop and recommend controls for the identified control weaknesses or potential gaps in AML/CFT related policies and procedures.</li> <li>Support the team by reviewing suspicious cases when the volume is higher than the average or when there are staffing constraints that would limit the team s capacity.</li> <li>Provide guidance to the AML/CFT Assistant Managers, Senior Officers and Officers on their investigations.</li> <li>Define and supervise the Quality Assurance process to review closed alerts and cases on a sample basis.</li> <li>Issue client exit requests for financial crime reasons and engage with the Business to further review the escalated cases. Supervise customer exits for financial crime reasons to ensure all mandated exists are being actioned as per the Bank s internal procedures.</li> <li>Log and escalate all AML/CFT breaches or potential breaches.</li> <li>Review AML/CFT related training materials (i.e. e-learnings and face-to-face) and participate in the delivery of face-to-face trainings.</li> <li>Manage the available resources efficiently and prioritize system enhancement/up-grades</li> </ul>

Senior Manager AML/CFT & DMLRO

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