grc analyst (information security) Jobs in Doha

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credit risk analyst

Fusion Group Holding

We are looking for Credit Analyst who manage credit analysis with real estate developers, investment companies, property holding groups, or firms executing large commercial, residential, or mixed-use projects. These candidates must:<ul><li>Have proven track records managing credit analysis for real estate developers or investors</li><li>Understand project-based financing, construction loan structuring, escrow mechanisms, lease rental discounting, etc.</li><li>Be familiar with Regulatory guidelines, project viability assessment, and corporate due diligence</li><li>Have dealt with portfolios involving land acquisition, construction stage financing, or income-generating commercial assets</li></ul>Role Objective:The Credit Analyst will provide operational and analytical support to the Real Estate section in preparing Credit proposals/applications, ensuring effective monitoring of all aspects of business in terms of credit quality, as per the internal policies and procedures, QCB guidelines and other relevant regulatory framework. The job holder will identify, measure, monitor, control and perform periodic reviews of the risk inherent in the allotted portfolios. The incumbent will analyze customer strengths and weaknesses, providing recommendations, noting any deviations from the policies, and terms, as appropriate, and will prepare and review annual or quarterly reports as appropriate for the portfolios.Detailed Roles and Responsibilities:&middot; Perform all activities, as assigned by the reporting authority, in compliance with regulatory guidelines, and internal policies and procedures.&middot; Prepare credit proposals with appropriate interpretations on the financial aspects and identify the risk factors and suggest credit enhancers, as applicable, in consistent with the Credit policies and regulatory framework and provide recommendations.&middot; Ensure Internal Credit Rating and RAROC is carried out for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc.&middot; Review to ensure that all credit documents are complete, by identifying documentation deficiencies, if any and report to the respective employees, for timely resolution.&middot; Liaise with the respective employees, for clarifications/ rectifications on account of incompleteness of information provided, and to ensure all the Credit applications are completed within the set turnaround time.&middot; Contribute towards continuous development of credit procedures by recommending solutions and/or ascertaining capacities for enhancement.&middot; Review to ensure submission of all required documents in relation to the credit processing, including but not limited to Commercial Registrations, etc.&middot; Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers and the Compliance function within prescribed authority as directed.&middot; Coordinate with Risk Management function with respect to new/ renewal of limits/input of limits and other related aspects.&middot; Ensure prompt filing of all documents, including but not limited to applications, credit documents, Swift transfers, deposits and other records, approvals, security documents, and other correspondences, in the prescribed order of documents filing.&middot; Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers, as directed by the reporting authority.&middot; Perform periodic review/monitoring of the customer accounts, in line with the limits, credit policies and QCB regulations.&middot; Monitor customer activities in relation to market conditions, conduct of account and other factors, as applicable, to protect Bank&rsquo;s interests and arrange appropriate classification of accounts.Qualifications and Experience:&middot; University graduate with a degree in Business or Banking or Finance or any other related discipline.&middot; Master&rsquo;s degree in management any other related discipline will be an added advantage.&middot; 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.&middot; Experience in credit analysis, with strong understanding of the local banking industry.&middot; Professional certification in related area is preferable&middot; we are looking for candidates who have worked on credit proposals, risk assessments, structuring, or client relationship management involving:&middot; Residential and commercial real estate development projects&middot; Real estate investment and holding companies&middot; Hospitality and mixed-use developments&middot; Real estate project financing (including land acquisition, construction financing, leasehold arrangements)&middot; Large portfolio clients operating in the property and real estate sectorJob Type: Full-timeEducation:<ul><li>Bachelor's (Preferred)</li></ul>Experience:<ul><li>Credit Analysit: 5 years (Required)</li><li>Credit Analysis: 4 years (Required)</li><li>Banking &amp; Financial Domain: 4 years (Required)</li><li>GCC: 3 years (Required)</li><li>real estate developers: 4 years (Required)</li></ul>

Credit Analyst (Real Estate )

QNB Group

<div>
 
 About QNB
 
 
 
 Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.
 
 
 QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.
 
 
 QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.
 
 
 Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.
 
 
 QNB Group has an active community support program and sponsors various social, educational and sporting events.
 
 
 
 Job Summery
 
 
 
 The incumbent is primarily responsible for providing effective support to the Contracting function, by providing relationship management support to Contracting customers. The incumbent will be responsible for proactively assisting in managing client relationships (within delegated authority), preparation of credit proposals and maintaining all Contracting function documentation after receipt in accordance with QNB credit policies and procedures.
 
 
 
 Main Responsibilities
 
 
 
 <ul>
 <li>
 Shareholder &amp; Financial:
 </li>
 <li>
 Assist in monitoring and achievement of Key Performance Indicators on periodic basis.
 </li>
 <li>
 Implements KPI&rsquo;s and best practices for Assistant Manager Contracting Relationship Management
 </li>
 <li>
 Support in the upholding and monitoring the full compliance with prevailing best corporate banking documentation practices.
 </li>
 <li>
 Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank
 </li>
 <li>
 Act within the limits of the powers delegated to the incumbent
 </li>
 <li>
 Customer (Internal &amp; External):
 </li>
 <li>
 Perform credit documentation for the Contracting function, in accordance with set policies and in coordination with Credit Risk.
 </li>
 <li>
 Provide timely and accurate information to the external and internal auditors and the Compliance function, as and when required.
 </li>
 <li>
 To assist customers in all their queries on Bank&rsquo;s product and seek solution to their requests.
 </li>
 <li>
 Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.
 </li>
 <li>
 Build and maintain strong/effective relationships with related departments/units to achieve the Group&rsquo;s objectives.
 </li>
 <li>
 Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required
 </li>
 <li>
 Internal (Processes, Products, Regulatory):
 </li>
 <li>
 Develop and manage on day-to-day basis potential target name corporate customers and assigned portfolio of existing customers to meet assigned financial and non-financial targets in compliance with established QNB credit policies, procedures and standards.
 </li>
 <li>
 Maintain high credit documentation standards, including but not limited to updated policies / procedures and compliance with the same.
 </li>
 <li>
 Prepare comprehensive credit proposals for new / prospective customers that adequately address all relevant risk factors and satisfy minimum acceptable standards of QNB corporate credit.
 </li>
 <li>
 Obtain all requisite facility and account documentation to ensure each customer&rsquo;s file is current with valid legal documentation to secure / protect the Bank's interests including but not limited to the Articles of Association and any amendments thereto, financial statements for a minimum of 3 years, the company's annual report to its shareholders (publicly held companies only), Commercial Registration, list of authorized signatories, corporate client details (name, type of business, shareholders etc.) and details on the credit request and amount.
 </li>
 <li>
 Maintain the timely review of contracting credit applications and documents within set turn around time, in coordination with Credit Risk. . During the annual review exercise, the incumbent is expected to identify changing circumstances to assess risk and mitigating actions.
 </li>
 <li>
 Prepare comprehensive credit review for existing portfolio customers that adequately address all relevant and current risk factors and the latest developments in the industry, market and business and identify and timely report on all red flags and early warning signals on potential problematic accounts / relationships.
 </li>
 <li>
 Maintain the Contracting records and organize and maintain corporate banking customer files.
 </li>
 <li>
 Monitor QNB Contracting credit positions for full compliance with set limits and QNB&rsquo;s Investment and Credit Strategy.
 </li>
 <li>
 Support in the preparation of periodic Management and Business Information reports to the SVP Contracting Relationship Management and to other executive management of the Group to appraise them about the unit&rsquo;s performance and the assigned portfolio of clients.
 </li>
 <li>
 Spread the financial statements on assigned software while assessing the credit risk related to each client and identify mitigating actions/ controls.
 </li>
 <li>
 Draft financial analysis for assigned clients to measure its performance and capacity of repayment.
 </li>
 <li>
 Learning &amp; Knowledge:
 </li>
 <li>
 Possess a good knowledge of corporate banking products, documentation, regulatory requirements and report preparation together with a superior knowledge of controls.
 </li>
 <li>
 Proactively identify areas for professional development of self and undertake development activities.
 </li>
 <li>
 Seek out opportunities to remain current with all developments in professional field
 </li>
 <li>
 Legal, Regulatory, and Risk Framework Responsibilities:
 </li>
 <li>
 Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).
 </li>
 <li>
 Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.
 </li>
 <li>
 Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.
 </li>
 <li>
 Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.
 </li>
 <li>
 Maintain appropriate knowledge to ensure full qualification to undertake the role.
 </li>
 <li>
 Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.
 </li>
 <li>
 Attend mandatory (internal and external) seminars as instructed by the Bank.
 </li>
 <li>
 Other:
 </li>
 <li>
 Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.
 </li>
 <li>
 Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and Compliance functions, and relevant Regulators.
 </li>
 <li>
 Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position.
 </li>
 <li>
 All other ad hoc duties/activities related to QNB that management might request from time to time.
 
 
 </li>
 </ul>
 
 Education And Experience Requirements
 
 
 
 <ul>
 <li>
 University graduate (Bachelor - preferably Engineering) with minimum 4 years relevant experience in the banking industry, preferably with local / Gulf experience.
 </li>
 <li>
 Well-informed of the market competitive structure, industry practices and any regulations for the corporate banking client segment.
 </li>
 <li>
 Good people relationship and credit documentation skills and awareness of risk management concept and practices.
 </li>
 <li>
 Good oral and written communication skills in English and Arabic (preferred).
 </li>
 <li>
 Understanding of the relevant laws, regulations and practices pertaining to Corporate Banking products.
 </li>
 <li>
 Good knowledge in financial statements and ratios relevant to corporate banking and the contracting industry
 </li>
 <li>
 General understanding of construction financing mechanism and underlying risks.
 </li>
 <li>
 Personal integrity and self-management.
 </li>
 <li>
 Outstanding problem solving skills.
 </li>
 <li>
 Planning, organizing and analytical ability.
 </li>
 <li>
 Outstanding customer service orientation.
 </li>
 <li>
 Strong performance orientation.
 
 
 </li>
 </ul>
 Note: you will be required to attach the following:
 
 
 <ul>
 <li>
 Resume/CV
 </li>
 <li>
 Copy of Passport or QID
 </li>
 <li>
 Copy of Education Certificate
 </li>
 </ul>
</div>

QNB3524 - Assistant Manager Contracting Relationship Management (Qatarization)

Spectrum Solution W.L L

Job Description:1. Role ObjectiveTo act as a key contributor to the Documentation Unit and provide strong administration support to assist in thecompletion of documentation essential for Corporate, SME and Retail loan application packages, including facilityoffer letter, collateral documents and financing agreements.2. Detailed Roles and Responsibilities:FINANCIAL<ul><li>Flag any issues of lack of documentation, non-compliance with policies etc. with management on an immediate</li></ul>basis to prevent any potential financial risk to the organizationCUSTOMER<ul><li>Build good networks across the Credit Risk division and with all interdependent divisions across the organization</li></ul>INTERNAL<ul><li>Understand internal and external regulations relating to the documentation requirements for all types of credit</li></ul>facilities / transactions<ul><li>Prepare all documentation (as requested by Head of Documentation Unit) on an accurate and efficient basis and</li></ul>within the agreed timelines<ul><li>Prepare documents in the specified format per internal policies including signature authority as per commercial</li></ul>registration (for both financing and trade finance related facilities)<ul><li>Consult where necessary regarding complex financial arrangements or unusual transactions</li><li>Assist Head of Documentation with certain logistics requirements including</li></ul>o Arranging of goods/vehicle inspection related to trade finance or vehicle financeo Arranging for registration of collaterals with appropriate ministries (Land registration, DohaSecurity Market, Municipality, etc.)o Arranging with approved land evaluators for valuation of propertieso Arranging for insurance of real estate properties and monitoring of insurance policy<ul><li>Willingly complete all other administrative jobs, functions and tasks that maybe assigned from time to time by the</li></ul>Head of Documentation UnitLEARNING AND DEVELOPMENT<ul><li>Operate as a team player within the Credit Administration team and across the wider Credit Risk Division.</li><li>Maintain a focus on self-development by spending time reading and researching competitor activity, recent</li></ul>KEY INTERACTIONSInternal: External:<ul><li>Head of Documentation Unit</li><li>Credit Risk team</li><li>Corporate, SME and Retail teams</li><li>Compliance Function</li><li>All other employees (as and when required)</li><li>Relevant Regulatory bodies (including QCB)</li><li>Customers</li><li>External auditors</li></ul>COMPETENCIES, KNOWLEDGE AND EXPERIENCE1. Educational Qualifications:<ul><li>High School Diploma. Bachelor degree in finance related discipline preferred</li></ul>2. Experience:<ul><li>3+ years experience working in a related role in a financial services institution</li><li>Strong English and, ideally, Arabic language skills</li></ul>3. Technical Competencies: 4. Behavioral Competencies:<ul><li>Analytical Ability</li><li>Business Acumen</li><li>Compliance &amp; Regulatory Reporting</li><li>Personal Excellence</li><li>Leadership and Motivation</li><li>Building Strong Relationships</li><li>Quality Decision Making</li><li>Powerful Communication</li><li>Flexibility and Adaptability</li><li>Teamwork</li></ul>Job Type: Full-time

Credit Risk

<div>
 
 About QNB
 
 
 
 Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.
 
 
 QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.
 
 
 QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.
 
 
 Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.
 
 
 QNB Group has an active community support program and sponsors various social, educational and sporting events.
 
 
 Role Summary
 
 
 Working within the Financial Institutions team the incumbent will be responsible of updating ratings and financial figures in the system, gathering data required for credit analysis and performing financial analysis of banks and countries under the supervision of SVP, FI &amp; CB Credit Risk
 
 
 Role Description
 
 
 <ul>
 <li>
 Performs activities in accordance with the set Treasury strategies.
 </li>
 <li>
 Track the Financial performance of banks to which QNB Group is exposed to and report deviations from market expectations to management
 </li>
 <li>
 Monitor and reconcile outstanding exposures to banks and countries in system against books
 </li>
 <li>
 Observes and promotes cost consciousness and efficiency, and enhance productivity, to minimize costs, avoid wastes, and optimize benefits for the bank
 </li>
 <li>
 Act within the limits of the powers delegated to the incumbent
 </li>
 <li>
 Implements KPI&rsquo;s and best practices for Associate, Financial Institutions &amp; Correspondent Banking Credit Risk role.
 </li>
 <li>
 Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank
 </li>
 <li>
 Assists in building and maintaining strong and effective relationships with all other related units to achieve the Desk goals/objectives.
 </li>
 <li>
 Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required.
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s University graduate preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology
 </li>
 <li>
 Must have strong mathematics and analytical skills
 </li>
 <li>
 Adhere to Bank limits at all times
 </li>
 <li>
 Interact with other Bank departments to ensure smooth relationship
 </li>
 <li>
 Establish contact with external clients as and when required
 </li>
 <li>
 Adhere to QCB and QNB policies and procedures at all times
 </li>
 <li>
 Prepare reports required by the desk
 
 
 </li>
 </ul>
 Note: you will be required to attach the following:
 
 
 <ul>
 <li>
 Resume/CV
 </li>
 <li>
 Copy of Passport or QID
 </li>
 <li>
 Copy of Education Certificate
 </li>
 </ul>
</div>

QNB3475 - Associate - FI and Correspondent Banking Credit Risk (Qatarization)

ECCO Gulf WLL

<div>
 
 Job Description
 
 
 
 
 Job Summary.
 
 
 
 The incumbent will be primarily responsible for monitoring the risk with respect to the Group&rsquo;s card portfolio (credit / debit / prepaid) with the objective of minimizing card losses by taking timely corrective/ remedial actions. Primarily has the responsibility for utilizing proprietary and third-party systems to monitor for suspicious and/or unusual customer card payment activity to minimize fraud losses perpetrated by and against customers.
 
 
 In addition, the incumbent will also work closely with external customers and internal teams providing oversight, guidance in relation to Card Risk Issuing.
 
 
 Essential Duties &amp; Responsibilities by Dimensions:
 
 
 
 Shareholder
 
 
 &amp;
 
 
 Financial:
 
 
 
 <ul>
 <li>
 Analyse card usage trends (by merchant, channel, country, product, etc&hellip;) to identify, monitor and manage the fraud risk of the Group&rsquo;s card business and take the necessary corrective/ remedial action on timely basis to minimize card fraud losses in line with Group fraud risk appetite.
 </li>
 <li>
 Implements KPI&rsquo;s and best practices for Card Risk (Issuing)
 </li>
 <li>
 Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank.
 </li>
 <li>
 Act within the limits of the powers delegated to the incumbent.
 
 
 </li>
 </ul>
 Customer (Internal &amp; External):
 
 
 <ul>
 <li>
 Liaise with Group ITD on issues pertaining to enhancements in card systems (includes core-banking, authorization and card monitoring tools) to enable better management of the risk involved in cards usage.
 </li>
 <li>
 Communicate with VISA, MasterCard, American Express and other card schemes on specific card fraud issues, as and when required.
 </li>
 <li>
 Review transaction acceptance performance, fraud controls and rule configurations in order to reduce excessive fraud levels.
 </li>
 <li>
 Respond to queries regarding unrecognized and/or suspicious card transactions.
 </li>
 <li>
 Liaise with domestic Group divisions, departments in identifying potential fraud risk exposure with end objective to minimize, prevent and remediate any losses to the customers and the Organization.
 </li>
 <li>
 To assist customers in all their queries on Bank&rsquo;s product and seek solution to their requests.
 </li>
 <li>
 Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.
 </li>
 <li>
 Build and maintain strong/effective relationships with related departments/units to achieve the Group&rsquo;s objectives.
 </li>
 <li>
 Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required.
 
 
 </li>
 </ul>
 Internal (Processes, Products, Regulatory):
 
 
 <ul>
 <li>
 Ensure the appropriateness of card risk-engine rules (credit/debit/prepaid/contactless), making changes or amendments to rules configuration in light of emerging fraud trends.
 </li>
 <li>
 Ensure appropriate fraud reporting is undertaken on issuing fraud, with a view to identifying commonly occurring patterns and trends.
 </li>
 <li>
 Ensure that all customer complaint cases related to fraudulent use of cards are resolved in a timely manner in conjunction with concerned business and operations departments.
 </li>
 <li>
 Analyze on regular basis card portfolio usage reports to facilitate periodic review of usage-limit consistency.
 </li>
 <li>
 Ensure that suspicious card transactions as notified to the incumbent by call center personnel and/or branch customer service staff are attended to and resolved in a timely manner.
 </li>
 <li>
 Assist internal/external auditors, as required, in conducting investigation cases related to card fraud incidents.
 </li>
 <li>
 Ensure proper reporting of card fraud cases on timely basis as mandated by the relevant payment systems and local regulatory authorities.
 </li>
 <li>
 Work with Group Head of Operational Risk Fraud Oversight and AGM Group Operational Risk to reduce the likelihood of a negative card fraud risk event by establishing and reinforcing the infrastructure to support a strong control consciousness.
 </li>
 <li>
 Hold meetings with staff and assess their performance, using as a primary benchmark the Card Risk Quality Scorecard, as well as the section&rsquo;s overall performance, on a regular basis.
 </li>
 <li>
 Take decisive action to ensure speedy resolution of unresolved staff grievances or conflicts within the team.
 </li>
 <li>
 Support roll-out of card fraud awareness training for customer service staff.
 
 
 </li>
 </ul>
 Learning &amp; Knowledge:
 
 
 <ul>
 <li>
 Possess a good knowledge of the risk involved in all card products (credit/debit/prepaid/contactless) and merchant payment channels (POS, eCommerce, MO/TO and good knowledge of related operations, controls and regulatory framework.
 </li>
 <li>
 Identify areas for professional development of self.
 </li>
 <li>
 Proactively identify areas for professional development of self and undertake development activities.
 </li>
 <li>
 Seek out opportunities to remain current with all developments in professional field.
 
 
 </li>
 </ul>
 Legal, Regulatory, and Risk Framework Responsibilities:
 
 
 <ul>
 <li>
 Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).
 </li>
 <li>
 Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.
 </li>
 <li>
 Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.
 </li>
 <li>
 Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.
 </li>
 <li>
 Maintain appropriate knowledge to ensure full qualification to undertake the role.
 </li>
 <li>
 Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.
 </li>
 <li>
 Attend mandatory (internal and external) seminars as instructed by the Bank.
 
 
 </li>
 </ul>
 Other:
 
 
 <ul>
 <li>
 Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.
 </li>
 <li>
 Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need-to-know basis only to Senior Management of Bank, Audit and Compliance functions, and relevant Regulators.
 </li>
 <li>
 Maintain high professional standards to uphold Company's reputation and to strengthen its market leadership position.
 </li>
 <li>
 All other ad hoc duties/activities related to the management might request from time to time.
 
 
 </li>
 </ul>
 Education &amp; Experience Requirements:
 
 
 <ul>
 <li>
 University bachelor&rsquo;s degree graduate preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study).
 
 
 </li>
 </ul>
 Required Special Skills:
 
 
 <ul>
 <li>
 Excellent oral and written communication skills (including report writing) in English and Arabic.
 </li>
 <li>
 Good interpersonal and presentation skills.
 </li>
 <li>
 Understanding of the relevant laws, regulations, and practices.
 </li>
 <li>
 Ability to make decisions and follow through with initiatives.
 </li>
 <li>
 Personal integrity and self-management.
 </li>
 <li>
 Planning, organising, and analytical ability.
 </li>
 <li>
 Results oriented.
 </li>
 <li>
 Strong analytical skills and the ability to communicate both verbally and in writing with all levels of management.
 </li>
 </ul>
</div>

Card Fraud Risk Associate

ECCO Gulf Majorel Qatar

<div>Job Description
Job Summary.

The incumbent will be primarily responsible for monitoring the risk with respect to the Group&rsquo;s card portfolio (credit / debit / prepaid) with the objective of minimizing card losses by taking timely corrective/ remedial actions. Primarily has the responsibility for utilizing proprietary and third-party systems to monitor for suspicious and/or unusual customer card payment activity to minimize fraud losses perpetrated by and against customers.

In addition, the incumbent will also work closely with external customers and internal teams providing oversight, guidance in relation to Card Risk Issuing. 

<div>
<h2 class="jobSectionHeader">Essential Duties &amp; Responsibilities by Dimensions:</h2>

Shareholder &amp; Financial:
<ul><li> Analyse card usage trends (by merchant, channel, country, product, etc&hellip;) to identify, monitor and manage the fraud risk of the Group&rsquo;s card business and take the necessary corrective/ remedial action on timely basis to minimize card fraud losses in line with Group fraud risk appetite.</li></ul>
<ul><li> Implements KPI&rsquo;s and best practices for Card Risk (Issuing)</li></ul>
<ul><li> Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank.</li></ul>
<ul><li> Act within the limits of the powers delegated to the incumbent.</li></ul>
<h2 class="jobSectionHeader">
Customer (Internal &amp; External):</h2> 

<ul><li> Liaise with Group ITD on issues pertaining to enhancements in card systems (includes core-banking, authorization and card monitoring tools) to enable better management of the risk involved in cards usage.</li></ul>
<ul><li> Communicate with VISA, MasterCard, American Express and other card schemes on specific card fraud issues, as and when required.</li></ul>
<ul><li> Review transaction acceptance performance, fraud controls and rule configurations in order to reduce excessive fraud levels.</li></ul>
<ul><li> Respond to queries regarding unrecognized and/or suspicious card transactions.</li></ul>
<ul><li> Liaise with domestic Group divisions, departments in identifying potential fraud risk exposure with end objective to minimize, prevent and remediate any losses to the customers and the Organization.</li></ul>
<ul><li> To assist customers in all their queries on Bank&rsquo;s product and seek solution to their requests.</li></ul>
<ul><li> Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.</li></ul></div> 

<div>
<ul><li> Build and maintain strong/effective relationships with related departments/units to achieve the Group&rsquo;s objectives.</li></ul>
<ul><li> Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required.</li></ul>
<h2 class="jobSectionHeader">
Internal (Processes, Products, Regulatory):</h2>
<ul><li> Ensure the appropriateness of card risk-engine rules (credit/debit/prepaid/contactless), making changes or amendments to rules configuration in light of emerging fraud trends.</li></ul>
<ul><li> Ensure appropriate fraud reporting is undertaken on issuing fraud, with a view to identifying commonly occurring patterns and trends.</li></ul>
<ul><li> Ensure that all customer complaint cases related to fraudulent use of cards are resolved in a timely manner in conjunction with concerned business and operations departments.</li></ul>
<ul><li> Analyze on regular basis card portfolio usage reports to facilitate periodic review of usage-limit consistency.</li></ul>
<ul><li> Ensure that suspicious card transactions as notified to the incumbent by call center personnel and/or branch customer service staff are attended to and resolved in a timely manner.</li></ul>
<ul><li> Assist internal/external auditors, as required, in conducting investigation cases related to card fraud incidents.</li></ul>
<ul><li> Ensure proper reporting of card fraud cases on timely basis as mandated by the relevant payment systems and local regulatory authorities.</li></ul>
<ul><li> Work with Group Head of Operational Risk Fraud Oversight and AGM Group Operational Risk to reduce the likelihood of a negative card fraud risk event by establishing and reinforcing the infrastructure to support a strong control consciousness.</li></ul>
<ul><li> Hold meetings with staff and assess their performance, using as a primary benchmark the Card Risk Quality Scorecard, as well as the section&rsquo;s overall performance, on a regular basis.</li></ul>
<ul><li> Take decisive action to ensure speedy resolution of unresolved staff grievances or conflicts within the team.</li></ul>
<ul><li> Support roll-out of card fraud awareness training for customer service staff.</li></ul> 

<h2 class="jobSectionHeader">
Learning &amp; Knowledge:</h2>
<ul><li> Possess a good knowledge of the risk involved in all card products (credit/debit/prepaid/contactless) and merchant payment channels (POS, eCommerce, MO/TO and good knowledge of related operations, controls and regulatory framework.</li></ul>
<ul><li> Identify areas for professional development of self.</li></ul>
<ul><li> Proactively identify areas for professional development of self and undertake development activities.</li></ul>
<ul><li> Seek out opportunities to remain current with all developments in professional field.</li></ul>
<h2 class="jobSectionHeader">
Legal, Regulatory, and Risk Framework Responsibilities:</h2>
<ul><li> Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).</li></ul>
<ul><li> Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.</li></ul>
<ul><li> Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.</li></ul>
<ul><li> Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.</li></ul>
<ul><li> Maintain appropriate knowledge to ensure full qualification to undertake the role.</li></ul>
<ul><li> Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.</li></ul>
</div>
<ul><li> Attend mandatory (internal and external) seminars as instructed by the Bank.</li></ul>
<h2 class="jobSectionHeader">
Other:</h2> 

<ul><li> Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.</li></ul>
<ul><li> Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need-to-know basis only to Senior Management of Bank, Audit and Compliance functions, and relevant Regulators.</li></ul>
<ul><li> Maintain high professional standards to uphold Company's reputation and to strengthen its market leadership position.</li></ul>
<ul><li> All other ad hoc duties/activities related to the management might request from time to time.</li></ul> 

<h2 class="jobSectionHeader">
Education &amp; Experience Requirements:</h2>
<ul><li>University bachelor&rsquo;s degree graduate preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study).</li></ul>
<h2 class="jobSectionHeader">
Required Special Skills:</h2>
<ul><li> Excellent oral and written communication skills (including report writing) in English and Arabic.</li></ul>
<ul><li> Good interpersonal and presentation skills.</li></ul>
<ul><li> Understanding of the relevant laws, regulations, and practices.</li></ul>
<ul><li> Ability to make decisions and follow through with initiatives.</li></ul>
<ul><li> Personal integrity and self-management.</li></ul>
<ul><li> Planning, organising, and analytical ability.</li></ul>
<ul><li> Results oriented.</li></ul>
<ul><li> Strong analytical skills and the ability to communicate both verbally and in writing with all levels of management.</li></ul></div>

SFAI Qatar

Key Responsibilities &amp; Tasks1. Treasury Strategy<ul><li>Develop and implement treasury strategies aligned with company financial goals and risk tolerance.</li><li>Conduct financial analysis and provide recommendations to support strategic decision-making and business growth.</li><li>Evaluate capital expenditures and manage investment portfolios to optimize returns and minimize risk.</li></ul>2. Cash &amp; Liquidity Management<ul><li>Manage the company&rsquo;s cash flow and liquidity to ensure sufficient funding for operations and investments.</li><li>Develop and maintain accurate cash forecasts, updating positions and funding requirements regularly.</li><li>Oversee bank account management, ensuring efficient organization, cash flow monitoring, and internal controls.</li></ul>3. Financial Reporting &amp; Planning<ul><li>Ensure timely and accurate treasury reports and plans to support financial transparency and business performance.</li><li>Present treasury reports and insights to the Investment Management Committee, supporting strategic decisions.</li><li>Maintain and strengthen relationships with banks and the Ministry of Finance to support financial operations.</li></ul>4. Risk Management &amp; Compliance<ul><li>Analyze financial risks and develop effective mitigation strategies.</li><li>Manage foreign currency exposure and implement foreign exchange risk management measures.</li><li>Ensure compliance with banking regulations, IFRS/GAAP standards, and internal company policies.</li><li>Coordinate with internal and external auditors, providing necessary documentation.</li><li>Establish and oversee treasury risk management practices to identify, assess, and mitigate market, credit, and operational risks.</li></ul>5. Banking &amp; Cash Management<ul><li>Manage banking relationships and contracts to optimize services and cash management.</li><li>Oversee wire transfers, petty cash, and corporate credit card operations.</li><li>Review and enhance banking services to ensure operational efficiency and cost-effectiveness.</li></ul>6. Other Duties<ul><li>Perform additional related duties as assigned by the Finance Director to meet operational and strategic requirements.</li></ul>Qualifications, Experience &amp; CertificationsEducation:<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Financial Management, Business Administration, or related field.</li><li>Master&rsquo;s degree in Finance, Economics, or related field preferred.</li></ul>Work Experience:<ul><li>Minimum 12 years in treasury, investments, or related roles, preferably in the transportation sector.</li><li>2&ndash;3 years in senior leadership or similar positions.</li><li>Proven experience in financial analysis, treasury decision-making, and risk management.</li><li>Leadership experience managing and mentoring treasury teams.</li><li>Strong track record of compliance with financial regulations.</li></ul>Certificates &amp; Trainings:<ul><li>Chartered Financial Analyst (CFA)</li><li>Certified Treasury Professional (CTP)</li><li>Certified Investment Manager (CIM)</li></ul>Job Types: Full-time, PermanentPay: QAR30,000.00 - QAR32,000.00 per monthExperience:<ul><li>similar role : 10 years (Required)</li></ul>License/Certification:<ul><li>Qatar ID (Preferred)</li></ul>

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