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Work Background
IBL Bank salHead of Cards Department
Jan. 2013 - Dec. 2024LebanonMajor Accomplishments: ◦Restructured the Cards Department.
◦Launched and implemented card products and services including ATMs updates.
◦Executed profitability studies for all card products and ATMs.
◦Developed, tested, and implemented tuition fees (cardless) service on ATMs. Main Responsibilities: ◦Spearhead the management and development of the Cards Department, overseeing a team of 5 professionals and ensuring alignment with the bank's strategic goals and objectives.
◦Organize and streamline departmental operations, optimizing workflow for increased productivity.
◦Conduct daily monitoring of administrative and accounting duties, maintaining strict adherence to internal controls and compliance standards.
◦Monitor the accounting for all fees paid and received from international operators (VISA/MasterCard), ensuring accuracy and compliance with financial regulations.
◦Oversee the reconciliation of accounts with international correspondents and payment centers, ensuring financial integrity.
◦Establish and maintain strong relationships with international operators (VISA/MasterCard) and external payment centers.
◦Provide strategic advice on electronic payment improvements and new products, contributing to the launch of new cards while optimizing existing card offers.
◦Develop and monitor the annual budget of the Cards Department, ensuring financial goals are met while maintaining cost-effectiveness.
◦Manage various stocks and place orders, optimizing inventory levels to meet departmental needs.
◦Validate all department procedures, ensuring compliance with industry regulations and internal policies.
◦Develop and manage ATMs service on both functional and technical levels, ensuring seamless operations and optimal user experience.
Société Générale de Banque au Liban SALDeontology Department – Anti-Money Laundering
Oct. 2011 - Jan. 2013◦Conducted thorough examinations of client files classified as "doubtful" to identify potential instances of money laundering.
◦Analyzed and interpreted complex financial transactions and patterns to identify suspicious activities within client accounts.
◦Conducted in-depth investigations into suspicious files, utilizing advanced analytical tools and techniques to uncover illicit financial activities.
◦Categorized and classified analyzed files based on the severity and nature of identified concerns.
◦Prepared comprehensive reports detailing findings and recommendations for further action, providing clear and concise information to aid decision-making processes.
Société Générale de Banque au Liban SALChange of Core Banking System Department
Nov. 2009 - Oct. 2011◦Change Management Team: Major Accomplishments: ◦Preparation of technical and functional requirements for the integration of the SGBL electronic payment system and subsidiary systems into the banking infrastructure.
◦Pre-selection process for the optimal core banking system that meets the bank’s overall requirements, while undergoing training and presentations on various core banking modules.
◦Responsible for all aspects of integration of both the card department and treasury department into the new core banking environment.
◦Piloted in close coordination with relevant entities on the different phases of the Banking System Change Project.
◦Participated in testing modules related to Electronic Payment, Dealing Room, and Treasury functionalities.
◦Branch animation action plan definition. Main Responsibilities: ◦Analyzed challenges, identified workarounds, and configured the new system to optimize performance and functionality.
◦Prepared and participated in system migration activities, including user training, as well as post-migration follow-up and user support.
◦Managed the Training site in close collaboration with relevant stakeholders to establish training courses dedicated to the integration of new employees.
◦Set up and monitored the branches animation action plan in collaboration with relevant stakeholders, including the development of dashboards, motivation initiatives, and employee involvement strategies.
◦Provided support for external consultants in the implementation of integration strategies, ensuring alignment with organizational goals.
Société Générale de Banque au Liban SALPOS Acquisition Manager – Electronic Payment
Oct. 2004 - Nov. 2009Major Accomplishments: ◦Implementation of an innovative Loyalty program enabling clients to cumulate points while using their cards and banking services and allowing them to redeem their points directly from SGBL POS terminals.
◦Initiation of VISA/MasterCard Campaigns, by applying all the requirements on ATM screens, ATM rolls, banners, cards statements.
◦Acquisition of ISO in October 2008.
◦Migration of POS systems to EMV standards.
◦Implementation of a new POS management system. Main Responsibilities: ◦Oversaw and tracked the progress of various projects within the Electronic Money department, ensuring timely delivery.
◦Managed the administrative aspects of the POS acquisition section, particularly focusing on SGBL merchants.
◦Collaborated closely with lawyers to build different agreements with Merchants, ensuring clarity and alignment with business objectives.
◦Innovated and implemented updated administrative and commercial procedures for efficient POS acquisition management.
◦Collaborated with the CTM department to oversee the technical and functional aspects of POS operations, ensuring seamless integration.
◦Conducted ongoing monitoring and risk analysis of SGBL merchants, specifically focusing on identifying and mitigating various fraud risks.
◦Monitored daily POS acquisition activities, including correspondent interactions, stock management, transaction processing, and profitability analysis of SGBL traders.
◦Maintained constant vigilance through permanent and monthly monitoring of various Electronic Payment departments.
◦Provided training to SGBL sales managers, enhancing their awareness and understanding of the risks associated with POS activities.
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