Risk Management is an organization's strategic asset. ARMSS is here to drive Risk Management Transformation.

  Experience:

25+ years of experience in HSBC Egypt, HSBC Middle East (UAE).

Education:

Bachelor Degree in Commerce, on-job trainings in RCA, Scenario analysis, Enterprise and operation risk management, cyber & Information Technologies, AML & Sanction, Antibribery and Corruption.

Location:

Dubai, UAE with Potential for re-location to KSA

Previous Roles:

HSBC: Senior Regional Chief Control officer for Information Technology and Cyber Security; Chief control Officer for Technology; Several roles in retail, including Operations Manager and Deputy Branch manager. 

Domain Expertise:

1. Risk and Control Assessment,
2. Gap Analysis,
3. Incident Management,
4. Control enhancement,
5. Key Control Indicators,
6. Audit Management and Remediation,
7. Banking & Financial Regulations,
8. Banking Operations - KYC and Payments,
9. Business Continuity Management,
10. Corporate Governance and Compliance,
11. Enterprise Risk / Operational Resilience Risk,
12. Inducing Risk awareness and training,
13. Anti-money Laundry and sanctions

Major Assignments:

1. IT Controls uplifting for newly joined entities;
2. Gap Analysis for SDLC, Access Management and Incident Management controls
3. Implementation of restructure of Operation Risk strategy and Framework
4. Chairing monthly Regional Risk forums
5. Enhancing KCIs and Processes
6. Localizing global controls
7. Developing risk and Controls MIs
8. Developed the mindset in HSBC staff to adapt risk management in their business as usual, plus simplification of Enterprise risk enabling efficient risk management by all stakeholders.

Experience:

20+ years of experience - SABB, Ministry of Energy, Delta Seven Consulting, Al-Akria and Rakaz Company 

Education:

Bachelor of Accounting; SOCPA; VAT; IPSAS

Location:

Riyadh, KSA

Previous Roles:

SABB: Head of Financial Control; MOE: Head of Corporate Audit and as CFO for other 2 companies 

Domain Expertise:

1. Audit and Assurance;
2. Cash Flow & Liquidity;
3. Corporate Finance;
4. ERP Implementation;
5. External Audit Management;
6. Financial Modeling & Analysis;
7. Financial Planning; Financial Reporting;
8. International Public Sector Accounting Standards;
9. Value Added Tax;
10. Zakat and Tax

Major Assignments:

1. Develop and execute comprehensive financial strategies;
2. Lead and oversee the budgeting, forecasting, and financial modeling processes;
3. Continuously monitor and optimize cash flow, liquidity and working capital management;
4. Establish robust cash flow forecasting models and liquidity planning frameworks;
5. Lead the preparation and presentation of financial statements;
6. overseeing external audit from planning to completion;
7. Develop and implement comprehensive tax strategies;
8. Oversee the complete lifecycle of fixed assets, including acquisition, capitalization, depreciation and disposal.

Awards Received:

Distinguished Team Award for 2024, presented by the Minister of Energy  

Experience:

20+ years of Banking experience at HSBC and Commonwealth Bank of Australia (CBA)

Education:

Master of Business Administration, Certified Internal Auditor, and CAMS Certified

Location:

Dubai, UAE

Previous Roles: 

HSBC: Head of Internal Audit Oman; Head of Remediation Management Officer; CBA: GM Group Audit and Assurance; and TATA Services: Assistant Manager (Call Center)

Domain Expertise:

1. Audit and Assurance;
2. Continuous Monitoring of Key Indicators;
3. KYC and Payment Processing Compliance;
4. Operations Process Improvement and STP;
5. Regulatory Requirements and Engagement;
6. Risk Management;
7. Stakeholder Engagement;
8. Strategic Planning and Leadership

Major Assignments: 

1. Enhanced the Quality of Audit Services;
2. Timely Delivery of Quality Audit Reports;
3. Developed Target Operating Models for Audit and Assurance Function;
4. Transformation Project for Enhancing Compliance to Regulatory Standards;
5. Enhance Three Lines of Defense Across the Bank;
6. Improved Risk and Control Environment and enhanced Decision-Making Processes;
7. Reduced Outstanding Issues across all functions;
8. Established Teams for sustainable remediation of Financial Crime Issues

  Experience:

15+ years of experience delivering and implementing technology solutions for the Banking and Financial Services (BFSI) sector

Education:

Bachelor of Engineering – Electronics & Telecommunication

Location:

Dubai, UAE

Previous Roles:

Ember Technologies International DMCC: Director; Ember Technologies Private Limited: Director; NetXD Inc: Product Manager, Consultant, and Infosys Limited: Software Engineer, Product, Finacle

Domain Expertise:

1. Cloud Architecture & Migration; DevOps & CI/CD Implementation;
2. Compliance & Security; BFSI – Payments, Reconciliation, ore Banking Integrations;
3. Technology Strategic Planning and Leadership

Major Assignments:

1. Led PCI-DSS readiness and certification initiative for a fully cloud-based infrastructure
2. Designed and implemented high-availability systems for BFSI clients handling millions of transactions per day
3. Enabled Real-Time Payments (RTP) infrastructure for a U.S.-based fintech, including integration with RTP networks and compliance requirements
4. Successfully launched modern sidecar core banking solution for a customer, aligning core platform functionality with digital-first fintech products
5. Migrated legacy infrastructure to Azure DevOps and implemented CI/CD pipelines, improving delivery efficiency and traceability

  Experience:

25+ years of Banking experience at HSBC

Education:

Bachelors in Economics, Post Graduate Diploma in Computer Applications, Change Management Practitioner, Professional Certificate Programme in Data Science and Artificial Intelligence for Managers (ongoing)

Location:

Dubai, UAE

Previous Roles:

HSBC: Senior Programme Manager – Group Risk and Compliance; Head of Risk and Compliance Transformation; Programme and Portfolio Lead – Transaction Monitoring

Domain Expertise:

1. Enterprise Risk Systems & Change Enablement; Credit Risk Systems & Automation;
2. Credit Bureau Integration & Risk Data Enablement; Fraud Prevention Systems;
3. Programme Management & Technology Transformation;
4. Compliance Transaction Monitoring and Sanctions Advisory;
5. IBM AS/400 Programming and Operations

Major Assignments:

1. Project to enhance Risk Management Framework;
2. Compliance Transformation Programme Management;
3. Optimize Risk Systems and Change Management;
4. Implement Credit Bureau – Risk & Data Integration;
5. Multiple development projects for Core Banking System
6. Incident Management and Fire-Fighting Support on Core Banking System

Experience:

15+ Years of experience in SABIC, Saudi Aramco and Riyadh Bank

Education:

MBA, B.E (Chemical), Diploma Crisis and Disaster Management and (MSc Risk Management) plus Certified ISO 31000, ISO 37000, CISA, Project Management and Six Sigma

Location:

Riyadh, KSA

Previous Roles:

SABIC: Lead Activities – BCM, Audit Pre-Assessment. Data Quality, Internal Control (IC); Senior Quality Auditor; Senior Operational Auditor; Risk Engineer; Aramco: Project Engineer; Riyadh Bank: Senior Risk Analyst

Domain Expertise:

1. Internal audit, Risk management,
2. Business Continuity,
3. Supply Chain,
4. Operations Process Improvements,
5. Leading projects and investment opportunities.

Major Assignments:

1. Oversee and Review Crisis Management and Emergency Response Exercises;
2. Implement global strategy and roadmap for Supply Chain Data Integrity
3. Lead Internal Audit Transformation for continuous monitoring for SABIC IA Methodology Teammate, ACL (Data Analytics tool)
4. Assurance Review on Recovery procedures, Restoration of key corporate resources and Resumption of
5. Critical business processes

Experience:

15+ years of Cyber Security Reviews across multiple organizations

Education:

All major cyber certifications, such as OSCPs, CRTP, CEHv5, CHFI, (CAPenX), 

Location:

Riyadh, KSA

Previous Roles:

Information Security Engineer, Cyber Security Consultant, Director Cyber Security Operations, 

Domain Expertise:

1. Offensive Security, Penetration Testing;
2. Ethical Hacking,
3. Burp Suite Certified Practitioner,
4. Port swigger,
5. Red Team Management,
6. Zero-Point Security,
7. Python Scripting for Cyber Testing;
8. Cyber Security of Web Application,
9. Mobile Applications,
10. Network Infrastructure,
11. Cloud Security, and APIs

Major Assignments:

1. Various Penetration Testing Projects with Clients for Governments, Banks, etc.
2. Carryout Threat Analysis, Vulnerability Research, CVE and Exploits for various systems and applications 
3. Lead Red Team testing units 
4. Develop security tools, crafting proof-of-concept exploits using deep technical knowledge and experience

Winner of Saudi National Information Security Competition

Experience:

25+ years of Cyber Security Advisory

Education:

BS Engineering; Certified Information Systems Security Professional (CISSP); ISO 27001 Lead Auditor; ITIL Foundation Certified

Location:

Riyadh, KSA

Previous Roles:

Cyber Security Advisor; 

Domain Expertise:

1. Strategic Leadership & Vision;
2. Cybersecurity & Risk Management;
3. Digital Transformation;
4. Business Development & Growth;
5. Regulatory Compliance & Governance;
6. Operational Efficiency and Cost Optimization 

Major Assignments:

1. Designed and implemented a nationally recognized cybersecurity risk mitigation plan at Tadawul, strengthening organizational resilience
2. Led Nahil Computer Company from SAR 2M to SAR 56M in under two years by creating a cybersecurity division and fostering strategic alliances. 
3. Quadrupled Vectra’s market reach in Saudi Arabia, securing 20+ high-profile clients.
4. Led a team of 150+ professionals at ISE, optimizing service delivery across multiple locations and integrating advanced cybersecurity solutions.

Experience:

10 Years (7+ at Emirates NBD Bank)

Education:

MBA and CAMS Certified

Location:

Dubai, UAE

Previous Roles:

Compliance Specialist, Transaction Monitoring; Senior Compliance Associate (In-charge of LEVEL- 2 Screening Alerts); 

Domain Expertise:

1. Anti Money Laundering,
2. AML/ KYC Verifications,
3. Sanctions Screening,
4. Adverse Media Search,
5. Client Onboarding,
6. Transaction Monitoring and Investigation,
7. PEP Screening,
8. AML Compliance Checks and Regulatory Reporting,
9. World Check,
10. Customer Due Diligence,
11. Enhanced Due Diligence,
12. Data Analytics

Major Assignments:

1. Major Project in applying Group Compliance Sanctions and Policies and while dealing with payment under Central Bank Instruction towards Freeze Notice, Central Bank Prohibit Notice, Regulatory Listing in CB Regulatory Law enforcement
2. Conduct Training to fellow staff on AML, Sanctions and Responding to Queries 

  Experience:

25+ years of External Audit, Risk Management and Financial Accounting

Education:

Chartered Accountant (CA)

Location:

Dubai, UAE

Previous Roles:

HSBC: Regional Senior Manager, Operational Risk Policy & Capital; KPMG: Audit Supervisor

Domain Expertise:

1. End-to-End Audit Engagement;
2. Project Management;
3. ICAAP and Stress Testing; Enterprise Risk Management;
4. End-to-End Accounting
5. Financial Reporting Life Cycle

Major Assignments:

1. Setup Internal Audit Function;
2. Multiple Projects in Audit and Risk Management; 
3. implementing and monitoring compliance with the HSBC Group's operational risk management framework; 
4. Annual Risk & Control Assessments;
5. Fraud incidents investigation and reporting; 
6. Stress testing projections for operational risk losses; 
7. Scenario analysis assessments for severe low probability operational risk events 

Experience:

16+ years of Banking Experience

Education:

MBA (Systems and Finance); B. Tech, Computer Science and Engineering

Location:

Dubai, UAE

Previous Roles:

HSBC: Senior Manager, IFRS9 & Stress Testing (Wholesale); Manager Risk Analytics; Manager Retail Provisioning; Analyst Collections and Dialer Strategy

Domain Expertise:

1. Various Data Analytical Tools (Excel, SAS, SQL, Python, Qlik and Tableau);
2. IBM Mainframe;
3. Risk Systems used at HSBC;
4. SOX Controls;
5. IFRS9

Major Assignments: 

1. Led Regional IFRS 9 Provision and Credit Risk Stress testing;  
2. Support Business-critical decisions on credit risk strategies, forecasting, and capital management.  
3. Drive Risk Function efficiency to manage and deliver acquisition and reporting of portfolio using analytical data/ tools
4. Support for preparing Risk Appetite Statement and ICAAP
5. Preparation, monitoring and reporting of key liquidity risk metrics;  

Experience:

25+ years of Cyber Security Advisory and Payment Card Industry expert 

Education:

PCI-QSA, CISA, CISM, CRISC, ISO 27001 Lead Auditor, Certified Ethical Hacker - ECC2495738160

Location:

Mumbai, India

Previous Roles:

Cyber Security Advisor; 

Domain Expertise:

1. Information Systems and Security Audit,
2. Security Design and Architecture,
3. Payment Card Industry,
4. Information Technology Risk Assessment,
5. Information Security Management, 
6. Network Security Assessment, 
7. Data Centre Management,
8. Business Continuity and Disaster Recovery across multiple industries.

Major Assignments:

1. 100s of consulting services to Banks, BPO and other industries. The experience includes PCI Assessments, reviewing controls.
2. Establishing and designing security architectures and
3. Implementing practical security solutions.