Amro Tawfik
Riyadh
Summary
I am a results-oriented executive manager with 19 years of experience in developing and implementing strategic solutions focused on governance, risk, and compliance. Demonstrated expertise in steering complicated initiatives, engaging stakeholders effectively, and maintaining compliance with regulations. Proficient in designing frameworks, automating processes, and ensuring compliance, especially with alignment with Basel, ISO, and COSO standards.
Overview
23
23
years of professional experience
Work history
Risk Management Executive Director
Medgulf
Riyadh , Saudi Arabia
11.2023 - Current
- Led risk governance and strategy, serving as Board Risk Secretary Committee and Chairman of Cyber Security Committee, Business Continuity Management Committee, Counter Fraud Governance Committee, and also member in Product Committee, and IT Governance Committee.
- Identified and analyzed corporate-wide risks, facilitating corrective action planning and standardizing processes.
- Evaluated risk mitigation measures and proactively adjusted policies to align with regulatory changes.
- Collaborated with business teams to improve financial performance and profitability through strategic recommendations and streamlined operations.
- Reported on risk profiles, audit findings, and KRIs to key stakeholders, fostering team engagement in continuous improvement.
Risk Management & Compliance General Manager
MedGulf
Riadh, Saudi Arabia
06.2022 - 11.2023
- Led risk governance and strategy, serving as Board Risk Secretary Committee and Chairman of Cyber Security Committee, and also member in Product Committee.
- Directed integrated risk and compliance frameworks, ensuring alignment and establishing strategic objectives and KPIs.
- Communicated organizational and risk strategies.
- Developed and managed operational plans and budgets for risk and compliance, contributing to company-level strategic goals.
- Advised Board and provided high-level risk management practices.
- Built robust risk management and control assurance functions based on international standards (COSO, ISO, Basil).
- Reviewed financial reports and developed forecasting tools to optimize operations, analyze revenue, and ensure policy adherence to regulations.
VP – Head of Operational Risk and Org. Resilience
Alahli Capital
Riyadh, Saudi Arabia
08.2019 - 05.2022
- Develops and implements annual Operational Risk plan, RCSA, Control Testing, KRIs, BCM, and policies.
- Manages and coaches Operational Risk & Organization Resilience team, ensuring effective implementation of best practices and staff awareness.
- Oversees operational risk and governance frameworks across all NCBC Group jurisdictions, meeting regulatory expectations.
- Leads incident reporting and monitoring of risk assessments, identifying gaps and control weaknesses, and coordinating related training.
- Develops and manages Business Continuity Management Systems (BCMS) governance framework, including enterprise-wide BCMS exercises and crisis management plans.
- Oversees development and implementation of corporate policies, standards, and guidelines across group.
Senior Business Risk and Control Manager
Saudi Arabian British Bank
Riyadh, Saudi Arabia
03.2016 - 07.2019
- Maintains strong relationships with internal teams, fostering effective policy governance and internal controls.
- Ensures adherence to regulatory requirements and updates internal policies and procedures accordingly.
- Manages risk reporting and governance, resolving outstanding internal and external audit findings within agreed timelines.
- Oversees identification, assessment, monitoring, and control of operational risk using Operational Risk Management Framework (ORMF) and Three Lines of Defense model.
- Develops and reviews policies to align with market conditions and Bank's risk appetite, ensuring timely updates and approvals.
- Manages departmental costs effectively and promotes continuous learning and development for team.
Retail Risk Policy Manager and BRCM
Saudi Arabian British Bank
Riyadh, Saudi Arabia
03.2014 - 03.2016
- Supports business growth by providing risk insights for product reviews, identifying revenue opportunities within risk appetite.
- Enhances retail risk appetite framework and reporting through developing risk tolerance levels and dashboards.
- Maintains strong operational risk controls and upholds internal control standards, adhering to international standards.
- Engaged risk function by implementing bank values, managing performance, and participating in team activities.
- Manages risk tolerance and stress testing frameworks.
- Maintains strong relationships with regulators, ensuring timely compliance and feedback on regulatory changes.
Risk Department Manager
Saudi Home Loans
Saudi , Arabia
08.2012 - 02.2014
- Designs and implements comprehensive risk management processes.
- Manages and updates credit policies, issuing bulletins for any changes.
- Provides daily support across entire retail credit cycle, from planning to collections.
- Prepares detailed MIS reports and presentations for management and Board Risk Committee on portfolio performance.
- Manages exceptions, monitors policy triggers, and addresses client complaints and audit issues related to product policies.
- Develops and enhances home loan products while taking risk measurements to prevent fraud and losses.
Consumer Assets and Sales Policy Manager
Banque Saudi Fransi
Saudi , Saudi Arabia
08.2010 - 08.2012
- Managed Consumer Loans Risk Unit, overseeing daily productivity, KPIs, and unit development.
- Developed and conducted annual reviews of New Product Program Policies in partnership with Retail Products Department.
- Issued policy updates.
- Provided daily support to all Credit Cycle Units (planning, sales, operations, and collections).
- Managed daily enrollment activities, including approvals, suspensions, monitoring scheme limits, and developing enrollment procedures.
- Oversaw personal loan exception and rescheduling cases, prepared market research analyses, and addressed all audit and SAMA-related issues.
Personal Loan Policy & Enrollment Manager
Saudi Hollandi Bank
Riyadh, Saudi Arabia
10.2009 - 06.2010
- Develops and manages New Product Program Policies, including controlling all policy parameters within bank system.
- Handles deviations and exceptional approval requests.
- Monitors portfolio growth and performance, analyzing bookings, approvals, rejections, delinquencies, and losses.
- Oversees policy triggers and concentration caps to maintain portfolio quality.
- Coordinates and supports other credit cycle units to ensure proper portfolio management.
- Takes ownership of all audit issues related to product policies and enrollments.
Risk Analyst in Operation Risk & Basel II Project
Saudi Hollandi Bank
Riyadh, Saudi Arabia
08.2007 - 09.2009
- Led SAS team and managed SAS automation projects, integrating with data warehouses.
- Automated IRB Models for PD, LGD, and EAD, and integrated them to calculate Expected Loss (EL).
- Designed and developed financial analysis, data structures, and management reports.
- Presented periodic updates on IRB modules for Basel II to bank's executive management.
- Served as Business Continuity Coordinator and developed KRIs and RCSA for risk management department.
- Improved financial status by analyzing results, monitoring variances, and providing detailed analysis for business decisions.
Human Resource Coordinator
Saudi Hollandi Bank
Riyadh, Saudi Arabia
09.2006 - 08.2007
- Provided internal and external stakeholders with professional, compliant HR support for smooth-running processes.
- Assisted in employment relations case work.
- Ensured accurate, efficient HR administration focused on recruitment, payroll and benefits support.
- Carried out new-starter HR briefings, providing up-to-date advice on best company practices for consistent staff compliance.
- Monitored company HR data.
Finance Clerk
SPIMACO
Riyadh, Saudi Arabia
06.2002 - 06.2004
- Generated account statements outlining payments and balances.
- Monitored accounts payables and receivables to proactively spot and handle problems.
- Met departmental training requirements to consistently improve standard of work.
- Used correct classifications and coding for accounting transactions.
Education
B.Sc - Quantitative Methods
King Saud University
Riyadh07.2006
Skills
- Problem Solving and Decision Making
- Leadership and People Management
- Business Management Skills (understand strategy, business functions, decision-making and workflow)
- Excellent communication skills
- Proactive thinking
- Sharp analytical skills
- Quick learner and team player
- Self-motivated
- Initiative and can-do attitude
- Consulting
- Negotiation
- Dependable and Responsible
- Company risk management
- High-value project management
Languages
Arabic, English
Accomplishments
- Chairman of the Board of Directors, Al-Basatin Neighborhood Association in Diriyah.
- Active and influential member of the PRMIA Steering Committee, demonstrating strong leadership and industry influence.
- Graduated from the 2030 Future Financial Leader Program (Financial Academy & CCL sponsored), highlighting a commitment to advanced leadership development.
- Instrumental in establishing and enhancing company-wide governance, including delegation of authority and accountability mechanisms, fostering transparency and effective governance, risk management, and compliance.
- Developed and implemented multi-year risk and compliance strategies, and established new risk and credit departments/functions, showcasing strategic vision and execution.
- One of the key leaders in the merger of SABB/Alawwal and SNBC/SAMBA Capital.
- Successfully delivered Basel II modules.
- Successfully developed operational, resilience, and fraud risk frameworks for SNB Capital.
Custom
Sports, Hi-Tech news, Traveling, Video Gaming, and Cars.
Personal Information
Nationality:Saudi
Timeline
Risk Management Executive Director
Medgulf
11.2023 - Current
Risk Management & Compliance General Manager
MedGulf
06.2022 - 11.2023
VP – Head of Operational Risk and Org. Resilience
Alahli Capital
08.2019 - 05.2022
Senior Business Risk and Control Manager
Saudi Arabian British Bank
03.2016 - 07.2019
Retail Risk Policy Manager and BRCM
Saudi Arabian British Bank
03.2014 - 03.2016
Risk Department Manager
Saudi Home Loans
08.2012 - 02.2014
Consumer Assets and Sales Policy Manager
Banque Saudi Fransi
08.2010 - 08.2012
Personal Loan Policy & Enrollment Manager
Saudi Hollandi Bank
10.2009 - 06.2010
Risk Analyst in Operation Risk & Basel II Project
Saudi Hollandi Bank
08.2007 - 09.2009
Human Resource Coordinator
Saudi Hollandi Bank
09.2006 - 08.2007
Finance Clerk
SPIMACO
06.2002 - 06.2004
B.Sc - Quantitative Methods
King Saud University
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