Faisal Salah Alkotob
Riyadh,Saudi Arabia
Summary
Strategic and results-driven banking professional with 10+ years of experience in fraud prevention and detection, operational risk management, and business performance leadership. Proven success in card system migrations, chargeback strategy, regulatory alignment, and bank merger integration. Played a pivotal role in the SAMBA–NCB bank merger, aligning operational risk frameworks and ensuring continuity across critical functions. Led organization-wide fraud risk assessments (FRA) and Risk and Control Self-Assessments (RCSA) that strengthened governance and delivered measurable loss recovery through arbitration and dispute excellence.
Overview
16
16
years of professional experience
2012
2012
years of post-secondary education
1
1
Certification
Work history
Head – Card Counter Fraud
The Saudi National Bank
Riyadh
01.2024 - 06.2025
- Led enterprise fraud risk assessments (FRA) to safeguard card portfolios and align detection strategies with regulatory expectations.
- Directed strategic fraud control during national card system migration, ensuring data integrity and end-to-end risk continuity.
- Integrated domestic transactions into global fraud monitoring network, improving visibility and responsiveness.
- Designed fraud control rules that achieved 70% reduction in card fraud losses, balancing protection with customer experience.
- Resolved key regulatory concerns by aligning operations with SAMA requirements and enhancing internal controls.
- Collaborated with law enforcement and legal teams on complex investigations involving reputational and financial exposure.
Manager – Operational Risk – Retail Banking & Loans
The Saudi National Bank
Jeddah
01.2020 - 01.2024
- Played key role in merger between SAMBA and NCB, contributing to integration of risk frameworks and ensuring continuity across retail operations.
- Executed Risk and Control Self-Assessments (RCSA) across retail banking products and loan portfolios, enhancing internal control maturity.
- Pre-evaluated new loan products for operational readiness and embedded control frameworks.
- Performed root-cause analysis on underperforming segments and implemented process remediation plans.
- Supported policy and procedure development for both retail and wholesale banking units to strengthen governance.
- Collaborated with internal audit and compliance to ensure alignment with risk appetite and regulatory standards.
Manager – Chargeback Operations (Issuer & Acquirer)
The National Commercial Bank
Jeddah
01.2013 - 01.2020
- Led credit and debit card dispute management, including chargeback filing, defense, and arbitration.
- Directed the integration of chargeback operations into upgraded card systems and global scheme platforms.
- Claimed back substantial losses through arbitration case management and was formally recognized with the bank’s 'Service Expert' trophy for excellence in dispute resolution and revenue protection.
- Created internal workflows and SOPs to improve dispute resolution speed and reduce errors.
- Mentored analysts and led chargeback operations to meet compliance and audit benchmarks.
Marketing Assistant (Intern)
AlQutub Furniture Company
Jeddah
06.2009 - 08.2009
- Participated in marketing campaigns and showroom merchandising during seasonal promotions.
Education
Bachelor of Science - Business Marketing
Lebanese American University
Skills
- Strategic & Risk Leadership
- Fraud Prevention and Detection
- Fraud Risk Assessment (FRA)
- Operational Risk Governance & RCSA Execution
- Regulatory Compliance (SAMA, AML)
- Risk-Based Product Evaluation
- Crisis & Incident Management
- Business Optimization & Oversight
- Card System Integration & Migration
- Chargeback Operations (Issuer & Acquirer)
- Policy & Procedure Development
- Executive Reporting & Stakeholder Engagement
- Team Leadership & Cross-Functional Collaboration
Certification
- Six Sigma Black Belt – Process Improvement & Quality Management
- Operational Risk Management Certification – Advanced Risk Governance
- Basel III – Capital & Liquidity Standards for Risk Professionals
- Operational Risk Awareness – Foundations of Operational Risk Culture
- Dispute Resolution Workshop – Visa – Card Disputes & Exception Handling
- Clearing & Reconciliation Operations – MasterCard – Settlement & Reconciliation Fundamentals
- Anti-Money Laundering (AML) Certification
- Card Dispute & Chargeback Resolution Training
Languages
Arabic
English
Timeline
Head – Card Counter Fraud
The Saudi National Bank
01.2024 - 06.2025
Manager – Operational Risk – Retail Banking & Loans
The Saudi National Bank
01.2020 - 01.2024
Manager – Chargeback Operations (Issuer & Acquirer)
The National Commercial Bank
01.2013 - 01.2020
Marketing Assistant (Intern)
AlQutub Furniture Company
06.2009 - 08.2009
Bachelor of Science - Business Marketing
Lebanese American University
Similar Profiles
Mohammed AlShehriMohammed AlShehri
Customer Service Representative at The Saudi National BankCustomer Service Representative at The Saudi National Bank
Areej KakiAreej Kaki
Senior officer Liabilities Product development at The Saudi National BankSenior officer Liabilities Product development at The Saudi National Bank
FAHD BIN MOSELEKHFAHD BIN MOSELEKH
Vice President of Information Technology at Saudi National BankVice President of Information Technology at Saudi National Bank
HUSSEIN ALAHMARIHUSSEIN ALAHMARI
Real Estate Consultant at Self-EmployedReal Estate Consultant at Self-Employed