Ghadeer ALKhenaifer

• Developing, reviewing and update Board, Committee Charters.
• Reviewing and update Policies and Procedures.
• Advise on policy creation and strategic governance initiatives, enhancing organizational alignment with governance standards.
• Prepare Committees Members conflict of interest Statues report.
• Managing SAMA requirements, circulations and new regulations.
• Prepare any documentation and MoMs related to Board and Committee meeting minutes through K2 system.
• Prepare Committees Monitoring report.
• Engage with internal audit during reviews and ensuring all audit observation/finding and carry out closure of any opened action items.
• Prepare incidents report.
• Implement the governance framework that aligns with SAIB objectives and regulatory requirements.

• Preparing through the RH system the implementation of newly issued by SAMA regulations to the stakeholder and following up the implementation to meet regulatory requirements and achieve a complete compliance level within the time frame imposed by the regulator.
• Assist in monitoring compliance with internal policies, procedure, and extrarenal regulations.
• Providing feedback / recommendations on the new products, campaigns and marketing materials.
• conduct the necessary compliance assessment to ensure the compliance with regulatory requirements as well as transparency with the customer as per the consumer protection rules and obtaining the Saudi Central Bank approval/non-objection where required.
• Providing feedback / recommendations on the SAIB policies, procedures, forms, contracts to ensure adherence to regulatory requirements and address non-compliance within the SLA.
• Preparing a draft CAP for SAMA penalties and identifying the stakeholders.
• Preparing SAMA report on the product services and products.
• Upload new / updated regulations in RH system
• Providing feedback / recommendations on business inquiries about the regulatory requirements.
• Update the related tasks status in Regulatory Compliance register dashboard.
• Maintain accurate records and documentation related to compliance activities, audits and investigation
• Coordinate and remediate Audit observations on agreed time frame with no past due observations.
• Assist in the development and delivery of compliance training program for employees.
• Preparing compliance programs to trained co-op programs.
• Review the implementation of approved departmental policies, processes, procedures, recommends improvements where required and provides instructions to subordinates and monitors their adherence so that Work is carried out in a controlled manner.
• Review / ensure and add Regulatory Compliance recommendations to the stakeholders on Risk Control Self-Assessment (RCSA) with the relevant departments to implement and aligned with SAMA.

Projects: (Work as owner of project manager in Robbit Hole system project as following):

• Add all updated laws, circulars, regulations, rules, and etc. to the system from regulations arthurites websites.
• linked the direct SAMA circulars, instructions, rules and other regulations arthurites in RH system and to make it easier to access to Statehooders the system.
• Links stakeholders to the system to received nonfictions for any SAMA and regulations arthurites instructions.
• Modifying the previously added from circulars, instructions and rules in RH system and re -corrected it such as (date, subject, circular number, instructions and rules).

• Establishment GRC Department.
• Determining compliance and governance rules, regulations, decisions, and instructions imposed by the government and its businesses must comply with and for all internal unit activities to provide recommendations and suggestions for improvement in various areas based on compliance reports.
• Preparing reports compliance and programs and determent for their implementation.
• Defining reviewing and monitoring compliance plan and develop governance framework.
• Following up with all sectors and businesses departments on the implementation plan to ensure to comply to laws and regulations.
• Implementing internal governance policies and frameworks, including the Responsibilities and Authorities Involvement (RACI) matrix, to ensure that all major decisions are made in line with the interests of the organization.
• Facilitate training sessions and awareness program on governance best practices.
• Communication with government for new laws and regulations related to governance and ensure compliance with it.
• Facilitate the flow of information and communication between the organization and/or relevant external parties (for example, government Authorities).
• Develop and update internal governance policies and frameworks, including the system's accountability matrix.
• Support the organization's departments' compliance with quality standards and strategic objectives.
• Develop, implement, and monitor governance policies and procedures to support effective project management and compliance.
• Determine the rules, regulations, decisions and circulars imposed by the government, which the organization and its businesses must adhere to.
• Preparing a compliance plan and its implementation mechanisms, and defining plans for reviewing, monitoring, and following up on implementation and compliance with laws and regulations.
• Defining the governance framework between the organization's departments and the relationships between stakeholders, including defining responsibilities, identifying and assessing risks, managing them, and complying with regulations and laws.

• Develop, implement, and mange comprehensive compliance policy, procedures and framework.
• Track and report on compliance status, risk and mitigation effects.
• Monitor and ensure compliance with entities SAMA rules, governance framework, policy and standards.
• Update the obligation register on a regular by Add new applicable rules, regulations and circular to the OR system.
• Follow up with the business on the controls and related policies and procedures.
• Conducting the risk assessment.
• lead internal compliance reviews and audits to ensure adherence to applicable laws and internal policies .
• Assisting head of compliance in any request, and provide updates and action taken.
• Assisting CMP management to maintain issues and SAMA observations and inspections.
• Reviewing and updating Compliance Policies and procedures.
• Conduct compliance monitoring review as per the annual CMP plan, review the process for relevant bank departments and issue reports of findings.
• Update the obligation register on a regular by Add new applicable rules, regulations and circular to the OR system.
• Follow up with the business on the controls and related policies and procedures.
• Conducting the risk assessment.
• lead internal compliance reviews and audits to ensure adherence to applicable laws and internal policies.
• Assisting head of compliance in any request, and provide updates and action taken.
• Assisting CMP management to maintain issues and SAMA observations and inspections.
• Reviewing and updating Compliance Policies and procedures.
• Conduct compliance monitoring review as per the annual CMP plan, review the process for relevant bank departments and issue reports of findings.

• Executed complex audits, contributing significantly towards enhancing operational efficiency.
• Streamlined auditing processes by implementing innovative risk management strategies.
• Recommended improvements to existing controls for enhanced security measures.
• Identified process improvements during routine audits, leading to significant cost savings
• Achieved high score in audit quality assessment review.
  Consistently obtained a high percentage of final scores after each audit engagement on the audit quality assessment form. Including the following:
  -Working on audit reports.
  -Elapsed time report.
  -An elapsed time per audit.
  -Opportunities/relevance of findings report.
  -Automation of auditing process and audit evidence.
  -Took initiatives to improve the work utilizing the IA work environment.
  -followed up on audit observation and corrective actions.

• Established Compliance department at STC Channels in 2018.
• Maintained STCC compliance governance framework, policies, and manuals in line with STCC ready strategy.
• Maintained and updated STCC compliance universe "Automated Repository "
• Conducted compliance checks, reviews on the regulatory rules and regulations as per the compliance annual plan.
• Reviewed penalties, violations, and complaints and report to ensure corrective/ preventive measures been taken.
• Regularly reviewed STCC policies and processes and mapping them to regulatory rules and regulations bodies (Ex. CITC, STC, and all other applicable regulatory bodies).
• Identify potential compliance risk through thorough assessments and audit.
• Ensure timely resolution of non-compliance issues and continuous improvement in compliance performance.
• Communicated all the new/updates of regulatory rules and regulations to the concerned STCC business unit and maintained day-to-day activities.
• Generated reports on the compliance-related activities like "compliance annual report.

• Enhanced effectiveness of the compliance risk early alert process by conducting regular reviews of compliance issues in the business and functional areas.
• Conduct regular compliance audit, monitoring, and performance reviews to ensure accountability.
• Maintain comprehensive documentation of audit processes, compliance framework, and corrective actions.
• Actively participated in Self-Assessments meetings and worked closely with the business on new and existing services and products to analyses the risk elements and advise them on any actions needed.
• Prepare detailed complain reported for management, highlight finding, risk and mitigation strategies.
• Participates in the production, documentation, and approval of the annual compliance testing and monitoring checklists and standards reports.
• Ensured that all testing and monitoring reports are undertaken effectively and ensured all reports as well are submitted accurately and on time.
• Responsible for keeping detailed records of alt compliance testing reviews and provided timely and professional responses to all requests.
• Supported Compliance Manager on the projects to promote the compliance culture within the BSF, during inspection to the bank, or to fulfil any compliance reporting requirements from the senior management.