REDHA NASSER ALREBDI

• Serve as Secretary of the CEO-chaired Counter Fraud Governance Committee (CFGC), supporting strategic oversight and reporting to the Risk Committee

• Support the implementation and embedding of the enterprise risk management framework across the organization through alignment of control functions, escalation protocols, and risk registers

• Enhance risk culture by promoting awareness of the organization’s risk management approach, reinforcing accountability, and embedding the importance of risk ownership across all business units

• Lead a multi-functional risk unit comprising investigation, monitoring, and prevention teams, responsible for identifying, assessing, and escalating internal exposures — such as internal fraud, policy breaches, control failures, and misconduct — while actively contributing to broader risk investigations where operational or governance breakdowns are uncovered. Ensure coordinated action, risk ownership, and control enhancements across all involved functions

• Contribute to oversight of third-party risk by supporting assessments, due diligence reviews, and integration of external exposure into the overall risk posture

• Develop and execute a comprehensive integrity and risk mitigation strategy, encompassing control frameworks, risk detection, and enterprise accountability mechanisms

• Lead the implementation of an enterprise-wide SAS-based detection system, enhancing real-time alerting, risk scoring, and enabling AI/ML capabilities for advanced behavioural analytics

• Collaborated with ERM to implement aligned KRIs, risk thresholds, and RCSA outputs within enterprise frameworks

• Serve as an active member of the Business Continuity Planning (BCP) team, contributing to the organization’s resilience posture through participation in annual Business Continuity and Disaster Recovery (BC/DR) exercises to validate system recovery, response readiness, and critical control continuity

• Ensure continuity of monitoring capabilities through VDI-enabled access and embedded BCP planning for high-risk systems

• Establish and lead a centralized second-line defense function focused on the identification, mitigation, and governance of financial misconduct and abuse

• Structure the department into dedicated teams overseeing detection, prevention, and response functions to strengthen control coverage and risk ownership

• Spearhead organization-wide transformation initiatives to improve monitoring, escalation, and intelligence sharing across high-risk channels including acquiring, issuing, and internal exposures

• Engage with peer institutions, fintechs, and regulatory counterparts to exchange typologies, benchmark emerging threats, and promote risk control innovation

• Stay informed on evolving regulatory requirements, emerging risks, and industry best practices; adapt internal frameworks and policies to maintain compliance and relevance

• Consider the potential financial, reputational, and compliance impact of risks when designing and recommending mitigation strategies

• Led the development and execution of fraud management strategies to mitigate losses across card issuing portfolios

• Provided strategic support to acquiring operations and merchant teams to address acquiring- related fraud exposures

• Oversaw day-to-day fraud prevention activities, including transaction reviews, application fraud, and fraud dispute resolution

• Introduced advanced analytics and automation to fraud detection processes, resulting in reduced false positives and improved efficiency

• Strengthened collaboration with cross-functional teams to improve fraud awareness and embed a fraud risk culture across business units

• Mentored and developed high-potential team members, contributing to succession planning and internal promotions

• Supported the Head of Fraud Prevention in the development and implementation of fraud management strategies
• Maintained and analyzed monthly fraud reports to identify trends, anomalies, and improvement opportunities
• Monitored fraud system performance and coordinated with IT for timely system updates and optimizations
• Participated in fraud rule writing and alert refinement processes to enhance detection accuracy
• Collaborated with investigators and analysts to escalate high-risk cases and ensure timely resolution
• Delivered knowledge-sharing sessions to fraud teams to improve understanding of emerging threats and internal controls

• Supervised daily operations of the fraud prevention team, ensuring adherence to internal procedures and service levels
• Monitored and reviewed alerts generated by fraud detection systems, assigning investigations as necessary
• Provided coaching, feedback, and quality reviews to fraud analysts to enhance performance and consistency
• Assisted in enhancing fraud rule sets and optimizing monitoring logic to improve detection capabilities
• Acted as a liaison between the fraud team and other business units to support fraud resolution and policy clarification
• Contributed to the development of training materials and onboarding support for new team members

• Reviewed transaction alerts and applications flagged by fraud detection systems to identify suspicious activity
• Investigated confirmed fraud cases and prepared case summaries for escalation and recovery processes
• Worked in alignment with internal fraud guidelines to minimize losses and ensure operational accuracy
• Collaborated with customer service, credit, and collections teams to resolve fraud-related inquiries
• Contributed to the improvement of fraud detection logic by providing feedback on rule performance
• Assisted in developing procedural documentation and shared insights during team calibration sessions

• Managed day-to-day retail operations and supervised a diverse customer service team
• Monitored staff performance, coached employees, and implemented process improvements to drive efficiency and service quality
• Contributed to sales initiatives, inventory control, and store presentation standards
• Supported hiring, onboarding, and ongoing training of new team members

• Delivered high-quality customer service and assisted with checkout and floor operations
• Maintained inventory, restocked shelves, and ensured compliance with health and safety standards
• Handled customer inquiries and resolved issues to support a positive shopping experience