Saleh AlGhamdi

• Mitigated business risks by devising strategic internal controls and procedures.
• Developed effective risk management strategies for improved financial security.
• Identified potential areas of improvement in audit procedures, enhancing overall effectiveness.
• Updated senior leaders regularly, reporting significant internal control issues.
• Assessed staff efficiency and productivity and made recommendations for improvements.
• Collaborated across teams to implement Three Lines of Defence model.

• Developed robust auditing systems to enhance corporate governance.
• Assessed operational efficiency for improved business performance.
• Drew up annual Internal Audit Plan based on key risks and strategies.
• Reported on control deficiencies to management and made recommendations to mitigate risk and add value.
• Coached internal audit team to achieve targets and fulfil deadlines.
• Assessed staff efficiency and productivity and made recommendations for improvements.
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• Led the development and implementation of the internal audit quality assurance and improvement program (QAIP) in alignment with IPPF
• Ensured compliance with regulatory requirements and best practices in internal audit methodologies.
• Conducted internal and external quality assessments to enhance audit effectiveness.
• Provided strategic guidance on audit policies, procedures, and risk-based audit planning.
• Facilitated continuous improvement initiatives and training programs for internal audit teams.
• Oversaw adherence to risk appetite frameworks and governance standards.
• Reported key audit quality metrics to senior management and the audit committee.
• Successfully achieved full compliance in external quality assessments.
• Developed and standardized quality assurance processes, leading to increased efficiency.
• Enhanced internal audit team capabilities through targeted training and mentoring.
• Improved audit report clarity and impact, increasing engagement from stakeholders.

• Conducted staff training sessions on compliance matters for better understanding.
• Communicated findings from audits clearly with stakeholders, maintaining open lines of communication.
• Provided constructive feedback after each audit session, leading to continuous improvement.
• Conducted internal audits to identify potential risks for the company.
• Auditing more than 120 auditable entities for 3 years with an average of 40 hours per unit.
• Monitor All Closing Processes for pending issues with all kinds of branches in the bank.

• Initiated regular reviews, ensuring adherence to policies and procedures.

• Oversaw record keeping to ensure accuracy and completeness.

• Implemented process improvements for enhanced operational effectiveness.

• Increased system security by developing and implementing advanced user access controls.

• Preparing daily reports on customer accounts with overdrafts.

• Monitors Retail customers’ overdrafts (i.e., increase and decrease in amount and account).

• Identifies customers with overdrafts and analyzes and determines root cause/s of overdrafts.

• Follow up and ensure branches settle outstanding customer overdrafts.

• Prepares data and reports for downgrade and write-off of customer overdrafts.

• Monitor Branches (country-wide) wash A/C activities.

• Monitor Branches (country-wide) Commission A/C activities.

• Report all Discrepancies in Bank assurance contracts and follow up with branches.

• Monitor Chequebook dispatch among Branches and HO.

• Monitoring Interest Rate Changing.

• Proficiency in monitoring Retail Banking Fraud cases, conducting comprehensive initial investigations, and summarizing the reports before submitting them to the Anti-Fraud & Investigation Department.

• Implementing the legal –files decisions in the Retail Banking Group while supporting SEG(Secretary General Office) and Legal Division. Also, adhering to SAMA memos and inquiries pertaining to customer legal proceedings.

• Analyze customers' complaints and execute appropriate corrective actions to address control or procedural gaps, if any.

• Recommends corrective or permanent controls to be incorporated in the Policies and Procedures.

• Analyzes TODs and recommends write-offs as part of the clean-up process.

• Performs follow-up with the concerned entities (i.e. Branches, Regional OSCDs, etc.) related to pending and un-submitted customer legal files and signature cards and legal files/signature cards with discrepancies.

• Reports control deficiencies identified directly to the Operations Control and System Re-engineering (OCSR) Department Manager and provides recommendations for improving the control gaps and addressing such deficiencies.

• Ensures the tasks performed in the above activities are covered/documented in the Policies and Procedures.

• Monitors control items and advises Operations and Control Department Manager to minimize risk from poor internal controls.

• Performs other tasks related to internal control that the superiors may assign from time to time.

• Developed comprehensive reports detailing department activity, leading to better transparency.

• Manage daily fraud risk monitoring of fraudulent and suspicious activities associated with the bank’s broad range of products and services offered by the bank business and support units.

• Sharing for setting risk parameters on the PRM system.

• Verifies credit card transactions on other banks' POS to ensure the transactions are not fraudulent.

• Conducts merchant credit and risk evaluation reviews in the signing-up process.

• Monitors all high-risk transactions and operations risks.

• Blocks use of credit cards based on information available or supplied by card schemes.

• Financial Investigation Process.

• Reporting Suspicious Transaction.

• Performed all customer-related financial transactions.

• Performed end-of-day transactions, i.e., Branch balance closing, reconciliation, etc.

• Performed all customer-related non-financial transactions, i.e., A/C opening, Card issuance, Chequebook Issuance, etc.