Mohamed AlSutaihi

Managed high net worth clients to foster and enhance business relationships:

• Built and nurtured strong relationships with high net worth clients, offering personalized service and tailored financial solutions to meet their unique needs.
• Used a deep understanding of client profiles to anticipate needs and proactively address concerns, leading to increased client satisfaction and loyalty.
• Organized exclusive events and networking opportunities for VIP clients to strengthen relationships and promote engagement.

Ensured compliance with banking regulations during transactions to uphold the institution's integrity and credibility:

• Supervised all transactions involving high net worth clients to ensure strict adherence to banking regulations and standards.
• Implemented robust compliance protocols and conducted regular audits to protect the institution's reputation and prevent any regulatory breaches.
• Provided training and guidance to team members on compliance best practices, enhancing overall team competency.

Maintained updated knowledge about market trends to provide informed advice to clients:

• Continuously monitored and analyzed market trends, economic indicators, and financial news to stay ahead of industry developments.
• Used this knowledge to offer strategic advice and insights to clients, helping them make informed investment decisions and capitalize on emerging opportunities.
• Developed and presented market analysis reports to clients, showcasing potential investment opportunities and risks.

Managed portfolio reviews to maximize investment opportunities for clients:

• Conducted comprehensive portfolio reviews for high net worth clients, assessing performance and identifying areas for improvement.
• Developed and executed investment strategies tailored to clients' goals and risk tolerance, optimizing asset allocation and enhancing portfolio returns.
• Regularly communicated with clients to review progress and adjust strategies as needed, ensuring alignment with their financial objectives.

Developed strategies for increased cross-selling of bank products and services:

• Designed and implemented innovative cross-selling strategies to promote a wide range of bank products and services to high net worth clients.
• Collaborated with product teams to create customized offerings that align with clients' financial objectives.
• Trained sales teams on effective cross-selling techniques, resulting in increased revenue and deeper client engagement.
• Analyzed client data to identify cross-selling opportunities and track the success of implemented strategies.

Highly efficient and adaptable professional with a proven ability to carry out day-to-day duties with precision and accuracy. Demonstrates a strong aptitude for quickly learning and applying new skills to enhance productivity and efficiency. Consistently meets tight deadlines while maintaining a high standard of work. Known for a respectful, friendly demeanor and a willingness to assist colleagues and clients, contributing to a positive and collaborative work environment.

• Managing the development, implementation and maintenance of credit card products, portfolios, and alliances.
• Understanding of the credit card industry, customer needs and market trends.
• Developing and executing strategies to maximize customer satisfaction, profitability, and market share.
• This includes developing and managing relationships with partners, vendors, and other stakeholders, as well as overseeing the development of new products and services.
• Also ensure compliance with applicable laws and regulations.
• Develop and implement card product strategies.
• Design and develop card products.
• Monitor and analyze card product performance.
• Manage card product pricing.
• Develop and maintain card product documentation.
• Manage card product compliance.
• Develop and implement portfolio strategies.
• Monitor and analyze portfolio performance.
• Manage portfolio risk.
• Develop and maintain portfolio documentation.
• Manage portfolio compliance.
• Develop and maintain strategic partnerships.
• Negotiate and manage alliance agreements.
• Monitor and analyze alliance performance.
• Develop and maintain alliance documentation.
• Manage alliance compliance.
• Card Center, Retail Banking Department

• Managing the development and implementation of card products and services.
• This includes overseeing the design, development, testing, and launch of new card products and services, as well as managing existing card products and services.
• Also be responsible for developing and maintaining relationships with card issuers, processors, and other partners.
• Additionally, monitoring and analyzing card product performance, and providing strategic guidance and recommendations to senior management.
• Develop and implement strategies for card product development.
• Monitor and analyze card product performance.
• Manage card product lifecycle.
• Develop and maintain relationships with card product partners.
• Develop and implement card product marketing plans.
• Monitor and analyze card product pricing.
• Develop and implement card product risk management strategies.
• Develop and maintain card product compliance policies.
• Develop and implement card product training programs.
• Develop and maintain card product reporting systems.
• Stay abreast of legal and regulatory changes and insure that BisB remains prepared and ahead of changes and update business units regarding the developments and changes.
• Responsible for the execution of the following projects and Campaigns: Arcade Gaming Prepaid card: First Gaming card introduced for the segment of gamers. Responsible for A-Z product setup, from the value proposition, marketing launch campaign, to the card setup in terms of fees and charges.
• Talabat Campaign offer for Credit Cards.
• Card Online onboarding, including the integration process with Benefit.
• Merchant Discount Program for the credit card base.
• Card Center, Retail Banking Department

• Assumes responsibility for the efficient, effective operation of the Credit Approval section in Card Centre.
• Approves and rejects credit applications and participates in the development of overall bank goals.
• Ensures that targets are met and that cases are carried out with maximum efficiency and control, in order to safeguard the card business and maintain a quality asset and liability portfolio.
• Assists in developing strategies, processes and procedure to provide a best in class credit platform that enables growth and visibility while both achieving a superior client experience and managing the financial bottom line.
• Exercise administrative control over the credit section within Card Centre.
• Partner and collaborate thoughtfully and productively to create synergy, control and effectiveness with cross organizational constituents including those in product development, Sales, Technology, Audit, Credit and Risk Management and all support departments.
• Stay abreast of legal and regulatory changes and insure that BisB remains prepared and ahead of changes and update business units regarding the developments and changes.
• Evaluates credit applications and approves or rejects applications based on existing established credit criteria, and the credit approval limit.
• Ensures that the credit policy and procedures are constantly being applied and amended where necessary to make the business more efficient.
• Ensures application of internal policies and procedures as well as the National and International Card Credit Rules & Regulations.
• Monitors the exceptional reports to detect errors, possible unauthorized transactions etc and ensures immediate action is taken to regularize the situation hence protecting the bank's interest.
• Handle any unusual compliance or arbitration cases hence ensuring appropriate action is taken by liaising with Remedial, Compliance, Legal department, Credit & Risk etc.
• Assumes additional responsibility as requested by Credit Approval Manager or Head of Card Centre.
• Prepares MIS reports for the review of BisB Management.
• Participates in developing and coordinating internal operating policies.
• Ensure that outstanding or invalid items are resolved whilst ensuring maximum efficiency, security and control in accordance with established policies and procedures.
• Card Center, Retail Banking Department

• Responsible for the effective control & supervision of the Back office section & provision of Excellent Customer Service delivery to high net worth Customers.
• The primary objective is to responding to Customer queries professionally & taking ownership of processing & resolving their needs in line with existing policies & procedures.
• Management of Staff & providing support & guidance on Best practice approaches & methods is a key component of the Jobholders primary responsibility.
• Source and grow the Bank's asset base by providing various products to existing and prospective clients.
• Maintain existing client relationships to ensure that the clients banking requirements are being met.
• Prepare a Relationship Plan for existing and prospective customers.
• Manage the full credit review of all proposed transactions.
• Coordinate with the Credit Department, Sharia Advisor and the Internal Legal Department to set out the transaction terms and conditions in line with the Bank's policies and procedures.
• Ensure satisfactory completion of the credit facilities documentation and follow up with Credit Administration Department to ascertain the proper management of the credit facilities.
• Responsible for ensuring that the customers receive an adequate level of service and help with all their queries and concerns.
• Interact with customers to provide information in response to inquiries about products or services and to handle and resolve complaints, including personal visit.
• Help customers to decide what types of products or services would best suit their needs.
• Make changes or updates to a customer's profile or account information.
• Daily communicate with customers through a variety of means, either in person; by telephone, e-mail or regular mail correspondence, or fax.
• Promote and encourage the usage of technology products such as online banking and services.
• Train, Develop & Appraise Staff.
• Initiate & provide guidance on staff training & development needs & undertake timely performance appraisal to all direct reports.
• Visit the VIP & Corporate clients and fulfil their needs and requirement and assure the Quality service is presented efficiently and effectively.
• Card Center, Retail Banking Department

• Responsible for the effective control & supervision of the Authorization section, covering shift roster administration & staff management within & after normal business hours.
• The primary objective of the Job's role include but not limited to, responding to Customer Queries, dealing with merchants operational issues & requirements & monitoring transactions to detect & prevent unauthorized & or fraudulent use of Cards.
• All activities & decisions of the role must be guided & based upon applicable policies & procedures with an aim to provide Excellent Customer Service to Cardholders & merchants.
• Administration of Shift Roster: Prepare & continuously update staff shift roster & closely monitor adherence & compliance to ensure adequate staff availability to meet day to day business needs.
• Managing Customer's expectations.
• Receive & deal with escalations in a professional & courteous manner to help resolve Customer's queries/complaints.
• Deal with Lost/Stolen & unauthorized usage of Cards.
• Ensure immediate response & actions are taken on Lost/Stolen & unauthorized usage of Cards.
• Perform Transaction Monitoring.
• Apply strict controls & close supervision to ensure Transaction monitoring are performed accurately & effectively.
• Train, instruct employees under supervision for procedures, check their work and ensure that jobs allocated to them are performed satisfactorily and in compliance with bank policy and procedures.
• Card Center, Retail Banking Department