Zahraa Ahmed Salman
Zayed Town
Summary
Accomplished Treasury Operation Officer with a proven track record at Ahli United Bank, recognized for exceptional problem-solving abilities and precise attention to detail. Demonstrated expertise in enhancing process efficiency and accuracy through successful project completions, consistently meeting stringent deadlines. Highly skilled in multi-tasking and organizational management, driving operational excellence and productivity. Aiming to leverage experience to further optimize treasury operations within a forward-thinking organization.
Overview
17
17
years of professional experience
Work History
Treasury Operation Officer - Treasury Operations
Ahli United Bank
06.2023 - Current
- Process investment and custody activities, ensuring accurate and timely task execution
- Handle settlements for derivatives, structured deposits, fixed income, shares, Islamic products, and brokerage services
- Perform all reconciliation activities, including treasury, investment, money transfer, financing, and account opening tasks
- Process daily transaction volumes for investment, custody services, OLT products, GTN Mubasher transactions, and Bahrain Bourse trading activities efficiently and promptly
- Process and settle all investment trades and custody service activities promptly
- Ensure the timely release and settlement of investment, derivative, Islamic, and brokerage payments via correspondents or the Central Bank
- Manage daily OLT business activities and BSE/Bahrain Clear transactions
- Handle subscriptions and redemptions for mutual funds, including dividend processing
- Settle Sharia-compliant equities and fixed income transactions, including dividend and coupon payments
- Reconcile clients' holdings for fixed income, mutual funds, and equities
- Process daily sales of Crescent Structured Products
- Communicate with internal departments for instructions, confirmations, and other necessary details
- Review and process daily, weekly, and monthly reports with accuracy
Account Documentation Unit Officer - GCG Consumer OPS
Citibank, N.A.
06.2018 - 06.2023
- Handle current and savings account (normal and premiers), Cheque books and debit cards issuance, customer profiles maintenance, account opening processing
- Perform monthly and quarterly operational functions in timely manner and reporting progress to superiors
- Perform new accounts and file maintenance verification
- Verify accuracy of customer documents, ID's and other records according to the Citi policy and Central Bank policy
- Special projects, as assigned
- Developing processes and procedures to improve process efficiency and establish best practice
- Issuance of Manager Cheques and Demand Drafts
- Review and manage the daily Central Bank of Bahrain (CBB) report for Blocking and Releasing requests
- Handling the court order requests from Ministry of Justice (MOJ) to block/release customer accounts and transfer the balance
- Ensure the BAU activities to be processed, performed, and monitored with no errors
- Maintenance of Record Management Unit of Physical and Electronic Storage
- Managing the Control Assessment of ADU operations
- Providing support as backup to other units in case of Contingency situations
- Effectively handled the E-cheque migration of Individual and Joint customers
- Effectively handling the deliverables requested from the region
- Managing the team and ADU unit
Personal Banker - Retail Banking
Citibank, N.A.
10.2011 - 06.2018
- Provide account services to clients, including a full range of the Bank's retail services
- Provide and maintain a high standard of customer service
- Maintain daily loan and credit cards applicant database
- Provide valuable in person services as the bank moves to mobile and automated banking solutions
- Analyze and review documentation of customers' profile to ensure that filled-in information is accurate and complete
- Perform maintenance requests received for loan applications, Debit/ATM PIN resets, loan settlement, updating customers details, close accounts, fund transfers and all types of account maintenance
- Maintain current knowledge of banking regulations to ensure ongoing compliance of internal control operations
- Cross-sell banking products such as loans, credit cards, and other channels of banking such as online banking, mobile banking
Team Leader - Remittances Unit
Bank of Bahrain and Kuwait (BBK)
05.2008 - 06.2011
- Check SWIFT messages MT103/MT202/MT109 instructions to process outward remittances
- Process outward correspondent fee charges
- Send SWIFT messages to investigate and/or request for more details pertaining to unrecognized funds in Nostros accounts and follow up
- Control and ensure the processors execute the payments before cut-off time
- Reconcile all suspense entries for remittance transactions on daily basis
- Handle the operation of the payment's transaction
- Perform checking of document and signature validity prior to input of customer data in the system
- Handle and override the transactions as authorized, and to rectify the errors and mistakes proactively
- Conduct the compliance review of payments operation
- Assist in the regular updating of the regulations, rules, and guidelines
- Develop the system requirements and participate in user acceptance test
- Manage the distribution setup of the SWIFT to various business unit
- Accomplish tasks within time limit and complete other tasks assigned by superiors
- Report promptly to superiors for any irregularity
- Check and Sign the Manager Cheques and Demand drafts issued
- Reconcile general Ledger (GL) balances on daily basis for assurance of the balances
- Key accounts reconcile included Remittances, Manager Cheques GL and Corresponding bank accounts
Intern - Operation Dept.
Shamil Bank of Bahrain B.S.C.
07.2007 - 08.2007
- Data entry and filing the documents received
- Review and ensure all the documents are available in the request as per the checklist provided
Education
B.Sc. - Banking and Finance
University of Bahrain
BahrainAssociated Diploma - Commercial Studies
University of Bahrain
BahrainSkills
- Proactive
- Highly motivated
- Goal-oriented
- Problem solving
- Attention to detail
- Time management
- Organizational skills
- Multi-tasking
- Ability to work to strict deadlines
Professional Courses
- Retail Banking Associate Program Diploma, Capital Knowledge Institute (CK), Two months
- Chief Teller's policies and procedures, BIBF
- Winning Customer Service Program, BIBF
- LCCI English for Business Certificate, Capital Knowledge Institute (CK)
- FAP Financial Advice Program - CBB, BIBF
- Regulatory Compliance Program, BIBF
Personal Information
- Date of Birth: 05/05/85
- Nationality: Bahraini
Languages
- Arabic
- English
Hobbies and Interests
- Reading
- Travelling
References
References available upon request.
Timeline
Treasury Operation Officer - Treasury Operations
Ahli United Bank
06.2023 - Current
Account Documentation Unit Officer - GCG Consumer OPS
Citibank, N.A.
06.2018 - 06.2023
Personal Banker - Retail Banking
Citibank, N.A.
10.2011 - 06.2018
Team Leader - Remittances Unit
Bank of Bahrain and Kuwait (BBK)
05.2008 - 06.2011
Intern - Operation Dept.
Shamil Bank of Bahrain B.S.C.
07.2007 - 08.2007
B.Sc. - Banking and Finance
University of Bahrain
Associated Diploma - Commercial Studies
University of Bahrain
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