Mohammed Alawad

Leading Operations at Morabaha Marina Financing Co., overseeing seven core units: Payments, Data Verification, Archiving & Mail, Insurance, Call Center, Quality Control, and MIS. Focused on efficiency, regulatory alignment (SAMA), and customer experience.

▶️Initiate communication with delivery companies and coordinate with them to deliver and distribute cards to customers by monitoring their performance and conducting regular meetings with them. ▶️Perform discount and addition operations for Visa and MasterCard transactions. ▶️Launch the Mobily Pay project for discount and addition operations, with the printing of plastic cards set to commence soon. ▶️Manage the daily operations of the Card Production Unit to ensure the efficient and timely production of bank cards. ▶️Implement and optimize production processes to meet quality standards and regulatory requirements. ▶️Lead a team of production staff by providing guidance, training, and support to maximize team performance and output. ▶️Collaborate with cross-functional teams, including information technology and security, to enhance card production technology and address emerging challenges. ▶️Monitor inventory levels and coordinate with suppliers to ensure an uninterrupted supply chain for card production materials. ▶️Conduct regular quality control inspections to guarantee the accuracy and security of produced cards and maintain a high level of customer satisfaction. ▶️Develop and implement performance metrics to track and improve the efficiency of the Card Production Unit. ▶️Ensure compliance with industry regulations, security protocols, and data privacy standards in all aspects of card production. ▶️Coordinate with delivery companies, communicate, and arrange for the delivery and distribution of cards to customers, monitor their performance, and conduct regular meetings with them.

▶️Communicated with domestic and international banks, as well as financial exchange companies. ▶️Received SWIFT messages from intermediary banks regarding inquiries about outgoing transfers from Bank Albilad to ensure delivery to the beneficiaries. ▶️Authorized the sending of SWIFT messages to intermediary banks to inquire about transfers. ▶️Authorized the return of rejected transfers for Bank Albilad customers and processed refunds. ▶️Received customer inquiries through branches and phone banking regarding outgoing or incoming transfers. ▶️Oversaw transactions using the Interbank Payment System (IPS), Real-Time Gross Settlement (RTGS), SWIFT, and Western Union (WU), and coordinated with the accomplishment department and branches for the retrieval of amounts from intermediary banks. ▶️Authorized the establishment of new relationships between Bank Albilad and intermediary banks. ▶️Forwarded suspicious transfers to the Compliance Management - Anti Money Laundering Unit for verification and confirmation. ▶️Communicated with financial institutions' management to enhance dealings with intermediary banks to ensure smooth transfers while maintaining global standards. ▶️Received Office of Foreign Assets Control (OFAC) messages from United states banks.

▶️Communicated with domestic and international banks, as well as financial exchange companies. ▶️Received SWIFT messages from intermediary banks regarding inquiries about outgoing transfers from Bank Albilad to ensure delivery to the beneficiaries. ▶️Sent SWIFT messages to intermediary banks to inquire about transfers. ▶️Handled the return of rejected transfers for Bank Albilad customers and processed refunds. ▶️Received customer inquiries through branches and phone banking regarding outgoing or incoming transfers. ▶️Managed transactions using the Interbank Payment System (IPS), Real-Time Gross Settlement (RTGS), SWIFT, and Western Union (WU), and coordinated with the accomplishment department and branches for the retrieval of amounts from intermediary banks. ▶️Established new relationships between Bank Albilad and intermediary banks.

▶️Managed the development and implementation of risk management strategies to ensure regulatory compliance and mitigate potential financial threats. ▶️Oversaw the daily operations of the bank, including transaction processing, customer service, and staff management. ▶️Executed strategic planning initiatives to enhance the bank's market position and analyzed market trends and competition to inform decision-making processes. ▶️Spearheaded successful cross-functional collaborations with various departments to streamline processes. ▶️Acted as a liaison between the bank and regulatory authorities to facilitate smooth communication with evolving financial regulations. ▶️Led the development and maintenance of key client relationships to ensure high levels of customer satisfaction and loyalty. ▶️Executed debit and credit operations for all internal, external, and international bank departments. ▶️Added approved signatures for all bank employees, from senior management to department heads and unit managers. ▶️Collected foreign checks and processed clearing checks. ▶️Implemented automated processes for deductions, additions, and reconciliations. ▶️Processed bank checks and managed bill payments with precision and accuracy. ▶️Managed the execution of judicial orders by demonstrating strong attention to detail and adherence to legal procedures, while handling expenditures. ▶️Opened and managed government, charitable, and endowment accounts. ▶️Established and maintained nostro and vostro accounts. ▶️Facilitated the opening of intermediary accounts.

▶️Conducted comprehensive credit analysis for individuals by evaluating financial histories and risk factors. ▶️Assessed the creditworthiness of applicants by reviewing financial documents and conducting thorough risk assessments. ▶️Managed the end-to-end process of credit card applications to ensure accurate and timely processing while adhering to industry regulations and company policies. ▶️Provided comprehensive support in the evaluation of personal financing applications by considering individual financial profiles to make informed lending decisions. ▶️Evaluated and processed real estate financing applications by collaborating with stakeholders to gather necessary information and documentation for a seamless approval process. ▶️Developed effective strategies for indebtedness and worked closely with clients to create personalized plans that aligned with their financial goals. ▶️Facilitated the refinancing process for clients and identified opportunities to optimize their financial portfolios. ▶️Collaborated with internal teams to streamline car rental financing procedures.

▶️Managed the end-to-end processing of credit card applications by conducting comprehensive reviews to assess applicants' creditworthiness and risk profiles. ▶️Executed in-depth analysis of personal financing applications by evaluating financial statements, credit reports, and other relevant documents. ▶️Reviewed and processed real estate financing applications. ▶️Administered indebtedness processes and coordinated with clients to develop tailored payoff plans. ▶️Led the refinancing process, evaluated existing loan terms, negotiated favorable terms with financial institutions, and oversaw the seamless transition to more advantageous financing arrangements. ▶️Oversaw the processing of car rental financing applications to ensure compliance with lending standards and conduct risk assessments to safeguard the financial interests of the organization.

▶️Accounting is the process of recording financial transactions pertaining to a business. The accounting process includes summarizing, analyzing, and reporting these transactions to oversight agencies, regulators, and tax collection entities.