TARIQ ABDEL HADI

Curriculum Vitae

Banking Operations, Administration & Management Professional

LinkedIn: ae.linkedin.com/pub/tariq-abdel-hadi/23/379/20a/

Contact: + (971) 50 4976649

Skype: Rack1146

15+ Years of Rich Banking Experience

TARIQ ABDEL HADI

Mobile: + (971) 50 4976649 | E-Mail: Tariq601@yahoo.com | Tariq601@emirates.net.ae An Overview

With over 15 years of collective experience and pioneering growth record in

Banking Operations

Cash Management

Product & Project Management

Bank Administration

Leadership & Team Management

An Assiduous, proactive & achievement-oriented top management professional, with demonstrated strengths in Heading Bank Operations & Administration, Product & Project Management, Cash Management, Bank Facility Management, Customer Service and Team Management ensuring smooth functioning of the Bank through efficient back end management. Associated with Islamic Banks in GCC countries for 15 years. Exceptional Operational skills leveraged through the direct exposure gained from the customer service role during the Arab Bank tenure A keen planner and strategist with proven abilities in addressing operational issues, resolving performance bottlenecks with expertise in devising policies & plans for improving business performance and achieving desired objectives and organizational growth. Deft in management of Bank Vault, Surveillance Camera`s, Petty Cash and Transaction for Remittance etc. Excels in devising and implementing strategies to ensure smooth banking operations, attainment of bottom-line, SLAs and achievement of business goals. Well organized with a successful track record that demonstrates self-motivation, entrepreneurial ability, creativity and initiative to achieve corporate goals. Adept in identifying flaws and suggesting enhancement to improve the process and system. Excellent in conceptualizing strategic and operational plans for designated branches of various regions in drawing a good image and overall upliftment of the bank. A flair for accepting challenges, abilities in managing & leading the overall functions and achieving desired targets Enterprising leader who has effectively contributed to enhancing organisational processes through initiatives geared towards lowering risk, heightening productivity & improving internal controls. An effective communicator with excellent interpersonal skills coupled with strong analytical, problem solving & organizational abilities with focus on excelling business targets

OCCUPATIONAL CONTOUR

Since Aug09: Samba Financial Group, Dubai Branch, Dubai U.A.E as Operations Officer (Cash Management Operations) (Clarification: Please see last page for details on designation drop down) Key Deliverables: Handling general banking operations in the branch like managing cash / outward and inward remittances, etc. that are received from the clients Processing of all CMO transactions with dexterity without any time lapse and with utmost accuracy Reviewing and analyzing all Suspense and Nostro Accounts in case of any overdrafts in borrowing funds and successfully reversing them in time Actively work with CMO Head on Automation of Wages Protection System(WPS), File Transfer System (FTS) Straight Through Process (STP) process, Direct Debit System (DDS) & projects related to CMO Keep check on Banking guidelines, Service Level Agreements, Policies & Procedures, ensuring they remain updated and in sync with any process change Supervising processing technical, financial and signature verifications on the cheques for Inward and Outward clearance / acceptance Maintaining a close & cordial relationship with customers outside and inside the bank Highlights: Earned 600 thousand AED (UAE dirham) in 2009, 1 million AED in 2010, 1.3 million AED in 2011, 1.7 million in 2012 by initiating the inward Message Transfer Automation (IMTA) project in UAE to be the AED agent for Samba Financial Group, Kingdom of Saudi

Arabia (KSA) Clearing Project in regard of transfers, drafts, and performing user acceptance testing (UAT) successfully before project launch. Achieved the T10 top 10 performance employee rank for the whole Bank among 100 employees for the last two years (2011, 2012) in the performance appraisal. Apr08 Aug09: Abu Dhabi Islamic Bank, SZR Branch, Dubai U.A.E as Head of Operations Key Deliverables: Mainly liable for Back end operations and administration of bank to ensure all processes run smoothly and efficiently and focus on overall image of the bank by streamlining operations and operational procedures Overlook Banks Operational Risk Monthly Reporting, Internal Control Review Reporting and other Compliances to ensure it is in sync with the bank`s guidelines Managed Branch Teller area & checked all transactions related to Cash and Cheque transactions. Disbursed required cash to tellers from Cash Vault Control branch operations related to clearing, inward/outward remittances, control on PDC cheques, Murabaha repayment cheques, control on Central Bank position, branch cash position and ensure branch balancing on a daily basis Monitor all forms of transactions carried out at teller`s end to point out discrepancies or errors including cash and cheques entry vouchers Reconciliation of trial balance and branch accounts with general ledger and provide inputs on errors Manage ATM network of the bank and handling cash replenishment, monitoring downtime, reconciliation, captured cards and ATM cash deposits jointly with a dual custodian. Handle backend administration by updating entry cards and removal of temporary or blocked cards. Ensure safety and security of the bank through timely maintenance of security camera`s. Maintain a high level of service by monitoring queuing time, training and counselling staff and maintaining the branch premises to specified standards. Feb98 Mar08: Arab Bank PLC, Dubai & Ajman Branch, Dubai U.A.E Growth Path & Career Progression: Arab Bank PLC, Dubai Branch Senior Branches Operations Support Officer (UAE Area Management) Senior Branch Operations Officer Key Deliverables as: Senior Branches Operations Support Officer Maintained, distributed and interpreted procedures and policies of the Operations Manual. Analysed customer complaints and recommended appropriate policies and procedures to eliminate recurrence. Ensured adherence to bank policies in relation to promotional material, branch operations and central operations units. Participated actively in increasing automation in association with the IT department. Ensured efficient management of cash at the branch monitoring fluctuations with branch, tellers and ATMs and recommending appropriate limits, cash movement between branch and central bank and the cash machine network.

April 2006 March 2008 September 2005 March 2006

Highlights: Evaluated as Top Performer in appraisal with Arab Bank PLC three years in a row (2006, 2007, 2008) Arab Bank PLC, Ajman Branch Senior Customer Relationship Officer February 2003 August 2005

Accountabilities included gaining 100% customer satisfaction through all means by taking care of new and old accounts, customer correspondence and grievance redress. Managed a staff of 5 Customer Support professionals ensuring accuracy in order processing, quality customer service and professional demeanor & proficiency with technology Handled full range of account opening and followed up customer who close accounts. Pitch sales of all types of banking products and follow-up customers regularly to achieve monthly targets

Customer Relationship Officer

February 2001

- January 2003

Accountabilities included offering a complete range of banking products and services to customers including C/A, Saving, Call, OD, F/D, VISA electron cards, cross sell financial products and other personalized banking products and services. Took custody of cheque books and VISA cards and processed requests for new ones. Contacted customers for whom the cheques bounced. Supported marketing teams in preparing and providing them with loan presentation materials and accepted applications for loans, prepared & verified credit card and auto loan applications

Commercial Relationship Officer

October 2000

- January 2001

Accountabilities included Coordinating with Central Operations Unit regarding L/C's, LG's, B/C's (Inward, Outward), AGD and prepared Customers Outward B/C's. Accepted, prepared and verified Letters of Credit & Letters of Guarantee applications (Issuance &/or amendment). Processed Customers Trust Receipts and monitored their settlements on due date

Teller

February 1998

- September 2000

Accountabilities included maintaining proper cash limits, cashing checks, accepting deposits, issuing cashier's checks, and money orders, cash advances, wire transfers, transfer of funds, and paying / receiving large amounts of currency / coin ACADEMIA

Bachelor of Science, Mathematics, United Arab Emirates University, 1997 IT SKILLS: Security+, CCNA, MCSA, A+, Network+, i-Net+, MCSE NT 4.0 CERTIFICATIONS Business Continuity Management, Operational Risk Management, Understanding and Managing Fraud, Information Security at Workplace, Syndicated Loans, The Anti-Money Laundering (AML) & Combating Terrorism Financing (CTF), Spirit of Compliance, Anti Money Laundering, Advance Documentary Credit Workshop, Effective Selling Skills, Customer Service Workshop, International Visa Electron Services, Salary Automation Program, Personal Loans Program, Reengineering of Services Process Workshop, Auto Loan Program, Customer Additional Information Program, Customer Care Planning Program, Letters of Credit and Bills of Collection, Interpersonal Skills for Excellent Customer Service, Bank your Functional English Course, Credit Facility System Workshop, Uniform Customs & Practice for Documentary Credits (UCP 500) Workshop, Letters of Guarantee, Accounting Principles, Deposit Section - Legal Issues, April 2013 December 2012 May 2012 May 2012 April 2012 March 2011 December 2010 November 2005 February 2005 December 2004 April 2003 October 2002 September 2002 August 2002 July 2002 June 2002 May 2001 April 2001 October 1999 September 1999 June 1999 May 1999 March 1999 February 1999 March 1998 March 1998

PERSONAL DOSSIER

Date of Birth: Linguistic Proficiency: Address: Driving License: Nationality: Visa:

28th December 1975 English & Arabic P.O. Box 114 Ajman UAE Jordanian Employment Visa (NOC Attached)

Clarification: A glorious career charted with numerous promotions eventually bagged me a position of Head of Operations in Abu Dhabi Islamic Bank. The global recession marred UAE and most organizations suffered, is a well-known fact. Many employees were asked to resign however an asset to the organization I was offered a lowered designation for the time being until the economy regained. I eventually Joined Samba Financial Group as an Operations Officer. Recognized for pioneering efforts I shoulder my Operations Head in sharing my experience and valuable inputs apart from my set roles. This can be attested by the several appreciation letters, received from Line Managers.