Mashreq

Risk

• Preparation of monthly IFRS 9 deck circulated to Senior Management.
• Preparation of key IFRS 9 disclosures required to be published in the bank’s financials.
• Submission of IFRS 9 overseas data / reports.
• Single handedly handle RAROC data submission to Finance.
• Play key role in ECL / RWA submissions to Rating Agencies.
• Automation of regulatory reports & internal management reports like IFRS 9 monthly deck & transformation of existing manual processes.
• Prepare IFRS9 Moody’s Input file, used for monthly ECL computation.
• Consolidate the IFRS 9 ECL results on a monthly basis.
• Perform Asset Reconciliation before and after IFRS9 ECL run.
• Review Stage 2 criteria and monitor major exposure movements within the Portfolio.
• Prepare ECL Accounting Entries to be passed in the system.
• Participate in preparation of monthly ECL MIS reports used for Senior Management circulation.
• Propose solutions for complex requirements during system enhancements / integrations.
• Formulate and develop SOP’s / technical documents which illustrates the IFRS 9 reporting process.

Assistant Manager – Capital Management, Risk Management – ERM

Operations

• Manage and mentor a team of Trade Operations professionals, fostering a collaborative and high-performing environment.
• Ensure compliance with ICC rules, particularly URC 500, for import and export documentary collections.
• Review and process complex trade documents, performing thorough sanction checks.
• Prepare and send SWIFT messages to facilitate smooth transaction execution.
• Maintain operational efficiency and accuracy, minimizing errors and delays.
• Monitor and improve team performance, providing regular feedback and coaching.
• Collaborate with other departments to ensure seamless transaction processing.
• Stay updated on industry trends and regulatory changes, implementing best practices.
• Handle customer inquiries and provide timely, accurate responses.
• Ensure data security and confidentiality, adhering to privacy regulations.

Team Leader – Trade Operations

Vice President

• Effectively manage Application platforms and responsible for stability, monitoring and control, capacity management and incident management of the most critical application of the bank.
• Responsible for achieving agreed SLAs
• Conduct system analysis and provide support in response to user issues
• Provide technical expertise and recommendations in the assessment of issues and initiatives to support and enhance systems.
• Review and evaluate business requirements against existing and proposed systems, providing a recommended approach to providing a solution.
• Manage solution documentation (System Requirement Specifications - SRS) describing deliverables to meet requirements.
• Manage issue resolution activities by guiding & assisting development team and building a good functional rapport with development teams
• Verify production transfer documentation.
• Verify root cause analysis (RCA) arising from production system disruption.
• Monitor applications to ensure adequate system resources to process at production standards.
• Provides technical guidance, information and instruction to other IT staff requiring broader subject knowledge.

AVP, Technology

• To monitor and maintain smooth flow of interchange for Mashreq Bank’s claim and settlement of Visa, Master and JCB, CUP cards, in addition to accounts maintenance and financial operations
• Implement, maintain and improve processes to ensure effective operational processes to monitor and maintain financial accounts and flow of interchange ensuring that all procedures are followed
• Monitor all associations’ settlement and funds position, balancing and reconciliation and corrective action on daily basis
• Preparation and submission of accurate and timely quarterly operating certificate to Associations, analyze expense and income trending and alert stakeholders on timely basis on pricing variations
• Provide coaching and feedback to the team which can customize to fit multi-disciplinary perspective
• Monitor UAE switch system reports for balancing and reconciliation for all countries under the purview
• Emerge as the product expert for all relevant areas reporting to this position
• Being central point of contact for association guidelines/newsletters/publications and ensure timely publishing to business groups with probable impact
• Ensure that Bank’s Compliance and Regulatory procedures are followed
• Ensure adequate training to staff such that all functions are performed with zero errors and within expected TATs
• Ensure maintenance of MI for staff productivity and constantly strive to increase the level of individual as well as unit’s overall productivity
• Ensure necessary job rotation and training is provided for staff development and career growth
• Create an atmosphere conducive to mutual co-operation among staff members and foster team spirit
• Ensure unit attains satisfactory internal and external audit rating
• Ensure that unit’s standard operating procedures are reviewed, change documents are maintained and updated regularly
• Ensure the transactions are processed as per the unit’s SLA and the operational errors/losses are very minimum
• Manage Monthly - MER, KRI, RCSA and Reconciliation reporting within the timelines
• Constantly work towards generation of new ideas/innovations and ensure year on year digitization/productivity/process automation targets are achieved
• Knowledge of VAT procedures and applicability to interchange and settlement and merchant payments

Team Leader – Retail Banking Ops

Recruitment

• Support the GTB Channels Technology team in the successful implementation of the integrations between GTB channels and core banking system (Oracle FLEXCUBE) across Mashreq geographies by acting as the primary interface between the Technology and the assigned business group and the project implementation team.
• The person in the role will also act as the Techno-Functional Expert and System Analyst and its interactions/dependences with other bank systems and country applications/networks. The role involves ensuring seamless integration, testing, and validation of all digital channels with the upgraded core system.

AVP – Channels Delivery Lead, Core Banking Program Staffing

Infrastructure Engineer

• Lead the design and governance of scalable, reliable, secure, and cost-effective infrastructure architectures aligned with the bank’s enterprise architecture and strategic objectives.
• Define and maintain infrastructure technology roadmaps that support business growth, digital transformation, and operational excellence.
• Act as a key liaison across different technology departments and business units to ensure cohesive and aligned infrastructure solutions.
• Drive innovation by modernizing infrastructure through automation, software-defined solutions, hybrid multi-cloud and emerging technologies.
• Manage relationships with infrastructure vendors and service providers to ensure solutions meet architectural standards and business needs.
• Lead and develop a team of infrastructure architects and engineers, fostering a culture of technical excellence and continuous learning.
• Develop and manage infrastructure architecture budgets, ensuring cost-effective technology investments and alignment with financial planning.

AVP – Infrastructure Architecture Manager, Data Centre and ATMs

• Responsible for management of C&B for Mashreq' overseas countries.
• Run pay review and bonus cycles in overseas locations.
• Implement the Bank’s strategy on digitizing Rewards processes. Look for opportunities to enhance user experience.
• Work with vendors on devising new concepts/applications for enhancing the existing user journeys for processes using scalable solutions.
• Analyse the data generated through the compensation surveys, work with Head of Rewards to recommend and implement changes to the compensation and benefits practices in line with the Bank’s overall compensation philosophy to help maintain the competitive pay position of the Bank.
• Review Pay bands on an annual basis for every country and provide management with cost impact analysis for implementation of the new pay bands.
• For each Country, initiate dipstick surveys and/or participate in those conducted by banks for comparison with on or changes to various compensation and benefits practices. Utilize such information for proposed interim changes that would enhance the ability to attract and retain talent.
• Provide consultation to Overseas Country PABPs and leadership in matters relating to policy clarification and interpretation.
• Ensure uniformity in policies for all Mashreq locations.
• Manage the annual Performance cycle end-to-end for each of the overseas locations.
• Ensure the statutory requirements and labour law related to C&B is adhered to in each country.
• Develop and maintain overseas Rewards Policy', Benefits Matrices and ensure proper communication of the Banks’ compensation and benefits to all relevant parties.
• Ensure policy changes are communicated to overseas countries. Ensure accurate and up-to-date comparison of all policies on a regular basis.
• Document Standard Operating Procedures (SOPs) for new and existing processes to ensure uniformity with understanding and implementation.

Vice President – Compensation & Benefits

• Lead VAT reconciliation across three data sources: source applications, core banking (e.g., Flex), and VAT engine (Suntech).
• Manage the implementation of three-way reconciliation logic in line with KPMG recommendations.
• Ensure daily exception reports are distributed, embedded into the Business Exception Event (BEE) process, and followed up to closure.
• Track and remediate chronic legacy mismatches in reconciliation entries across past cycles.
• Drive refund shortfall/rejection visibility, reconciliation, and reporting.
• Embed the VAT Governance Manual and ensure adherence by operational teams.
• Coordinate with Operations, Finance, Compliance, and Risk teams to enforce control and audit requirements.
• Ensure periodic reconciliation certification and follow-ups are maintained and archived.
• Track turnaround times and break closure SLAs across operations divisions and IBG locations.
• Maintain escalation logs for overdue items or non-compliance with reporting protocols.
• Ensure reconciliation and exception closure metrics are integrated into monthly governance packs.

Manager, VAT Reconciliation

Manager

• To direct and control the end to end processing of Mortgage applications including underwriting and loan documents checks by ensuring that the agreed service standards are met.
• To review and take decisions including approving of limits, on the credit proposals post proper credit due diligence and at same time ensure that all product Parameters, policy criteria, regulatory requirements are met.
• Should have the skill to review complex self-employed and high value mortgage transactions (> USD 5 Mn).
• To ensure that highest possible quality is maintained in e2e onboarding process of retail products by the individuals within the team.
• To ensure monthly exception tracking and reporting to relevant stake holders with adherence to escalation process
• To ensure that all required controls, risk factors and procedures are maintained.
• To maintain a positive working relationship with personnel of the other sections/divisions/onshore / offshore teams
• MIS management and weekly/monthly reporting to key business stake holders as required.

Manager – Retail, Credit Management

• Manage day to day chargeback processes, timely resolution of cases, initiation of appropriate reason code for successful chargeback, representing cases of merchants with appropriate supporting documents, follow up with merchants for documentation and successfully defending the merchants from chargeback thru pro-active alerts and effective training.
• Perform all level recon of funds position, balancing and reconciliation and corrective action on daily basis.
• Preparation and submission of accurate and timely postings of entries to respective GLs, analyze disputes, reversals, knocking off, exceptions and alert stakeholders on timely basis, with/on pendency or variations.
• Design chargeback reports and analyses, setting forth progress, adverse trends and appropriate recommendations or conclusions; develop, recommend and implement policies and procedures related to internal and external financial reporting, monitoring and analysis, merchant training etc.
• Examine accounting systems and operations to ensure assigned activities are carried out in accordance with established policies and objectives; identify and implement revisions in accounting procedures or systems to increase efficiency of work flow, to reduce time and cost of accounting functions in order to increase card business revenue.
• Develop processes and controls to reconcile chargeback accounts, recoveries, charges and publishing of monthly MI on the effectiveness of chargeback process.
• Timely and quality response to merchant queries/complaints/service requests.
• Monitor daily rejects and processing within settlement time frame to ensure no financial loss.
• Ensuring compliance to bank’s internal control and compliance requirements, card schemes compliances, regional switch regulations.
• Ensure that Bank’s Compliance and Regulatory procedures are followed. Ensure all functions are performed with zero errors and within expected TATs