المحور األول:

Adnan Y. Naji

PERSONAL INFORMATION

Marital status: Married (3children)

Nationality: Jordanian

Date of Birth: 1971

Place of Birth: Amman

EDUCATION

1 ) Awarded a Bachelor degree in Accounting and Economics from University of Jordan, Yeild 82.1%, year

1993,Distinction

2 ) Awarded an MBA in finance from University of Jordan, Grade B, year 1997.

WORK EXPERIENCE

1994 – to date Central Bank of Jordan Amman – Jordan

Joined the Central Bank of Jordan at the Banks Supervision Department, started as a

Clerk and ended up as Assistant Excutive Manager.

JOB DESCRIPTION

Assessing banks policies ( credit policy, investment

policy, corporate governance, risk management, internal

audit and control) and making recommendation.

Implementing & validating Capital Adequacy on banks

operating in Jordan according to Basel ll requirements .

Head of team responsible for implementing & evaluating

Pillar 2 of Basel ll(ICAAP) for banks operating in Jordan.

.

Participate in drawing inspection plans for the Jordanian

banking system inside and outside the kingdom.

Assessing disclosure level and check its compliance

with disclosure requirements, in accordance with

international accounting standards.

Analyzing Financial Strengths and Weaknesses of the

licensed banks, based on their Audited Financial

Statements.

Full On-site & Off-site analysis of bank’s based on

CAMELS Rating System ( capital adequacy,

Management, Asset Quality, Earning, Liquidity and

Sensitivity to market risks) and compliance with laws

and regulations.

Studying bank’s applications for merger and acquisition.

Assessing bank’s risks related to dealing with

sophisticated financial instruments such as derivatives.

Supervising and regulating banks Activities, particularly,

those concerning investment and credit concentrations.

Studying Bank’s Request for Branching, Cross-boarder

as will as inside Jordan.

Implementing Basle Concordat and Exercising

Consolidated Supervision on Jordanian Banks (Local

Branches & Cross-Boarder Establishments).

Studying internal controls for Banks .

Performing auditing procedures concerning all aspects

of the Banks.

Reviewing and evaluating risk management policies for

banks.

Assessing risk governance environment in banks.

OTHER WORK EXPERIENCES

A member in a committee responsible for drafting Basel II regulations(capital requirements, supervisory review, market discipline).

A member in a committee responsible for the preparation of financial statements and reports in accordance with IASs,IFRSs

Part of a team for reviewing regulation governing banking industry take into consideration the best practices in this regard.

Working in a project for developing risk based supervision.

Hands on cash flow projection and strategic planning.

Experienced lecturer in Banking Supervision, Basel ll,Basel 3 and Risk Management.

Lecturer & Consultant in microfinance (importance of regulating microfinance, concept of microfinance, microfinance risk management,IFRS for SMEs,corporate governance, consumer protection, market analysis,AML).

SEMINARS & COURSES

Attend and participate in more than (40) training courses, seminars

and conferences inside and outside Jordan; France, Singapore, USA, Switzerland,U.K, Germany and Holland . Subjects are related to Financial Statement Presentation, Disclosure, Banking Supervision, International Accounting Standards, Mergers and Acquisitions, Crises Management, Financial Planning, Financial Analysis and Cash flow, Risk Management,Risk_Based Supervision,Basel II & III , Credit,Market&Operational Risk Management, Rating Systems and public sector financial

management.

COMPUTER SKILLS

Good knowledge in computer applications( Microsoft office)

LANGUAGES

Arabic as mother tongue

English

المحور الثاني:

BASHAR M. ALNSOUR

Highlights

Professional in Financial Accounting and Analyzing.

Highly skilled in Accounting Systems Analyzing.

Professional in researches and studies.

Excellent communication skills.

Experience

Elba House Company

October 22, 2001 – June 8, 2002

Accountant – Financial Accounting Department

Employment Duties:

- Analyze and follow-up account receivables

- Preparing trial balance

- Preparing financial statements

Jordan National Bank – Credit Card Center ( MasterCard ) June 15, 2002 – June 30,2003

Accountant – Accounting Section

Employment Duties:

Planning and Preparing for the new System Chart Of Accounts, GL Setup

Classifying and analyzing card holders withdrawals: - Job’s outside customer withdrawals outside Jordan.

- Affiliate banks customer withdrawals outside Jordan.

- Settle incoming and outgoing files with Citibank (USA).

- Settle charge back file with Citibank (USA).

- Settle batch issuer for the cardholder.

- Settle due amount to the account of merchant inside Jordan.

- Settle due amount through banking checks to the merchants.

- Settle due amount through transfer payments.

The Securities Depository Center (SDC)

June, 2003- Till Now.

-/ June 2003entInternal Auditing Departm-Internal Auditor

Dec. 2005 Preparing an annual auditing plan.

Following up the implementation of decisions and recommendations issued by the Boards of

Directors and Chief Executive Manager.

Preparing monthly, quarterly and annual auditing reports. The reports include the auditing work

achieved during the period, the results of performance in addition to recommending and

suggesting future development.

I have created the brokers clearing and settlement process system (design, testing and

implementation).

Conducting research related to SDC tasks, procedures, and programs working and

recommendation for further development.

Carrying out auditing duties using pre and post auditing methods for the following departments:

Finance and Administration, Operations and Legal Transfers.

Administrative and Financial Department / Head of Section dec 2015 -Jan.,2006

Preparing financial statements data.

Setting detailed activities description related to achieving division targets.

Evaluating and reporting division's work process periodically.

Distributing work between division's employees and preparing performance evaluating reports.

Continuous development of work procedures.

Training employees, developing their skills and assessing their training needs.

Supervising and auditing weekly prepared statements by the Center’s accounting system and

comparing the results with the Center’s electronic system's.

Comparing Central Bank's statements with the Center’s electronic system banks statements

related to clearing and settlement processes.

Supervising and auditing banks interest rate calculation on deposits and the notifications.

Supervising the preparation of bank accounts settlements.

Supervising the preparation of monthly trial balances and its declarations.

Supervising and auditing salaries statements, deductions, allowances, and net salaries transfer

letters.

Finalizing the financial statements.

Receiving bank guarantees of the Settlement Guarantee Fund, and review guarantee's text with the

legal department before completion of procedures.

Preparing appendixes for the modification on the accredited budget.

Supervising different patterns of bookkeeping and accounting records.

Implementing the needed procedures to pay expenses and collect revenues.

Supervising all administrative matters related to the division.

Distributing tasks to the staff and follow-up the implementation.

Supervising and following -up all correspondences related to the division.

Auditing all accounting entries and their attachments.

Supervising inventory of the cash at the end of each day.

Procuring needed supplies and requirements and secure their maintenance and organizing the

maintenance contracts.

Securing the required services to insure regularity of the work procedures.

Following -up the implementation of the center contracts with others.

Supervising purchasing operations, offers solicitation and assignments in accordance with the

Center’s internal regulations and bylaws.

Supervising and following up the control of the warehouse operations .

Managing the support section (drivers and employee servants) .

Documentation of work procedures and updating them periodically .

Continuous development of the division's work.

Administrative and Financial Department / Manager

Till Now -Jan.,2006

Education

Al Zaitona University

(1998 – 2001) Amman, Jordan

B.Sc. in Accounting with an Accumulative Average: (81.2%)

(V. GOOD) in three years out of four and second on class

Training

Courses &

Certificates

Ocean Cultural Center

Aug. 10 - Sept. 10, 2000 Successfully Completed the Courses Given in Microsoft Office and Internet

Compo Shine Company

March 1 - May 31, 2001 Advanced Microsoft Excel Course ( Utilizing and Programming )

Institute of Banking Studies:

June 30 - July 4, 2002 Audio – Visual Business English II Course

Aug. 11 - 15, 2002 Budget Preparation Using Computer Course

Sept. 1 - 5, 2002 Bank Deposit and Transfer Course

Sept. 15 - 19, 2002 Clients Distinctive Service Course

Feb. 2 - 6, 2003 Development and Supervisory Skills in Banks Course

Sept. 9 - Oct. 16, 2003 Successfully completed Brokers Training & Certification Program

MasterCard / Jordan National Bank:

Dec.8 - 12, 2002 Successfully completed an International Accounting Principals Course / MasterCard

University

Jan. 13 - 14 , 2003 Successfully Completed a Credit/Debit Operations Training / Jordan National Bank

Training Center

April 6 - 10, 2003 Successfully Completed Advanced Excel 2000.

BDO Al Jawad Managments Consultants Co. Ltd. / Member of BDO International March 14 -18, 2004 Risk Based Audit

April 19 - 22, 2004 Writing and Communication Your Audit Report

The Arab Academy For Banking and Financial Sciences

(Institute for Banking and Financial Training)

Nov. 28 – Dec. 2, 2004 International Financial Reporting Standards.

The Word Bank in Cooperation with the Arab Monetary Fund and the Bahrain

Eshtar Training Center

Dec. 1 - 21 , 2004 Successfully Completed a Taxes Laws and International Auditing and Accounting

Standards Course

United States Securities & Exchange Commission, Jordan Securities Commission, United States Agency for International

Development Dec. 7 - 11, 2004 SEC Regional Capital Markets Training Program

MonetaryAgency/ Manama, Bahrain March 15-17,2005 Reforming payments and securities settlement systems in the Middle East and North

Africa

International Dialog for Human Resource

July 17-20,2006 Money Laundering and Terrorism Financing Investigations

Researches

The four major researches prepared in the field of Accounting and Auditing:

1- The delay on disclosure of the financial statements and the impact on the stocks value at

market.

2- Problems and Barriers facing auditing profession in Jordan.

3- Delicates of measurement and recognition under the accounting standard No. 39, in the public

shareholder companies in Jordan.

4- Social responsibility accounting between theory and application in both the health and private

sector in Jordan.

Computer

Skills

- Professional in using Microsoft Office in general.

- Familiar with Internet, www browsing, and Search Engine.

-Excellent in programming using Microsoft Excel (Micros, Functions), a lot of

Accounting Tools Had been applied using Excel Programming.

-Capability of working in accounting software.

-Typing Skills.

Languages

Arabic: mother tongue.

English: Good in both written and spoken.

Training

Experience

Conducted a training courses on Financial Statements Analysis Using Computer and

on MS Excel in Cooperation with :

- Joint Efforts – Jordan .

- H&H Training Center – Sudan .

- Institute of Banking Studies – Jordan .

References

Miss. Amal Al Tawel

Financial Controller - Elba House Company.

Mr. Ghazi Al Tala

Executive Manager - Training Department - Jordan National Bank.

Mrs. Nadin Fhakoury

Executive Manager - Credit Card Center - Jordan National Bank.

Mr. Samir Jaradat

Executive Manager - Securities Depository Center.

Marwan H. Shehada

Ispection and Internal Audit Manager – Assistant General Manager - Audit / Union Bank for Savings

and Investment

:الثالثالمحور

ثظ هللا اىزح اىزح

الســـيزة الذاتيــــت

البياناث الشخصيت

خيو حذ أحذ اىقصبص االسم :

المؤهالث العلميت

المؤهل

البلــــذ تاريخ التخزج التقذيز الجامعت/ الكليت التخصص

دكتىراه

حبطجخ

جبؼةةةخ ػةةةب اىؼزثةةةةخ

راطبد اىؼيب ىيذ

3.3

زبس

8/1/2003

األرد

ماجستيز

حبطجخ

جبؼةةةخ ػةةةب اىؼزثةةةةخ

ىيذراطبد اىؼيب

3.81

زبس

2002

األرد

بكالىريىس

حبطجخ

جبؼخ اىشزىخ األردخ

84.6

زبس

1111

األرد

دراطةةةةةةةةةةبد دثيى زىطظ

صةةةةةةةةةز خ

وبىخ

ؼهةةةةةةةةةةةذ اىذراطةةةةةةةةةةةبد

اىصز خ

10.6

زبس

1114

األرد

11.5 ميخ اىجزغ اىؼزث حبطجخ دثيى زىطظ

زبس

االرد 1186

اىثبىةةةةةةةةةةةةةةةخ

اىؼبخ

رجبر مدرسة الفتح الثانوية

األرد 1184 80.5

الخبزاث العمليت

المؤسست الىظيفتتاريخ بذء

العمل

تاريخ انتهاء

العمل

اطزشبراد بىخ ورذرت

حتى تاريخه 6/2011 ػو حز

اىىمبىةةةخ االزنةةةخ ى ةةةب و ظزشبر بى خجز

USAID 23/5/2011 مشاريع

رئةةض مظةة اىز/زئ/دائةةزح زامجةةةخ

اػبه اىصزا خ

اىجل اىزمش األرد1/11/1181 22/5/2011

اىبىةةةةخ ىاضةةةةغاىحبضةةةةز ةةةة

حبطجخ واىزذمق واى

اىىمبىةةةخ األزنةةةخ ى ةةةب

USAID د ، ارحةةةةةةةةةةةةةةةةةةةةةةب

ؼهةةذ اىصةةبرا اىؼزثةةخ،

اىذراطةةةةةةةةةبد اىصةةةةةةةةةز خ

اىظةةةةةةةةةةةةةةةةةةةؼىدخ، ، )االرد

اىنىةةةذ، طةةةىرب، ىجةةةب ،

طة ه أثةةى لشاىةخ ىيزةةذرت،

ةةةةةة وػةةةةةةذد، ىىةةةةةةىص

زامةةةش اىزةةةذرت األخةةةزي

داخو وخبرج األرد

لغاية تاريخة 1/2004

وحنرذمق ظزشبر

لغاية تاريخة 1/1/2004 اىحبطجى األردى

5/9/9999 13/1/1183 كلية المجتمع العربي وحبضزبطت ح

أطزوحت الذكتىراة :

م/ب ح و ؼبىخ ظ اىؼيىبد دور رمبثخ اىجل اىزمش األرد رحظ وسبدح

.اىجىك اىزجبرخ األردخ اىحبطجخ اىطجقخ

رسالت الماجستيز:

ػي مزاراد اىظزثز خ األردخأثز اإل صبح اىقىائ اىبىخ ىيجىك اىزجبر

ثىرصخ ػب ضى اىؼبر اىحبطج اىذوى اىزبطغ واىث ثى.

المؤلفاث:

االرجبهبد اىحذثخ اىزحيو اىبى واػذاد اىىاسبد اىزقذزخ / رطجقبد ػيخ كتاب :

ثزود. –، شز ثذػ ارحبد اىصبرا اىؼزثخ 2010 اىجىك ،

دراطبد اىجذوي اىبىخ ىغز اىبى " أطبطبد اىحبطجخ وحز اػذاد تاب:ك

ثزود. –شز ثذػ ارحبد اىصبرا اىؼزثخ ، 2013" االمزصبدخ

ثذػ ارحبد ، 2014،"اىحىمخ اىؤطظخ واطززارجبد اىزذمق اىذاخي" كتاب:

. ثزود –اىصبرا اىؼزثخ

المشاريع :

طىز رشزؼبد اػبه اىصزا خ ، طيطخ اىقذ اى/يظطخ ، اىىمبىخ االزنخ شزوع ر

.2011ى ب ، طجزجز

شزوع اىزحىه االطبص اىقذ اى اطبص االطزحقبق اىحبطج ، وسارح اىبىخ

.2014جهىرخ اىظىدا ، ى جز –واالمزصبد اىىط

العضىياث :

ػضى اىؼهذ االزن ىيذمق اىذاخيIIA

. ػضى جؼخ اىخجزا اىصز

الشهاداث المهنيت:

هئخ ضب اىجىدح واىؼهذ اىذوى ىيزؼي TOTشهبدح االػزبد رذرت اىذرث

اىجزطبب (IDLI)ػ ثؼذ

اىزبىخ: اىجبالدحبضز المهاراث األكاديميت

اىحبطجخ ىغز اىحبطج )ثبىيغز اىؼزثخ واالجيشخ ، اىبىخ ىغز اىبى ، المحاسبتمىاضيع

ظ ،اىحبطجخ شزمبد اىزأ، حبطجخ اىىارد اىجشزخ ،حبطجخ اىزنبىف

اىؼيىبد اىحبطجخ، اػذاد ورحيو اىقىائ اىبىخ و ق ؼبز اىحبطجخ

، ؼبىجخ IAS&IFRSواالث ؽ اىبى اىذوىخ اىذوىخ، ؼبز اىحبطجخ

االطزثبراد اىبىخ و قب ىؼبز اىحبطجخ واالث ؽ اىبى اىذوىخ.

االقتصاديت ومىاضيع ال

تالمالي

اىزخطظ االطززارج ، اىظبطخ اىبىخ واىظبطخ اىقذخ ، االسخ اىبىخ اىؼبىخ

اىزحيو اىبى اطبط وزقذ ، ىؼبخ ىيذوىخ ، ورذاػبرهب االمزصبدخ، اىىاسخ ا

رحيو اىقىائ اىبىخ ىيجىك ورصف اىجىك،اىزحيو االئزب اطبط وزقذ ،

اىزخطظ واىزجؤ اىبى واػذاد اػذاد ورحيو اىقىائ اىبىخ ثبطزخذا اىحبطىة،

غ اىصغزح اىىاسبد اىزقذزخ، اػذاد دراطبد اىجذوي االمزصبدخ ىيشبر

، اىزحيو اىبى االثذاػ.واىزىططخ

ؼبز اىزذمق اىذوىخ ، اىزذمق اىذاخي و قب ىيؼبز اىذوىخ ، اىزذمق اىذاخي مىاضيع التذقيق

، اىزق اىذار الظخ اىزمبثخ اىذاخيخ و ق /هى RBAاىج ػي اىخبطز

COSO اىغئ واالحزبه اىجببد ،هبراد اىزذمق ثئخ اىحبطت اى ،

اىبىخ وظؤوىخ اىذمق ، االحزبه وادارح االرثبح .

برامج تدريبية خاصة للمؤسسات التالية:

المؤسسات الحكومية:

وزارة الصناعة والتجارة االردنية. - دائرة الجمارك االردنية. - وزارة المالية االردنية. - األردن. –ديوان المحاسبة - ية لحكومة ابو ظبي.وزارة المال - وزارة المالية السودانية. - وزارة الصناعة والتجارة العراقية. - ديوان الرقابة المالية العراقي. - وزارة العدل البحرينية. -

البنوك والمؤسسات المالية:

االردن. –بنك االسكان - االردن. –بنك القاهرة عمان - االرد. –ثل األرد -

االرد. –ثل طىطزه جزاه -

ؤطظخ اىقذ اىؼزث اىظؼىد. -

طيطخ اىقذ اى/يظطخ. -

اىظؼىدخ –جىػخ طبجب اىصز خ -

اىجل اىزمش اىظىر. -

اىجل اىزمش اىيج. -

اىجل اىزمش اىنىز. -

اىجل اىزمش اىظىدا. -

الشزكاث الكبزي

اىظؼىدخ -شزمخ آرانى -

اىظؼىدخ. –جىػخ شزمبد اى/بر اىصبػخ -

اىؼزاق. –مخ /ظ اىشبه شز -

المهارات االضافية

(ICDLمهارة متقدمة في استخدام الحاسوب )الرخصة الدولية في استخدام الحاسوب

اللغات

اىيغخ األ . –اىيغخ اىؼزثخ

اىيغخ االجيشخ.

:الخامسالمحور

Personal Details: Name: Mohammad Awni Al shiekh

Date of birth July 12th

1979

Address: Aljandawil , Amman

Sex: Male.

Material status: Married

Nationality: Jordanian

Education:

- April 2006: Master Degree . In Financial Management, , The Arab Academy For

Banking And Financial Science -Jordan. With (very good rating) .

- February 2002: BSc . In Finance And Banking Science , . with (excellent rating) .

I had till this data a (Excellent) degree. During my studies I worked in many practical

and theoretical subject related to conservation work where I had the chance to

analysis the stock exchange market and I had master degree letter in banking

operational specially in (Anti Money Laundry).

Career Objective : Securing a responsible position in a reputable organization that enables me to utilize my

experience, capabilities and knowledge in a way that brings value to the organization and

myself.

Working Experience:

Assistant General Manager (AGM) : Egyptian Arab Land Bank , Chief

Inspection &Internal Audit Sector .(CIA)

Period :1st march 2017 until now .

Executive Manager: Egyptian Arab Land Bank, Chief Internal

Auditor, Amman –Jordan .

Period: 1st July 2013 – 1

st march 2017 :

- Manage the division overall activities .

- Ensure compliance with Banks polices and procedures , the CBJ circulars and

requirements and the Jordanian law and regulations .

- Ensure the divisions compliance with sound internal audit standards .

- Establish an internal audit charter (object and scope of internal audit , function ,

Its authorities and responsibilities and accountability of the head of internal audit

division ).

- Establish the audit programs and the audit plan (time and frequency of internal audit

works and required resources in terms of personal and tools ).

- Follow up the proper execution of the yearly audit plan ,recommend its amendment

according to new developments and submit it to the Internal Audit Committee for

approval .

- Meet regularly with all Auditors and discuss the Audit plans objectives and scope.

- Allocate resources to assignments and ensure the professional competence of

Internal Auditors , based on Audit particularity and need for expertise .

- Provide Internal Auditors with tools and materials to be used in running the

assignment (previous Audit memos , work programs ) .

- Review and submit a copy of the Audit assignment report to the auditee and the

auditee`s management , and an executive summary report to the senior management

and the Audit committee .

- Discuss findings and recommendations with the auditee`s management and agree on

corrective action plans .

- Review the periodic report regarding the status of recommendations and unresolved

issues , and submit it to the Senior Management and the Audit committee .

- Ensure the proper application of it security concepts and highlight the result of

ineffective or missing IT security controls .

- Ensure the review of the means of safeguarding the Banks assets .

- Ensure the review of financial transactions and reporting to ensure compliance with

law and regulations related to fighting money laundering .

- Ensure the review of the accuracy and integrity of the books and the financial

reports.

- Lead Fraud investigations .

- Maintain an Audit references file ,which should be updated based on changes in

organization , rules ,regulations ,polices, procedures, systems , and other aspects.

-Follow up with Audit Teams in divisions /departments/units /branches ,and visit

them during audit assignment .

- Ensure the liaison with the Audit Committee, External Auditors and supervisory

Authorities .

- Lead sudden and urgent audit .

- Develop the divisions overall yearly plan and budget .

- Develop and update the division policies, procedures and Audit programs .

-Assign responsibilities to subordinates , validate their job description and

communicate changes , to the Head of Human Resources division .

- develop and motivate subordinates to improve current performance and prepare for

advancements .

2.Manager : Invest Bank : Internal Audit Manager ,Amman – Jordan .

Period : Jan 4th 2009 -28th

june2013

- Member of Restructuring team of the bank (Audit Department) .

- Implementation the best practice According the international standards that issue

from the (IIA) .

- Preparing the Summary and Report for the audit committee .

- Discussing and Classification the report with the head of internal audit department.

-Coordinated with Audit committee secretary the decisions and make action plan and

follow up .

- Contact officer with the CBJ .

- Guide the audit teams in the area .

- Review and classification the report before presented to the executives management.

- preparing the follow up plan for the high risk bending observation and discussing

with chief .

- Preparing the Audit Plane According to Risk Based Audit Methodology .

- Preparing the audit program according the risk rating approach .

- Participant with many committee in the bank.

- Review the (Central Bank Of Jordan) report and coordinated the answering of all

observation with audit committee .

- Preview the financial reports before issuing to the (CBJ).

- Updated the department files with the recently (CBJ) instructions & regulation..

- Monitoring all bank policy and programs such as( compliance programs ,risk

management ,quality assurance `,Corporate Governance …etc) .

2. Employer : Cairo Amman Bank: Audit Team Leader/ Internal Audit Division

, Amman –Jordan . Period : February 1

st 2007- 4

TH JAN 2009 .

- Planning & performing audit engagements in accordance with international

accounting & auditing standard;

- Executing of audit plans;

- Assessing accounting systems, internal control environment, business framework

and business cycle;

- Discussing with the audit manager the progress of audit engagements and any

significant issues that may arise;

- Preparing the drafts of financial statements, auditor's report & letters of

recommendations to management; and

- Ensuring that the working papers have been properly finalized (including resolution

of all outstanding items ).

- Managing the audit team in area which they are audit .

- Implementing the requirements of anti-money laundering legislations.

- Ensuring that there is adequate compliance controls in place to mitigate risks, and

whether there are processes in place to assess: system changes risks, new products and

services, organizational or/and management changes, and new regulatory

requirements;

- Private Audit mission in Legal department& Remedial department .

- Private Audit mission in credit area such as (retail, corporate, SMEs ,Micro Finance)

- Member in policies and procedure committee in the bank . (as consulting ) .

- Member of internal and external fraud committee .

- Expert in (CRSA) – Control Risk Self Assessment- in risk based audit .

3. Employer : Doha bank : Assistant Manager audit department , Doha –

Qatar .

Period : September 1st ,2006 – February1st 2007 .

- Preparing and discussing the credit audit report and follow up any out standing

items .

- Classification the report out standing the risk .

- Special assignment to evaluate the credit officers result .

- Special assignment to analyst the retail portfolio .

4. Employer : Cairo Amman Bank : senior internal audit , audit department .

Period : March ,2002 – September 30th

2006 :

- Planning & performing audit engagements in accordance with international

accounting & auditing standard;

- Executing of audit plans;

- Assessing accounting systems, internal control environment, business framework

and business cycle;

- Prepare the audit report and discussing with audit manager .

- Prepare the audit plane and audit program.

- Auditing many branches and department such as( HR, Credit Corporate department,

Retail department , Central operational unit , Foreign Treasury , Trade finance , and

Financial department ,…etc).

Other experience:

- Trainer (Institute of Banking Studies) In Risk Based Audit .

- Instructor in Risk Based Audit ( Training center – Cairo Amman Bank) .

- Trainer in Fraud (The Arab Academy For Banking and Financial Science).

- Have many experiences in workshop and seminar such as( Investment , Credit

control ,Financial Analysis, Internal Fraud., Operations)

- Instructor in Control Risk Self Assessment .

- SAS99 .

- Brain Storming Session Prior To Audit .

- Code Of Ethics ( workshop) .

- Basel 3 .

Professional certificate:

CGB: Certify of General Banker (Washington, USA, October 2007).

High diploma in Financial Audit and Review: (The Arab Academy for Banking

and Financial Science 2005)

Currently : Participant in (CIA ) program .

Special courses:

1. Internal Audit in the banks. (Institute of Bank Study ,Amman ,2003)

2. Internal and External Bank Fraud (Institute of Bank Study ,Amman 2004).

3. Advance in L/Cs (Institute of Bank Study ,Amman 2005).

4. Risk Based Audit ( Training Center ,Cairo Amman Bank 2004 ).

5.Credit Scoring ( Institute of Bank Study , Doha ,Qatar 2006).

6. Fraud Detection And Prevention ( Training Center ,Cairo Amman Bank 2006).

7. Compliance With International Standards And Best Practice For International

Audit( The Arab Academy For Banking and Financial Science2006).

8. UCP 600((Institute of Bank Study ,Amman 2007).

9. Comprehensive training courses in Anti- Money Laundry and ACAM (The Arab

Academy For Banking and Financial Science2006).

10. Basel 11& Banking Risk ( Training Center ,Cairo Amman Bank 2007) .

11.Other training courses & seminars held by the Institute of Banking Studies such as

English Terminology for Bank Teller & Customers Services, FX trading, Passive/Active

Portfolio Management, Credit etc.

Others:

- Excellent command in Arabic and English.

- Computer skills: Excellent in Microsoft word, excel, publisher, outlook, power

point, data base, photo modeler and internet searching.

- ICBS Bank System.

- KINDEL Bank System.

- Cats Bank System .

- CARE Audit System .

- Archiving Bank System.

- I flex system.

- EBS Financial System.

Special Skills:

-Working hard under work pressure for long time.

-Self motivated.

-Time management skills.

-Team work skills & spirit.

REFRENCES: Furnished upon request