Job Description
- Job Purpose
- To strengthen the governance, risk management, and internal control framework across the Business Banking sales function.
- To ensure proactive identification, mitigation, and reporting of operational, conduct, and regulatory risks within the sales unit.
- To drive high standards of compliance, customer experience, and sales quality through effective monitoring, analytics, and control mechanisms.
- To support business growth by embedding a strong control culture without impacting sales productivity.
Key Result Areas
Governance, Risk & Compliance
Monitor adherence to internal policies, SOPs, SLAs, and regulatory requirements across sales channels.
Identify, escalate, and track control gaps, operational risks, and compliance breaches.
Support internal and external audits, ensuring timely closure of audit findings.
Strengthen control frameworks aligned with regulatory expectations (CBUAE and internal compliance).
Manage end-to-end customer complaints through CRM in coordination with Customer Care Unit.
Investigate complaints related to mis-selling, service gaps, and fraud indicators.
Conduct root cause analysis (RCSA) and drive corrective/preventive actions.
Monitor lead management, onboarding quality, and documentation standards.
Ensure adherence to KYC, AML, and onboarding standards.
D. Reporting & Analytics
Prepare and publish governance dashboards (MER, KPIs, risk indicators).
E. Fraud Risk & Control
Identify suspicious patterns and escalate potential fraud cases to Fraud & Investigation teams.
Ensure strong preventive controls to minimize fraud exposure.
F. Process Improvement & Optimization
Regularly review and update SOPs, SLAs, and operating manuals.
Partner with business, operations, and product teams to streamline processes.
Promote digital adoption and process automation across sales and onboarding.
G. Field Controls & Sales Governance
Conduct periodic field visits and audits of sales units to ensure compliance (documentation, clean desk, record management).
Monitor ONR (Open Non-Resolved issues) and ensure timely closure.
Ensure proper handling of customer documents and adherence to data privacy standards.
Track completion of mandatory trainings (compliance, AML, conduct).
Conduct awareness sessions on governance, risk, and compliance topics.
Drive a culture of accountability and ethical selling practices.
- Manage the Business Continuity for the Unit.
Operating Environment, Framework and Boundaries, Working Relationships
- Work closely with:
- Sales Teams (BDOs, Team Leaders, Managers)
- Customer Care Unit
- Compliance & Risk
- Fraud & Investigation Unit
- Operations & Product Teams
- Ensure effective coordination between business and control functions.
Monitor and manage user access controls and segregation of duties within systems.
Problem Solving
RResolve complex customer complaints and operational issues with minimal escalation.
Identify systemic issues and implement sustainable fixes rather than temporary solutions.
- Balance business objectives with risk and compliance requirements
Knowledge, Skills and Experience
Recommend and implement process improvements and control enhancements.
Escalate high-risk issues, fraud cases, and compliance breaches.
Influence SLA definitions, governance frameworks, and reporting structures.
Participate in projects related to sales transformation, onboarding, and controls.