Said Yahya Al Bahanata

MANAGER - GLOBAL STANDARDS - HSBC BANK OMAN S.A.O.G

Summary

Highly motivated, goal-oriented professional; a decision-maker skilled in implementing change.

An executive with more than 10 years of rich banking experiences cumulated through the years from working in different roles such as corporate credit, branches, Projects, processes streamlining, credit risk management, operational risk management, banking operations and transformation projects.

A skilled executive in developing and maintaining a broad vision, cultivating excellent relationships, and communicating effectively across the organization to build focused and productive teams.

A Highly organized and independent; able to effectively coordinate tasks to accomplish projects with timeliness and creativity.

Education

Education
Sep 1998 - Jul 2003

BACHELOR

Sultan Qaboos University

Degree on Science - Agriculture

Major: Marine Science & Techonologies

Minor: Agricultural Economics & Rural Studies 

PROFISSIONAL SKILLS

Language, Computer & Programming:

  • English - good
  • Arabic - very good
  • Microsoft Office - very good
  • Visual Basic - good

General Skills:

  • Leadership & Performance Management
  • Project Management
  • Risk Management
  • Financial Analysis.
  • Statistical Analysis.
  • Process Re-engineering and Workflows design.
  • Products Development.
  • Procedures Review.
  • Marketing Plans.
  • Communications.

QUALIFICATIONS & CERTIFICATES


    • HSBC Business Academy School courses (online & Face-To-Face) – 2011-2015.
    • Projects Risks & Issues Management 2014 - Dubai
    • Fundamental Project Management 2014 - Dubai
    • Fraud Detection training 2011 - Muscat
    • Workshop “Operational Risk Management” in Muscat, Oman 14-15 December 2010 at Al Bustan InterContinental Palace.
    • Loan Guarantee Program in Minneapolis, Minnesota & Washington DC, USA 21-27 September 2010 by the U.S. Small Business Administration.
    • Loan Guarantee Program in Muscat. Oman 25-28 July 2010 by the U.S. Small Business Administration & Ministry of Commerce & Industry.
    • Certificate of Participation in the training program Effective Corporate Performance Management in Muscat, Oman 26-29 April 2010.
    • Staff Development & Motivation in Muscat, Oman 20-23 December 2009.
    • Certified Risk Compliance Professional Course – Dubai, UAE 8-12 February 2009 (Personal).
    • Banking Interactive Business Simulations Course – Muscat, Oman 25-27 May 2008 (College of Banking & Financial Studies + Targetsim: Interactive Business Simulations).
    • Certificate of Achievement for passing the test of Credit Risk Mitigation & Modeling Course – Beirut, Lebanon 27-31 January 2008 (Union of Arab banks).
    • Credit Risk Mitigation & Modeling Course – Beirut, Lebanon 27-31 January 2008 (Union of Arab Banks).
    • Certificate of Appreciation: Fisheries Sector Work Shop – Salalah, Oman from 20 to 22-05-2007 (Ministry of Agriculture & Fisheries) (Personal).
    • Microsoft Access 2000 Professional Course – Muscat, Oman 29-12-2004 (New Horizon Computer Learning Center).
    • Business Continuity Planning Course – Muscat, Oman 11-12-2004 (College of Banking & Financial Studies).
    • Financial Statement Analysis and Managing Collections & Poustul Debits Course – Muscat, Oman from 25-09-2004 to 06-10-2004 (The Arab Academy of Banking & Financial Studies).


Work History

Work History
Mar 2015 - Present

Manager Global Standards - Implementation

HSBC Bank Oman SAOG

Responsible for the execution of the Group critical Global Standards Programme and all related sub-programmers in the country. Working with the execution leads team from all business lines and function(Retail, Corporate, Compliance, Legal, HR, Service Delivery and Communications) to ensure the complete implementation of the Global Standards Programme in the country and all related sub-programmers such as the Customer Due Diligence(CDD), Financial Crime Compliance(FCC), Financial Intelligence Programme(FIP) and Data Readiness project.

Jun 2014 - Sep 2015

FATCA Country Execution Lead

HSBC Bank Oman SAOG

Responsible for the implementation of the FATCA requirements for HSBC Bank Oman. Leading the country execution team from all business lines and function.

Jun 2014 - Mar 2015

Head of Organization Development & HTS Strategic Projects

HSBC Bank Oman SAOG

Lead projects covering the whole range, size and complexity in any or all of the Category Areas and other areas of the Bank. Ensuring all projects achieve the objectives as described in the Terms of Reference. To improve organization efficiency through the introduction of new technology and system functionality, process redesign and enhancement and business reengineering and/or restructuring. To provide a high quality service in the implementation of projects designed to improve customer service and reduce costs to the business.

Jun 2013 - Mar 2014

Act. Chief Risk and Administration Officer

HSBC Bank Oman SAOG

Reporting to the Chief Operating Officer and responsible of the over-all HSBC Support Services function covering:

 

        • The key objectives of HTS Risk & Administration function are to manage operational risk, internal controls, quality and sustainability across HSBC Technology and Services (HTS).
        • To provide effective dedicated administration support to the country COO and the group COO community.
        • The Risk and Administration function consist of the Chief Risk and Administration Officer (CRAO) supported by five principle sub-functions:

 

1- HTS Business Risk and Controls Management (BRCM Department):

- Ensure HTS management fully consider and effectively manage the risk and controls environment.

- Assess and reports on the adequacy of the controls environment by testing the controls designed to mitigate risk and ensure that they are working appropriately and functioning effectively.

2- HTS Operational Support and Development (OSD Department):

- Supports consistent analysis, planning, reporting and monitoring activities across HTS functions.

- Give business/commercial support to the Group COO.

- Implements consistent governance and organizational support across HTS functions.

3- HTS Quality (HTSQ Department):

- Ensures excellence in delivery of service and high quality solution deployment.

- Focuses on identification of Business Critical Services and ensures their development, governance, quality & performance reporting and insight on issues.

- Oversight and monitor the performance and quality levels of the service agreements, incident management and inter-group agreements.

- Help the businesses to design, monitor and report the key performance indicators (KPIs) and the key risk indicators (KRIs).  

- Drives continue quality improvement and increased business partner and customer satisfaction across HTS functions.

 

4- Knowledge & Records Management (KRM Department):

- HSBC Records risk management.

- HSBC Knowledge management.

Jul 2013 - Mar 2014

Manager Global Standards - Foundation

HSBC Bank Oman SAOG

Reporting to the COO and responsible for the execution of the foundation phase of the group critical Global Standards Programme and all related sub-programmers in the country. Leading the country execution  team from all business lines and function (Retail, Corporate, Compliance, Legal, HR, Service Delivery and Communications) to ensure the complete preparations of the Global Standards Programme in the country and all related sub-programmers such as the Customer Due Diligence (CDD), Financial Crime Compliance(FCC), Financial Intelligence Programme(FIP) and Data Readiness project.

May 2013 - Dec 2013

Know Your Customer (KYC) Project Manager

Country Execution

Reporting to the COO and responsible to continue the delivery of the ongoing KYC project aimed to refresh our customers' information after the merger with Oman international Bank. Project Completed Dec 2014.

Oct 2012 - May 2013

Head of Business Risks & Controls - HTS

HSBC Bank Oman SAOG
Head of Business Risks & Controls-HTS-Service Delivery-. The goal of SD BRCM is to assist the SD Management by establishing risk governance practices to minimize operational risk levels through effective consultation, monitoring and oversight. Work with the management to develop and maintain sound and balanced internal controls.
Apr 2011 - Oct 2012

Operations Control Manager

HSBC Oman

Managing the Operations Risk & Internal Controls(ORIC) within the Service Delivery department. Monitoring the critical operations and reassessment of the existing controls implemented to mitigate risks. Test and certify the business continuity plans of the critical operations and services. Review & documenting the current processes & controls in all Service Delivery sup-departments.

Track operations losses and record them into the operations losses.

Other roles; Department Record Manager, Debuty BIRO(Business Information Risk Officer) & Debuty BMLCO(Business Anti-Money Laundering & Counter Terrorist Financing Officer)

Apr 2010 - Apr 2011

Section Head Bank Operations

Oman Development Bank

Processes reengineering & Work-Flow Project: Ownership & Preparation of the required documents for implementing the work-flow software solution across all departments including the HR and Finance Department. Reply to all bank enquiries regarding the using of the core-banking system and other support systems for the daily operations. Loan Operations: Review & execute all types of operations related to loans such as Rescheduling, Write-off and amendments plus error management for all bank departments. Daily Operations: Monitoring the bank daily operation such as Loan/Grant Disbursements, Cash received & Day-Close of the Branches. BCSB Reports: Provide BCSB reports for all loans applications through CBO BCSB System. Government Loans Operations: Prepare the Monthly Reports to the Ministry of Finance on their loans Portfolio Status and pay the repayments received during the month and claiming of the management fees. Life Insurance: Prepare and pay the monthly life insurance premier to the insurance company and handle all insurance claims from branches in addition to errors management of insurance operations plus yearly review of the insurance policy. Front Office: In charge of the Front Office Section in the Head Office for all their operations related to the Loan Management Department, Credit Department, Legal Department and Muscat Branch. Salaries Transfers: Process & Follow-up all salaries transfers related to loans. Archiving: In charge of the Archiving Section in the Head Office for Security(Passwords & Registry), handling of new or existing files & insure relevant level of data updating in the loans folders. Accounts Monthly Closing: Bank statements reconciliation and generate the monthly subsidy reports to the Ministry of Finance and write-offs.

Jan 2010 - Mar 2010

Senior Risk Officer

Oman Development Bank

Managing various risks(Credit, Market, Financial, Operational, Legal etc.) of the bank. Providing assistance in day to day management of risks. Evaluate customers and market trends and preparing perspectives on competitors. Monitoring, reviewing and documenting risk management policies and procedures. Tracking performance of account approved under deviations of authority. Conducting periodic loan review to insure proper Risk Rating & Pricing of loans. Formulation & review of business strategies and ensure business plan's implementation within different departments of the bank(Quality Assurance Management). Prepare BASEL II formats in coordination with CBO guidelines. Developing, maintaining and modifying as required, systems and methodologies, to evaluate, measure & monitor risks, in line with the bank policies and CBO guidelines. Providing top management with accurate and timely risk information in agreed formats on regular scheduled basis.

Aug 2009 - Dec 2009

Sanad & Life Resources Fund Operations

Oman Develpment Bank

Reviewing all loans' data and customers' accounts of Sanad & Life Resources portfolios and prepare the required work to be migrated to the new system. Monitoring day to day branches operations and fix any unsuccessful transactions before the agreed daily closing time(DCT).

Jun 2008 - Aug 2009

Senior Risk Officer

Oman Development Bank
Senior Risk Officer(1 employee): Formulation & review of business strategies and insure business plan's implementation within different departments of the bank(Quality Assurance Management). Prepare BASEL II formats in coordination with CBO guidelines. Monitoring, reviewing and documenting risk management policies and procedures. Tracking performance of account approved under deviations of authority. Conducting periodic loan review to insure proper Risk Rating & Pricing of loans. Developing, maintaining and modifying as required, systems and methodologies, to evaluate, measure & monitor risks, in line with the bank policies and CBO guidelines. Providing top management with accurate and timely risk information in agreed formats on regular scheduled basis. Managing various risks(Credit, Market, Financial, Operational, Legal etc.) of the bank. Providing assistance in day to day management of risks. Evaluate customers and market trends and preparing perspectives on competitors.
Nov 2007 - May 2008

Section Head of Branches Operations Room - Core Banaking ICBS Project

Oman Development Bank

Member of the Core-Banking system implementation team for the branches (4 employees). Responsible for the implentation of the new core banking system within the branches network covering systems testing and acceptance, staff training & reveiw, update and redesign of the operational procedures. 

Jul 2006 - Oct 2007

Regional Credit Officer

Oman Development Bank-Salalah Branch
  • Review and evaluate all Loan Applications for the southern region of Oman (Dhofar).
  • Conduct regional economy studies in all business sectors such as agriculture, industry, tourism and professional services.
  • Follow-up and visit all financed project in the region to monitor the bank loan portfolios.
  • Supervise loans disbursement upon projects phases’ completion.
  • Conduct feasibility studies for the bank new branches within the region led to the opening of the second branch in the region (Mirbat branch).
Aug 2004 - Jun 2006

Credit Officer - Agriculture & Food Processing Industries

Oman Development Bank
  • Review and evaluate all Loan Applications in the agriculture & food processing industries.
  • Conduct regional economy studies in agriculture & food processing industries.
  • Follow-up and visit all financed projects & monitor the loans portfolio.

Supervise loans disbursement upon project phase’s completion.