A seasoned bilingual (English and Arabic) qualified internal audit professional with a total experience of more than 15 years. I have international banking experience as I worked in two  international banks; I have proven track record of establishing internal audit functions in my current role and transforming internal audit to a value added strategic internal audit function and assist management in maintaining effective and efficient control environment and risk management. 

Key Audits handled include Corporate Credit, Small & Medium Enterprises (SME's), Retail Credit, Financial Institutions, Private Banking, Branch Audits, Credit Risk Management, Asset Recovery, Collection, Trade Finance, Operation, Finance, Treasury, Human Resources, Legal, etc...

Career Objective

Aspiring for a leadership role that will benefit from my experience, positive interaction and varied skills in providing independent assurance on organization’s risk management, governance and internal control processes.

Key Achievements

  • Established and developed the Internal Audit function including the development of the Internal Audit Charter, Policies, and Procedures.
  • Introducing Internal Audit risk rating methodology to evaluate the riskiness of audit entities as well as the whole organization.
  • Recognized for setting up the continuous auditing function within the internal audit department to highlight emerging risk and proactively identify risks.
  • Permanent internal audit delegate to oversee the AGM processes. 
  • Applied excellent communication skills in order to influence a wide range of internal audiences including executive management partners.
  • Recommend various process improvements and follow up with its implementation.
  • Active member of the Central Bank of Jordan committee for the implementation of Basel II accords.

Work History

Work History
Jun 2014 - Present

Head of Internal Audit

Reem Finance
  • Prepared and obtained Audit Committee approval on internal audit Charter, established internal audit processes and policies.
  • Developed and updated company-wide risk register to assess risks and associated controls in the company. 
  • Prepared risk–based annual audit plan detailing the scope, nature and timing of audit activities.
  • Designed internal audit procedures and audit programs to ensure that detailed audit work is effectively focused on high-risk areas.
  • Led the internal audit function to ensure adherence to best banking practices as well as to regulatory authority guidelines, internal audit & International Accounting standards.
  • Reviewed existing and proposed policies and procedures pertaining to activity or function under audit review.
  • Review the accuracy, timeliness and relevance of financial information and other disclosures provided to management.
  • Identified key areas of risk within the company and proposed appropriate and practical controls to mitigate those risks.
  • Evaluate the effectiveness of internal control structures at all levels and report material internal control deficiencies to senior management, Audit Committee, and BoD.
  • Ensure that audit observations and recommendations are clearly presented and agreed by management and that a subsequent audit report is issued promptly
  • Monitor the timely implementation of all agreed upon recommendations.
  • Provided quarterly assessment to audit committee on the reasonableness and effectiveness of the Company’s processes for controlling its activities and managing its risks
  • Perform special reviews/audits as and when requested by the Audit Committee.
  • Conduct investigations of significant suspected fraudulent activities within the Company and reporting results to the audit committee, if assigned to do so.
  • Contribute to the improvement and enhancement of the Company-wide processes & controls through participation in workgroups and meetings
  • Liaise with external auditors and regulatory inspectors.
  • Participate in various committees from time to time.
May 2008 - Jun 2014

Internal Audit Manager – Credit Risk Review 

Abu Dhabi Islamic Bank
  • Developed and executed a robust Audit Plan, by reviewable entity, for assigned businesses in accordance with Internal Audit Manual.
  • Reviewed business process, associated risks, assessed controls and prepared a business process matrix
  • Reviewed data obtained for evidence of deficiencies in controls, duplication of effort, fraud, or lack of compliance with laws, government regulations, board policies and management procedures and highlight relevant issues.
  • Ensure detailed examination of credit portfolios, customer credit files and performed a complete review of the credit-related transactions.
  • Prepared working papers to ensure that reported findings were adequately supported by evidence and verified.
  • Timely delivered high-quality audit reports covering audit observation and regulatory issue validations.
  • Designed and implemented  continuous auditing methodology to proactively identify credit portfolio deterioration. 
  • Participate in the evaluation of IT systems from an internal control point of view.
  • Assess the adequacy of existing as well as proposed  policies and procedures.
  • Acting as a consultant to business units for establishing controls over operations.
  • Represented internal audit in the shareholders Annual General Meetings (AGM) 
Aug 2005 - Jun 2008

Senior Internal Auditor - Credit Audit

National Bank of Abu Dhabi
  • Develop detailed audit plans and programs for key Credit Risk areas (i.e. Corporate Credit Group, Risk Management Division, International Banking Group).
  • Performed detailed examination of credit portfolios, customer credit files and reviewed credit-related transactions.
  • Prepared and review reports of findings and recommendations for credit audits, and discuss draft findings with the auditee.
  • Prepare comprehensive internal audit reports.
  • Evaluate Credit Policies, Procedures, and applications.
  • led fraud investigation and special assignment (as required by management)
Mar 2004 - May 2005

Bank Examiner 

Central Bank Of Jordan
  • Assessing banks' compliance with central bank laws and regulations.
  • Reviewed periodical returns of regulated banks to identify the areas of risks as well as breaches of central bank regulations.
  • Examined annual & semi-annual financial statement of regulated banks.
  • Regularly analyzed the financial performance of regulated banks and provided an assessment of the soundness of regulated banks.
  • Carried out  the onsite examination of regulated banks.
  • Preparation of detailed examination report.
Aug 2000 - Aug 2003

Credit Officer 

Capital Bank of Jordan 
  • Manage and monitor Corporate Credit portfolio (around 50 customers)
  • Marketing banking products to existing / targeted customers.
  • Prepare Corporate Credit proposals by evaluating corporate customers’ needs, potentials, cash flow, financial strength, market share, repayment ability and credit rating.
  • Periodically performing SWOT analysis for corporate credit customer in order to update their credit rating and to anticipate future needs or shortfalls.


1996 - 1998


Arab Academy for Banking and Financial Studies

Accounting and Finance

Aug 1992 - Aug 1996


University of Jordan




Certified Control Self Assessment (CCSA)

Institute of Internal Auditors

Certified Financial Service Auditor (CFSA)

Institute of Internal Auditors

Certified Management Accountant (CMA)

Institute of Management Accountants (ICMA)

Certified Financial Manager (CFM)

Institute of Management Accountant (ICMA)

Computer skills 

  • TeamMate Audit Management System
  • FinnOne Core Banking System
  • Phoenix Core Banking System
  • Moodys KMV
  • Microsoft Office ( Word, Excel, Powerpoint, Access)
  • Microsoft Visio