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About QNB<br><br>Established in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.<br><br>QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.<br><br>QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.<br><br>Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.<br><br>QNB Group has an active community support program and sponsors various social, educational and sporting events.<br><br>Job Summary<br><br>The incumbent will be responsible for leading and driving the Global Trade Services Sales function across Cash Management and Trade Services businesses within QNB Group's Global Transaction Banking (GTB) division. The role is accountable for the development and execution of sales strategies, business growth initiatives, and client engagement activities across the Group's international network of branches and subsidiaries.<br><br>The scope covers the full spectrum of Trade Finance solutions, including traditional trade products and Open Account Trade Finance, as well as Cash Management solutions encompassing payments, collections, liquidity management, and working capital solutions.<br><br>The successful candidate will be responsible for expanding market share, strengthening client relationships, identifying cross-border business opportunities, and delivering sustainable revenue growth across multiple geographies. The role requires close collaboration with regional and country teams to ensure the effective delivery of transaction banking solutions to multinational corporations, financial institutions, and large corporate clients.<br><br>Main Responsibilities<br><br> Shareholder & Financial:Develop and implement marketing and customer call plans with respect to all Cash Management and Trade Services products to achieve the agreed financial targets. Responsible for cash and trade deal origination and execution domestically and across the entire network. Responsible for network coordination to ensure seamless branch cooperation on the cash and trade fronts. Responsible for the financial performance of trade assets over the lifetime of the transaction. Responsible for revenue growth and product development feedback to ensure constantly enhancing the GTB positioning and profitability within peer groups. Implements KPI’s and best practices for Global Transaction Banking Sales. Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank. Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor exercise of the same. Demonstrate clear understanding of the important factors behind the bank's financial & non-financial performance. Customer (Internal & External):Develop and maintain strong deal pipeline and trade target market to enhance the overall QNB client proposal in all QNB markets. Coordinate the origination efforts of developing and maintaining strong deal pipeline within the cash and trade target market and proactively harnessing key industry initiatives and economic trends as appropriate to enhance the overall QNB client proposal. Promote and support the coordination and cooperation efforts across the network for seamless cooperation, deal origination and execution efforts. Ensure disciplined sales efforts complete with sales processes and pipeline management, wallet sizing, account planning, heat maps etc to ensure and organized and effective global approach to cash and trade sales Define a strong coordinated effort to originate regional clients to capture cash management mandates Organize cash and trade customer forums and events. Actively participate and represent QNB on international cash and trade events and cash and trade customer forums. Establish personal relationships with cash and trade customers. Attend cash and trade customer calls, lead business discussions and outline the potential treasury and financing structures, RFPs etc to the customers. Discuss pricing proposition, transaction structure and distribution. Work close and cooperate with the Corporate Relationship Management team to ensure the best in class customer service. Assist customers in all their queries on Bank’s product and seek solution to their requests. Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time. Build and maintain strong/effective relationships with related departments/units to achieve the Group’s objectives. Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required. Internal (Processes, Products, Regulatory): Assume P/L and asset book ownership. Build and maintain strong and effective relationship with all other related departments and units in QNB to achieve the Group’s goals/ objectives. Recommend and work closely with the product team on product developments and implementation with respect to cash and trade products and services across QNB Group and harmonize the initiatives with the transaction banking business objectives of the Head Office (HO). Manage all financial and performance management reports to ensure effective monitoring of the business performance and meeting of all financial targets Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required. Work closely with Cash and Trade Products to drive the capability development (Global product/credit programs) relating to trade products and cash management solutions based on market and client readings Work with HO and Country Managers, to support the business objectives of the Cash and Trade business. Ensure that any internal disputes are resolved promptly and sufficiently. Is responsible that activities of the Department are well documented as per applicable internal and external requirements as well as reports to the Senior Management team on the Department's performance. Performs any other tasks and projects as assigned by the direct manager pertaining to Corporate and Institutional Banking and QNB Group activities.<br><br>Continuous Improvement<br><br>Set examples by leading improvement initiatives through cross-functional teams ensuring successes. Identify and encourage people to adopt practices better than the industry standard. Continuously encourage and recognise the importance of thinking out-of-the-box within the team. Encourage, solicit and reward innovative ideas even in day-to-day issues. Learning & Knowledge:Raise general awareness of transaction banking, cash and trade products and services within the QNB Group. Help create internal presentations, customer-focused presentations, pitch books and enhance QNB’s ability todeliver a powerful and compelling cash and trade proposition to its current and targeted customers. Continuous improvement of credit knowledge, international and local markets and structuring skills;Continuous improvement of treasury management knowledge, international and local markets treasury advisory skills; Well-informed of the market competitive structure, industry practices and regulations in relation to cash and trade products Personally provides coaching and mentors employees under direct supervisions as well as those assigned by the Group's HR function to foster their professional development. Facilitates knowledge sharing within and across QNB Group employees as well as ensures presence of knowledge sharing systems staff and facilitate/coach them to improve their effectives and prepare them to assume greater responsibilities. Proactively identify areas for professional development of self and undertake development activities. Seek out opportunities to remain current with all developments in professional field. Hold meetings with staff and assess their performance and your teams overall performance on a regular basis. Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members. Legal, Regulatory, and Risk Framework Responsibilities:Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to,Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy). Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks. Ensure systematic good outcomes for clients in accordance with Conduct Risk policy. Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements. Maintain appropriate knowledge to ensure full qualification to undertake the role. Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence. Attend mandatory (internal and external) seminars as instructed by the Bank. Other:Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information. Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need-to-know basis only to Senior Management of QNB, Audit and Compliance functions, and relevant Regulators. Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position. All other ad hoc duties/activities related to QNB that management might request from time to time.<br><br>Education And Experience Requirements<br><br>Bachelor's degree in Finance, Banking, Economics, Accounting, Business Administration, Marketing, Information Technology, or a related discipline. An MBA or other relevant Master's degree is highly preferred. Minimum of 15 years of relevant banking experience, preferably gained within leading international financial institutions. Proven track record of at least 5 years in Cash Management Sales and 5 years in Trade Finance Sales, with demonstrated success in business development, client acquisition, and revenue generation. Extensive experience leading sales teams within a regional and/or global environment, including management of both direct and matrix reporting structures. Strong international exposure with coverage across a minimum of two geographical regions (Europe, South Africa and/or Asia), with Middle East experience being mandatory. Demonstrated expertise in Treasury Advisory and Cash Management Solutions, including direct engagement with corporate treasurers and multinational clients. Proven ability to structure and deliver both standard and complex cash management solutions tailored to client needs. Deep knowledge of Trade Finance and Structured Solutions, including Open Account Trade Finance, Structured Trade Finance, Commodity Finance, Inventory Finance, and other working capital solutions. Must possess hands-on experience in transaction structuring, credit assessment, credit proposal drafting, and end-to-end deal execution and implementation. Formal credit training or professional credit certification is mandatory, supported by strong credit analysis and risk assessment capabilities. Strong leadership and people management skills, with a proven ability to develop, motivate, and lead high-performing teams in a dynamic and multicultural environment.<br><br>Note: you will be required to attach the following:<br><br>Resume/CVCopy of Passport or QID Copy of Education Certificate

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> Job Purpose Summary: <br> <p><span>The incumbent will be responsible for implementing different assurance programs and tools to make sure the strategy of the anti-fraud activities within QNB Group Compliance, is working in an efficient way particularly in preventing and detecting all the fraud events, responding in a timely manner and reporting through the appropriate channels for escalation, investigation and feedback purposes in order to manage the fraud risks within the Group </span><strong><span>(except cards fraud)</span></strong><span>. In addition, act in a pro-active manner to feed up the fraud risk assessment process and strategy for continuous enhancement. </span></p><br><p><span>The incumbent assists Group Compliance to prevent the Group from being exposed to the fraud risk and the associated financial / reputation loss that the Group may incur/ suffer as a result of failure to comply with applicable laws, regulations, codes of conduct and standards of good practice relevant to the Group’s activities, including but not limited to measures for the prevention of any Fraud risk.</span></p><br> <br> <br><br> Essential Duties &amp; Responsibilities by Dimensions: <br> <p><strong><span>A. Shareholder &amp; Financial:</span></strong></p><br><p><span>- Assist to design a fraud risk assessment strategy of QNB Group that takes into consideration all business segments, customer categories and locations.</span></p><br><p><span>- Assess the fraud risk exposure periodically to identify specific potential schemes and events that the business needs to mitigate</span></p><br><p><span>- Test, based on the fraud control matrix the different procedures, key control indicators and key risk factor the efficiency and adequacy of the fraud control tools and procedures. </span></p><br><p><span>- Assist in designing prevention techniques to avoid potential key fraud risk events to mitigate possible impacts on the Group.</span></p><br><p><span>- Assist in implementing detection techniques to uncover fraud events when preventive measures fail or unmitigated risks are realized.</span></p><br><p><span>- Periodically monitor the performance of the fraud rules and take proper actions to enhance the monitoring efficiency.</span></p><br><p><span>- Assist in performing needs analysis to enhance the fraud monitoring system and to widen the scope of the </span></p><br><p><span>coverage to cover more channels, products and fields.</span></p><br><p><span>- Ensure proper management of fraud rules and revise as necessary.</span></p><br><p><span>- Suggests new testing and monitoring techniques covering the fraud risk </span></p><br><p><span>- Responsible for the identifying awareness topics priorities to executive management linked to the Fraud Control.</span></p><br><p><span>- Establish the priorities within the annual plan of the anti-fraud for the areas that require most focus using a risk-based approach</span></p><br><p><span>- Participate in design detection techniques to uncover fraud events when preventive measures fail or unmitigated risks are realized.</span></p><br><p><span>- Responsible for the awareness to executive management linked to the Fraud Control.</span></p><br><p><span>- Implements KPI’s and best practices for Senior Manager, Fraud Assurance and Strategy.</span></p><br><p><span>- Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank.</span></p><br><p><span>- Act within the limits of the powers delegated to the incumbent.</span></p><br><p><span>- Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.</span></p><br><p><strong><span>B. Customer (Internal &amp; External):</span></strong></p><br><p><span>- Liaise with Group divisions, departments, zone and branch management and other entities in identifying and confirming suspicious behavior and attempted fraud activity, thereby contributing to the Group’s goal of reducing and preventing losses incurred to the customer. </span></p><br><p><span>- Build and maintain strong and effective relationships with all related departments and units to achieve the Group’s goals and objectives.</span></p><br><p><span>- Liaise with Information Security personnel on issues pertaining to enhancements in, and problem-resolution of the Enterprise Fraud Management system</span></p><br><p><span>- Ensure adequate coverage of the Group’s operations/ activities to avoid being subject to any fines/ losses.</span></p><br><p><span>- Assist in providing ongoing advisory services and guidance on all fraud related matters to subsidiaries.</span></p><br><p><span>- Ensure proper communication and coordination with relevant departments and third-party vendors for fraud related projects.</span></p><br><p><span>- Provide timely and accurate information to internal / external auditors and external regulators (for the issues falling under his responsibility) as and when required to resolve the queries/ respond to issues raised by them:</span></p><br><p><span> Qatari Law</span></p><br><p><span> QCB Instructions</span></p><br><p><span> Professional Bodies and Associations recommendations </span></p><br><p><span> All relevant rules and regulations applicable to the overseas branches and subsidiaries.</span></p><br><p><span> Best Practices including UK Fraud Act, UK: The Fraud Review Report, UK Bribery Act, US SarbanesOxley Act, US FCPA, etc.</span></p><br><p><span>- To assist customers in all their queries on Bank’s product and seek solution to their requests.</span></p><br><p><span>- Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.</span></p><br><p><span>- Build and maintain strong/effective relationships with related departments/units to achieve the Group’s objectives.</span></p><br><p><span>- Provide timely/accurate data to External / Internal Auditors, Compliance, Financial Control and Risk when required.</span></p><br><p><strong><span>C. Internal (Process, Products, Regulatory)</span></strong></p><br><p><span>- Support the QNB Group Management to reduce the likelihood of a negative risk event by respecting and maintaining the fraud control infrastructure that sets the control consciousness of the Department.</span></p><br><p><span>- Provide analysis on the performance of parameters to support management in ensuring the appropriateness of rules in response to emerging or previously undetected suspicious and fraudulent behavior, recommending changes or enhancements where necessary.</span></p><br><p><span>- Ensure that an appropriate fraud deterrence framework is in place to protect the group from any risk event.</span></p><br><p><span>- Establish, initiate and be the custodian of all the Group policies dedicated to prevent and detect fraud activities.</span></p><br><p><span>- Assist the Vice President of Anti-Fraud Assurance and Strategy in providing Compliance Anti-Fraud services / advice to all the business lines.</span></p><br><p><span>- Advise on the implementation of fraud risk management and control practices within the organization.</span></p><br><p><span>- Assist the Vice President of Anti-Fraud Assurance and Strategy in the development of the compliance plan and the Compliance and policies manuals for approval by the Group Board Audit &amp; Compliance Committee.</span></p><br><p><span>- Identify on timely basis, the regulatory changes (locally / International) that impact the Group’s compliance risk to enable timely update of the referenced charter, plan and policy manuals.</span></p><br><p><span>- Report on a regular basis to the Vice President of Anti-Fraud Assurance and Strategy regarding noncompliance risks, identified frauds and corrective action taken pertaining to the Group’s activities, for onward reporting to the Group Board Audit &amp; Compliance Committee and Group Management Risk Committee.</span></p><br><p><span>- Forward all fraud suspicious incidents to the fraud investigations team for appropriate investigations.</span></p><br><p><span>- Maintain a track of all the fraud suspicious cases and follow up on the conclusions provided by the investigations team.</span></p><br><p><span>- Assist in preparing the Anti-Fraud training programs provided by Group Compliance and ensure there are continuously updated and in line with all the new applicable laws, regulations and best practices</span></p><br><p><span>- Take necessary actions to ensure all the new issued policies and procedures (when applicable) are embedded with appropriate key controls for fraud prevention and detection.</span></p><br><p><span>- Provide real-time ad hoc corrective actions and compliance advisory oversight for all business lines.</span></p><br><p><span>- Participate in issuing the studies, manuals on the new regulations, international standards, etc.</span></p><br><p><span>- Liaise with Group Human Capital to ensure the existence of appropriate awareness amongst personnel employed in the different entities on Fraud Control matters through provision of training courses, holding of seminars, etc.</span></p><br><p><span>- Perform fraud awareness studies on all the subjects and new regulations that directly impact the business and the bank activities and communicate the emerging issues along with the potential Fraud risks.</span></p><br><p><span>- React upon any risky events, news and developments that may impact business operations and management decisions;</span></p><br><p><span>- Maintain an updated inventory of suspected risk events, their status, impact and actions taken.</span></p><br><p><span>- Participate in establishing appropriate “Anti-Fraud” and anti-bribery culture within the Group.</span></p><br><p><span>- Participate in the enhancement and update of the fraud risk assessments on a regular basis.</span></p><br><p><span>- Maintain a feedback process to permanently readjust to the Fraud Risk Assessment strategy</span></p><br><p><span>- Defining and documenting mitigating controls and linking them to identified fraud risks.</span></p><br><p><span>- Suggest amendments to the existing controls, designing and implementing new preventive and detective controls as necessary, and implementing supporting technologies.</span></p><br><p><span>- Promoting the importance of the fraud risk management program and the organization’s position on fraud risk both internally and externally through corporate communications programs. </span></p><br><p><span>- Participate in designing and delivering fraud awareness training.</span></p><br><p><span>- Providing periodic evaluation of anti-fraud controls.</span></p><br><p><span>- Using independent evaluations of the fraud risk management program. </span></p><br><p><span>- Implementing technology to aid in continuous monitoring and detection activities.</span></p><br><p><strong><span>D. Learning &amp; Knowledge:</span></strong></p><br><p><span>- Assist the Vice President of Anti-Fraud Assurance and Strategy in facilitating an organizational Compliance Culture throughout the Group which reflects a commitment to compliance with the related laws and regulations.</span></p><br><p><span>- Assist the Vice President of Anti-Fraud Assurance and Strategy in the creation and management of the Compliance monitoring program and Compliance action tracker roadmap to ensure that a compliance culture is embedded within all aspects of the business.</span></p><br><p><span>- Ensure on-going development and implementation of the Group’s Code of Conduct and Compliance awareness.</span></p><br><p><span>- Assist in preparing the yearly training program to cover QNB Group Staff members;</span></p><br><p><span>- Assist in establishing new E-channels to build the awareness and knowledge among the Group staff members.</span></p><br><p><span>- Participate in developing and coordinating in a multifaceted educational and training program and seeks to ensure that all appropriate employees and management are knowledgeable of, and comply with, applicable laws and regulations.</span></p><br><p><span>- Liaise with Training Department on Fraud matters through provision of training courses, seminars, etc.</span></p><br><p><span>- Proactively identify areas for professional development of self and undertake development activities.</span></p><br><p><span>- Seek out opportunities to remain current with all developments in professional field.</span></p><br><p><span>- Hold meetings with staff and assess their performance and your team's overall performance on a regular basis.</span></p><br><p><span>- Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members.</span></p><br><p><strong><span>E. Legal, Regulatory, and Risk Framework Responsibilities:</span></strong></p><br><p><span>- Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).</span></p><br><p><span>- Understand and effectively perform your role under the Three Lines of Defense principle to identify measure, monitor, manage and report risks.</span></p><br><p><span>- Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.</span></p><br><p><span>- Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.</span></p><br><p><span>- Maintain appropriate knowledge to ensure full qualification to undertake the role.</span></p><br><p><span>- Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.</span></p><br><p><span>- Attend mandatory (internal and external) seminars as instructed by the Bank.</span></p><br> <br> <br><br> Education/Experience Requirements: <br> <p><span>- Bachelor's degree with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration, Business Information Systems or Information Technology (related field of study) with professional qualifications such as CFE / CIA / CRMA / CAMS / CICA. </span></p><br><p><span>- A minimum of 8 years’ experience in a major banking institution or in a consultancy firm, out of which 4 years should be in Compliance or in Internal Audit.</span></p><br> <br> <br> </div>