• Operational Risk

    at Attijari Bank

    October 2019 - at Present

    Gouvernorat de Tunis

    • Working with Operations line management to strengthen the control environment and improve control culture and practices

  • Deputy Head of Risk

    at MFSA – Malta

    February 2019 - August 2019

    Gouvernorat de Tunis

    • Implementing of the Enterprise Risk Management (ERM) Framework for the MFSA • Assist heads of departments in identifying key risks and ensure that adequate controls are in place • Developing the Risk Appetite for the MFSA

  • Head of Operational Risk

    at Attijari Bank

    January 2016 - January 2019

    Gouvernorat de Tunis

    • Implemented a network of local operational risk managers (13 LORM) in various operational units with a functional reporting line • Developed the Risk Map of the Bank and monitored the implementation of action plans to address medium and red key risk indicators and reported monthly to Committee (ORM Committee, Board of Directors, Risk Committee) • Working with Operations line management to strengthen the control environment and improve control culture and practices • Updated Operational Risk Policy to ensure internal policy compliance with best practices

  • Senior Director : Internal Audit

    at Attijari Bank

    January 2012 - January 2016

    Gouvernorat de Tunis

    • Designed and implemented organization risk-based Internal Audit Plan • Evaluated the effectiveness of internal controls and identified potential process improvement opportunities • Performed special assignment at the request of the Board of Directors, Audit Committee • Conducted financial, compliance, information system, fraud and operational audits resulting in improved controls and operating efficiencies • Identified redundant and unnecessary functions in an operational audit of recovery department • Supervisor staff auditors and audit engagement

  • Senior Director : Implementation of Loan Recovery Department

    at Attijari Bank

    January 2009 - January 2012

    Gouvernorat de Tunis

    • Defined and applied a new methodology • Expanded swift recovery and the coordination of activities between the branches and the recovery department and hired a team of 20 managers

  • Director : Managing a portfolio of projects

    at Attijari Bank

    January 2007 - January 2009

    Gouvernorat de Tunis

    • Program management of Intilaq (Major Bank Transformation Program) : 230 projects, 12 departments with the support of Accenture • Managed seven departments (75 projects) such as Human Resources, Logistics, Finance, Risk, Audit, Recovery and Legal. • Managed all potential risks within the project with proffer solutions.

  • Project Manager

    at Amen Bank

    March 2002 - December 2006

    Gouvernorat de Tunis

    • Implemented a Global Banking system (Symbols) • Reengineered the business processes for banking services in order to determine gaps and implement improvements

  • Project Manager

    at Nortel Networks

    February 2000 - December 2001


    • Led the Fiber Optics Projects for Bell Canada/ Nexxia • Reviewed the Fiber Optics Networks in order to determine any potential problems before the go live date


  • MBA

    at Laval University

    1996 - 1998 (2 years) Québec

  • Bachelot in Finance

    at ISG

    1991 - 1995 (4 years) Gouvernorat de Tunis


  • English Native