Ghaith Mohammad Mahmoud Nuseirat

• Submission MLRO AML / CFT periodically and continuously, conducting monthly meetings, issuing forms and monthly reports, and making periodic field visits to all of the company's branches and agents. • Follow up the circulars issued by the regulatory authorities (Central Bank of Jordan, Anti-Money Laundering Unit, FATF, MENAFATF, UK, UN, OFAC, LOCAL, and Others), and issuing internal notes in line with the instructions of the Central Bank. • Update policies and procedures periodically and continuously based on local and international updates, and update of private and international lists, classification of countries, lists of local and foreign politicians, and blacklists. • Studying and analyzing customer files and movements, following up employees periodically, build scenarios and how to deal with them, and update the automated system continuously. • Submit notification reports to the Anti- Money Laundering & Counter Terrorist Financing Unit immediately regarding transaction or activities (SAR & STR) suspected of being linked to money laundering or financing terrorism, whether this operation was completed or not, including all data related to operations or activities. • Monitoring and implementing the procedures stipulated in the law and instructions for combating money laundering and terrorist financing and any circulars or directives from the supervisory authorities in this regard. • Coordinating with the regulatory authorities such as the (AML & CTF Unit and CBJ) to obtain any updates on laws and instructions, including new cases discovered in money laundering transactions with the aim of benefiting from them in combating and preventing such cases. • Reviewing the reports of the regulatory authorities, such as the Central Bank of Jordan and the external auditor, regarding the results of their audit regarding the adequacy of anti-money laundering and terrorist financing procedures in the company. • Follow up the implementation of the approved training plan in the company, update it, and provide special training courses in the field of combating money laundering and terrorist financing on a regular and continuous basis for employees. • Dealing with all activities in the company on the basis of an approach based on risk assessment to ensure the continuity of the company's work properly, in addition to the sub-agents of the company inside or outside Jordan. • Fill out all questionnaires, whether from agents, banks, international bodies, or global models such as Wolfs-burg Group and others. Updating (KYC, EDD, CDD, KYE) models and introducing employees to who is the real beneficiary, and distinguishing between a legal person and a natural person

• Audit on all transactions in the department and reconciliation of financial accounts statements, including bank statements. • Analyzing financial statements, on a monthly, quarterly and annual basis, preparing all financial reports and, providing summaries and reports on the financial situation. • Develop a growth strategy focused both on financial gain and customer satisfaction, conduct research to identify new markets and customer needs, arrange business meetings with prospective clients. • Audit salaries, bonuses and discounts for workers and employees according to the management’s decision, in addition to following up and organizing the administrative work in the company. • Follow up on all internal projects (Factory, Hotels, Services, Construction, and Precast) and external projects (Aramco, Neom, and Governments). • Follow up the accounting entries that were entered by the accountants (Assets, Revenue, Expenses, and others), and the general ledger. • Follow up the percentages of completion with the site engineer, preparation of supply extracts for materials, and periodic follow-up to the every period. • Follow accounting standards, financial reporting guidelines, and keep up to date with legislation and professional standards, and preparing zakat, tax and customs reports. • Direct follow-up with banks, suppliers, and contracting parties on an ongoing and periodic basis.

• Analyze risks and approve or reject loan requests, preparing loan applications, evaluating clients’ financial information, calculating risk ratios and giving final approval based on credit analysis. • Cross-sells our products by answering inquiries, informing customers of new services and product promotions, ascertaining customers’ needs. • Tracking, recording, reporting, and storing information related to transactions, customers, ensuring all information is accurate and complete, and review loan requests and assess client’s financial status. • Informing customers about our products and services, Identify and assess customers’ needs to achieve satisfaction, and generate sales leads. • Follow up with clients about loan renewals, and monitor progress of existing loans. • Contributes to team effort by accomplishing related results as needed.

• Ensure efficient identification and monitoring of activities and transactions considered suspicious, collect documentary proof, build and maintain case files for transactions deemed suspicious, full knowledge of AML system and (Sar's & Str's) reports and manage CRP system MoneyGram. • Ensure KYC/KYA files are accurate, complete and well substantiated and completed within the specified time, frame and review and KYC process, due diligence and enhanced due diligence requests for individuals and companies. • Regularly auditing company procedures, practices, and documents to identify possible weaknesses or risk and assess company operations to determine risk compliance and adopting a risk-based approach. • Keep a record of the Voucher mistakes and other compliance related errors made in the transactions and correct the employee by giving adequate training to the employee. • Follow-up Central bank, AML unit and others monthly report and periodic analysis of repeat customers, And responding to inquiries from official institutions. • Implement and manage an effective legal compliance program, develop, and review company's AML policies. • Advise management on the company's compliance with laws and regulations through detailed reports. • Create and manage effective action plans in response to audit discoveries and compliance violations. • Investigate and assess alerts relating to potential money laundering risks in the organization.

• Establish, review, implement and maintain effective Compliance and Anti-Money Laundering (AML) policies, procedures, systems, and controls in compliance with applicable Compliance and AML regulations and the organization’s KYC/AML standards. • Identify, assess, and implement all relevant new legal and regulatory developments within the compliance framework. • Establish and maintain an appropriate compliance and AML training program and adequate awareness arrangements for employees. • Perform daily review, monitoring, and analysis of transaction alerts using internal data to identify trends and unusual activity, to determinate if the transactions are suspicious in nature. • Acting as the point of contact to receive internal AML Suspicious Transaction Reports (SARs) from Employees, Taking appropriate action following the receipt of an internal Suspicious Transaction Report (such as circumstances investigation, determination and making (if needed) the external suspicious transaction report). • Keep pace with developments in AML/CFT laws and regulations, trends, techniques, and update indicators of money laundering or terrorist financing. • Receiving and acting upon any relevant findings, recommendations, guidance, directives, resolutions, sanctions, notices, or other conclusions as second line of defense.

• Work on marketing and selling the bank's products (loans, saving accounts, current accounts, credit card, prepaid card, cds, tds and a register clients in bank application, etc.), attracting clients, thorough knowledge of all policies and processes continuously in order to achieve and superior client on-boarding. • ATM feeding, register the cards held at the ATM, instruct clients to use ATM's for withdrawal and deposit purposes, follow up on mobile ATM business when needed, use the bank application to pay bills, send wire transfers, western union transfers and make bank transactions through it. • Strong communicating with clients in bank and through the bank's phones to follow their needs, facilitate services for them, and Carry out field visits to effective attract clients consistently, keep focus client, ensure excellent service by delivering quality client onboarding. • Achieve monthly & annual set KPI objectives, sales and revenue objectives for all Products as per set the business plan, attracting clients new to bank along with leveraging existing clients base and focus on CASA. • Adhere to risk control assessment (RCA) process across all areas of business banking sales department - Selling, client on-boarding, fraud control, client application and KYC documentation. • Ensure participation in assigned training, learning and development programs for understand resolve and escalate client redresses to ensure timely resolution. • Offering products and services transparently as per client requirements, and Leverage on cross sell opportunities to ensure higher revenue per Client. • Performing withdrawals and deposits, perform checks, issue certified bank checks, and collection of electronic clearing checks (ECC). • Inventory and cash settlement in the fund and in the main and secondary cash clearing and ATMs and ensure matching balances. • Ensure strict adherence to all KYC, compliance policies and prescribed Sales other processes as stipulated, as per bank's policies

• Follow up on audits completely on time , submit reports of the audit manager, analyzing and presenting audit results and finding ways to increase efficiency. • Proficiency in the process of reviewing periodically and regularly for various activities and making recommendations. • Determine the extent to which the project adheres to governmental, social requirements and taxation law. • Writing the accounting entries correctly and detect mistakes and prevent their recurrence. • Accuracy in dealing with accounting operations, postings, and tax accounting operations. • The ability to provide programs to reduce costs and establish the necessary procedures. • Follow-up tax transactions in the general tax department