Rita Chalhoub M.Econ.- Lead Auditor FSSC-ISO

Experience

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  Société Générale de Banque au Liban SAL

  Feb 2007 - Sept 2008

  Teller - Customer services

  My responsibilities include : (1) Receipt and count working cash, (2) Identify customers, validate and cash checks, (3) Accept cash and checks for deposit, (4) Process cash withdrawals, (5) Perform specialized tasks such as preparing cashier's checks , issuing traveler's checks and exchanging foreign currency, (6) Perform services for customers such as ordering bank cards and checks (7) Receive and verify loan payments, mortgage payments and utility bill payments, (8) Record all transactions promptly, accurately and in compliance with Bank procedures, (9) Balance currency, cash and checks in cash drawer at end of each shift, (10) Answer inquiries regarding checking and savings accounts and other Bank related products, (11) Attempt to resolve issues and problems with customer's accounts, (12) Explain, advise on and promote bank products and services to customers and, (13) Deal directly with customers either by telephone, electronically or face to face, (14) Respond promptly to customer inquiries, (15) Handle and resolve customer complaints, (16) Obtain and evaluate all relevant information to handle product and service inquiries, (17) Provide pricing and delivery information, (18) Perform customer verification, (19) Set up new customer accounts, (20) Process orders, forms, applications and requests, (21) Organize workflow to meet customer time frames, (22) Direct requests and unresolved issues to the designated resource, (23) Manage customers' accounts, (24) Keep records of customer interactions and transactions, (25) Record details of inquiries, comments and complaints, (26) Record details of actions taken, (27) Prepare and distribute customer activity reports, (28) Maintain customer databases, (29) Manage administration, (30) Communicate and coordinate with internal departments, (31) Follow up on customer interactions, (32) Offer Insurance services, (33) Offer Loans to Customer (Car Loan, Home Loan, Personal Loan), (34) Offer Bank Cards (Credit and Debit Cards). Show less

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  Banque BEMO sal

  Jan 2010 - Apr 2017

  Tasks/Responsibilities:1- Establish a program of Internal Control review for all the Bank's departments/Units (Internal Control checklists-ICCs, Visits);2- Evaluate the ICCs and the visits results to assess the efficiency and effectiveness of the Internal Control measures;3- Recommend enhancements for the established internal control measures, if need be;4- Follow on the proper implementation of the internal and external audit recommendations and the regulators recommendations;5- Review and evaluate the present departmental procedure etc. Show less My responsibilities include: (1) Executing audit tasks (planning for missions, audit programs, observations, interviewing auditee, report writing and exit meeting) based on a risk-based annual Audit Plan. The audit missions I was part of: Branches, Transfers Desk, Legal Compliance Unit, Capital Adequacy Ratio, Risk Management, AML-CFT Department, Internal Control Unit, Securities Support Desk, Treasury support Desk, Cards' Management Department, Trade Finance Department, Asset Management Department(Front Desk), Corporate Department, Corporate Governance guidelines (3) Following-up with auditee on outstanding audit recommendations, (4) Updating the department’s charter and procedures. Show less My responsibilities include (1) Write-up credit files and present to the department head, Risk Management, the ALCO then to the Board of Directors for review and approval. (Credit Files must contain a study on the country risk of the correspondent, a general overview on the Correspondent “establishment, location, network, management, ownership, rating…”, a financial study by referring to the key figures and financial statements of the correspondent) (2) Liaise with business units and operations to ensure all issues relating to banking relationships are effectively dealt with in a timely manner,(3)Independently complete KYC norms and other regulatory requirements, (4) Manage and enhance existing banking relationships,(5) Responsible for the opening and closing of Financial Institution accounts by coordinating with the accounting department, (6) Coordinate with the compliance and anti-Money Laundering department to complete AML/KYC questionnaires received from other Financial Institutions and to request from Correspondents KYC/AML information for the completion and the updating of files, (7) Preparing and updating the Standard Settlement Instructions and send them to the Correspondent Banks, (8) Responsible of all correspondences with other Financial Institutions (emails, letters, Fax, phone conversations) (9) Receiving and sending Authorized Signatories Booklets and related amendments.(10) Meeting with representatives of other Financial Institutions and preparing the Minutes of Meeting, (11) Update on a daily basis the Management on the World Banking News, (12) Manage administration. Show less

  • Internal Control Officer

    Feb 2016 - Apr 2017

  • Internal Auditor

    Oct 2012 - Feb 2016

  • Financial Institutions analyst

    Jan 2010 - Oct 2012
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  Bank Audi

  May 2017 - Nov 2021

  Internal Auditor

  Internal Audit - Corporate & Commercial banking, my responsibilities being in general: establishing audit programs, reviewing processes, performing control testing, assessing the effectiveniss and availability of control mechanisms, drafting audit reports, meet with auditee for opening and exit meetings, following-up with auditee on outstanding audit recommendations.Major audit missions being:1.Review of Credit files:- Assessing quality of credit portfolio- Ensuring abidance by internal policies & procedures and regulators requirements- Assessing if risks related to the extended credit were properly assessed- Ensuring that audited financial statements were timely collected and properly assessed- Ensuring that approvals on facilities are obtained according to the Bank's internal authority limits- Ensuring that loan utilization is in conformity with the loan purpose- Ensuring that credit risk rating classification is complying with regulator requirements- Assessing quality and enforceability of collaterals- checking if credit file documents are properly collected and maintained for audit trail- Ensuring that legal opinion and legal documents were obtained- Ensuring proper signature of contrats by authorized persons2. Review accounts showing hardcore, overdrawn balances or excesses over authorized limits, and assessing client's repayment capacities and settlement plans.3. Review of doubtful, litigious and bad debts :- assessing the adequacy and sufficiency of the provisions taken- evaluating the effectiveness of the monitoring and follow-up processes- ensuring that debt write-off process (from balance sheet and off-balance sheet) complies with the regulator requirements4- Review of specialized loans granted as per regulator guidelines:- ascetain that these loans are granted in compliance with applicable rules- Ensure that financed amounts under these loans are backed by proper documentation- Assess the existence of proper monitoring tools. Show less

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  Kafalat S.A.L.

  Apr 2022 - Mar 2023

  Head of Internal Audit

  - Preparing and updating the basic documentation: Audit CommitteeCharter, Internal Audit Charter, Audit Universe, and Annual Audit Plan.- Coordinating and developing internal auditing processes;-Advising on the development and update of Departmental policies andprocedures;- Supervising and conducting independent audit reviews on:1. the company departments;2. the projects with International Donors (EU, World Bank etc.), managedby Kafalat through Project Management Teams including full-time and part-time members, by reviewing/assessing work processes, internalcontrol environment/measures, risks management, compliance withinternal and external rules- Conducting investigations on irregularities and errors;- Drafting Audit reports including audit observations and related risks, auditrecommendations on corrective measures and Auditee replies;- Performing follow-up missions to ensure timely and properimplementation of Assurance Providers (internal Auditors, externalAuditors, regulators) recommendations;- Functionally reporting to the Audit Committee by:1. Attending the Audit Committee meetings and submitting the auditreviews, audit investigation, audit follow-up missions etc. for theCommittee review2. Fulfilling the role of the Audit Committee Secretary by preparing the Committee Agendas and writing the committee minutes of meeting. Show less

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  Brasserie Almaza Lebanon

  Apr 2023 - now

  Internal Audit Manager

  Audit reviews cover all the company' s functions and processes: HR department, Supply Chain functions: warehouse, packaging, brewing, procurement; Sales and Marketing functions, Finance Department, Export function etc.