Aya Emad

Experience

• 

  Almalnews

  Sept 2012 - Mar 2014

  Economic Editor

  o Analyzing financial statements for banks.o Following up interest rates and inflation rates.o Following up CBE’s foreign exchange, Treasury bills & bonds and deposits auctions.o Following up the newest products in both retail & credit sectors.

• 

  QNB Group

  Mar 2014 - now

  - Review and monitor the daily liquidity reports along with the Early Warning Indicators (EWI).- Responsible for preparing the ALCO presentation, pricing proposals and products follow up.-The main responsibile from the finance division for developing the recovery plan.- Responsible for preparing the liquidity gaps reports and stress test scenarios and analysing the results.-Prepare and review the BASEL III liquidity ratios (LCR & NSFR).The main responsibile for preparing the macroeconomic outlook, models, and assumptions that affect the balance sheet management and products pricing.-Developing and maintaining a macroeconomic model (VAR) used in forecasting the growth rates of loans and deposits in baseline and stress scenarios which is used in the budgeting process, ICAAP and stress tests.-Forecasting both headline and core inflation readings.-Ensure continues maintenance of models, assumptions and limits used in liquidity risk.-Obtain necessary financial/commercial information and data to accomplish the reporting/modelling needs from concerned departments/branches.• Preparing and maintaining the contingency funding plan to ensure that the liquidity of the bank is properly managed in a stress or crisis situation.-Ensure continues maintenance of risk models, assumptions, and limits related to liquidity risk.-Ensure that all relevant regulatory and internal ALM limits and thresholds are being respected.-Setting the bank’s limits and risk appetite for liquidity and capital.-Setting limits of the RCP EWI's.-Responsible for preparing the commentary analysis regarding liquidity positionin the risk committee memo.-Develop the annual studies for updating the EWI’s, stress assumptions, ladder, CFP. -Develop new ALM reports.-Ensure that the bank is complying with CBE regulation and Basel/international standards for Liquidity Risk and is adhering to bank policies and regulations.-Coach and train the new team members of the ALM Show less

  • ALM/Liquidity Risk and Capital Management Lead

    May 2024 - now

  • ALM/Liquidity Risk and Capital Management Senior Analyst

    Oct 2021 - May 2024

  • ALM/Liquidity Risk and Capital Management Analyst

    Apr 2017 - Oct 2021

  • Soft Recovery Senior Executive

    Mar 2017 - Apr 2017

  • Soft Recovery Executive

    Mar 2014 - Mar 2017