Internal Control Officer- SME

- Job Purpose
- To strengthen the governance, risk management, and internal control framework across the Business Banking sales function.
- To ensure proactive identification, mitigation, and reporting of operational, conduct, and regulatory risks within the sales unit.
- To drive high standards of compliance, customer experience, and sales quality through effective monitoring, analytics, and control mechanisms.
- To support business growth by embedding a strong control culture without impacting sales productivity.
Key Result Areas
- Governance, Risk & Compliance

- Monitor adherence to internal policies, SOPs, SLAs, and regulatory requirements across sales channels.

- Identify, escalate, and track control gaps, operational risks, and compliance breaches.

- Support internal and external audits, ensuring timely closure of audit findings.

- Strengthen control frameworks aligned with regulatory expectations (CBUAE and internal compliance).

- Manage end-to-end customer complaints through CRM in coordination with Customer Care Unit.

- Investigate complaints related to mis-selling, service gaps, and fraud indicators.

- Conduct root cause analysis (RCSA) and drive corrective/preventive actions.

- Monitor lead management, onboarding quality, and documentation standards.

- Ensure adherence to KYC, AML, and onboarding standards.

- D. Reporting & Analytics

- Prepare and publish governance dashboards (MER, KPIs, risk indicators).

- E. Fraud Risk & Control

- Identify suspicious patterns and escalate potential fraud cases to Fraud & Investigation teams.

- Ensure strong preventive controls to minimize fraud exposure.

- F. Process Improvement & Optimization

- Regularly review and update SOPs, SLAs, and operating manuals.

- Partner with business, operations, and product teams to streamline processes.

- Promote digital adoption and process automation across sales and onboarding.

- G. Field Controls & Sales Governance

- Conduct periodic field visits and audits of sales units to ensure compliance (documentation, clean desk, record management).

- Monitor ONR (Open Non-Resolved issues) and ensure timely closure.

- Ensure proper handling of customer documents and adherence to data privacy standards.

- Track completion of mandatory trainings (compliance, AML, conduct).

- Conduct awareness sessions on governance, risk, and compliance topics.

- Drive a culture of accountability and ethical selling practices.

- Manage the Business Continuity for the Unit.

Operating Environment, Framework and Boundaries, Working Relationships
- Work closely with:
- Sales Teams (BDOs, Team Leaders, Managers)
- Customer Care Unit
- Compliance & Risk
- Fraud & Investigation Unit
- Operations & Product Teams
- Ensure effective coordination between business and control functions.

Monitor and manage user access controls and segregation of duties within systems.
Problem Solving
- RResolve complex customer complaints and operational issues with minimal escalation.

- Identify systemic issues and implement sustainable fixes rather than temporary solutions.

- Balance business objectives with risk and compliance requirements
Knowledge, Skills and Experience
- Recommend and implement process improvements and control enhancements.

- Escalate high-risk issues, fraud cases, and compliance breaches.

- Influence SLA definitions, governance frameworks, and reporting structures.

- Participate in projects related to sales transformation, onboarding, and controls.