Muath Alhadi

Aljazira Takaful is a listed insurance company licensed by the Saudi Central Bank (SAMA).Led to identify, quantify, report, and monitor enterprise risks. Called upon to serve as interdepartmental liaison, interfacing across business lines to mitigate risk to an acceptable level and ensure risk is not being overlooked, while also driving a positive risk culture and cost-efficient risk management. Reported directly to the Managing Director and represented the management in front of the Board Risk Committee and Board for the Risk Management remits. Directly responsible for 2 x Risk Officers and indirectly 13 Risk Coordinators.

• Approved and practiced framework and procedures for the risk management department and built an operational dashboard to monitor monthly results compared to targets.
• Issued and presented monthly internal reporting to management and quarterly and yearly external reporting to the Board Risk Committee, and the Board.
• Appointed as Chairman of the Cyber Security Risk Committee to supervise and report the exposure of the business to cyber vulnerabilities, data loss, network corruption, and corporate espionage.
• Assigned to partner in managing a transition project for acquiring a new company with a clear-cut order to review and report risk matters related to the steering committee.
• Presented semi-annual sessions on risk management awareness for sales consultants across all branches.

ALJUF is a closed joint-stock company under license by the Saudi Central Bank (SAMA). Oversaw the measurement, analysis, and management of market risk. Led team members to provide vital technical insight and perspective in implementing risk management systems/processes to minimize market risk. Reported to the Risk Management Director and managed 1 Risk Specialist

• Played an Instrumental role in controlling risk arising from a downsizing decision as Secretary of the Appeal Committee, incorporating the layoff of +1,000 employees, without any problems and fines from regulators.
• Issued weekly/monthly status reports compared to the results from company operations and targets.
• Highlighted risk linked to the financial model and contributed to improving the cost/reward outcomes of risk management.
• Organized and presented risk management awareness sessions for enterprise teams and facilitated communications among company departments.
• Analyzed and reviewed SMEs credit requests and delivered executive summary, which outlines the client’s profile, business operations (company/sector), and lending relationship history with the banks and other financial institutions.

Ma’aden is among the fastest-growing mining companies in the world and the largest multi-commodity mining and metals company in the Middle East. Provided an integral role in business performance, delivering vital financial analysis and insight. Represented the Finance department as a member of the bid committee.

• Informed senior-level decision-makers and business planners by providing detailed analysis and perspectives related to the sale of gold, copper, and zinc.
• Supported the Treasury in maintaining the business's liquidity at the accepted level and reporting the output of sale analysis to extend the choices for plans of deposits.
• Managed all stages of shipments, from inception to completion, and administrated insurance claims for miners’ equipment and labor.
• Instrumental role in maintaining the business's liquidity and mitigating risk by assisting the Treasury Officer in reporting the output of sale analysis to extend the choices for plans of deposits.
• Radically improved operational efficiency having developed an invoicing and inventory system for all metals, following the identification of an opportunity for improvement.

• Participated in establishing and managing trusts operation valued at US$100m.
• Prepared and presented quarterly and yearly financial reports within strict deadlines.
• Organized patrol meetings for each trust and presented the stance of the trust.
• Presented an idea for financial literacy with the Managing Director entitled “Financial Freedom.”

Worked as a VIP Customer Representative for a men’s fashion retailer. Then, I started with co-op training as an Accountant for Ismail Abudawood Co Ltd, with a broad remit, including financial analysis for example, prepared business travel expenses, and solved problems in reconciliations with internal and external parties. Subsequently, I joined the Saudi British Bank, as a Support Corporate Officer.