Mohamed MAOUAN
Riyadh,Saudi Arabia
Summary
Multilingual Business Analyst and Transformation Consultant with over 15 years of international expertise in banking, insurance, and data analytics across North America, MENA, and Europe. Proven track record in enhancing credit risk management, compliance operations, and AI-driven reporting within Agile frameworks. Skilled in converting intricate business requirements into practical solutions through data analysis and stakeholder engagement.
Overview
13
13
years of professional experience
Work History
Business Transformation Consultant / Business Analyst / Data Analyst
IBM Canada
Toronto, Canada
08.2023 - Current
- Delivered end-to-end transformation projects in P&C insurance, enhancing regulatory compliance using AI-driven tools.
- Acted as Deficiency Fees Coordinator; reconciled GISA penalty data, ensuring timely and accurate reporting.
- Spearheaded transition from legacy systems to modern statistical platforms, boosting governance and efficiency.
- Led cross-functional workshops and training to upskill teams on compliance standards and automation protocols.
- Developed and implemented transformation strategies to improve organizational processes.
- Led workshops to engage stakeholders in the transformation process.
Senior Auto Claims Adjuster
Intact Financial Corporation
Moncton, Canada
10.2022 - 08.2023
- Managed full lifecycle of auto claims, enhancing settlement accuracy via forensic assessments and negotiations.
- Trained and mentored new hires on policy compliance and effective client communication strategies.
- Collaborated with legal and appraiser teams to resolve complex claims, ensuring high customer satisfaction.
- Conducted in-person and remote assessments of vehicle damages for accurate claim valuation.
- Investigated auto accident claims to determine liability and coverage.
- Negotiated settlements with customers and lien holders paid out total loss settlements and obtained necessary documents to process titles for branding.
Licensed Insurance Advisor
TD Insurance
Moncton, Canada
03.2022 - 10.2022
- Explained coverage options to potential policyholders, answering questions or concerns.
- Negotiated with underwriters for better terms for customers.
- Performed periodic reviews of existing policies to ensure compliance with current regulations.
- Conducted meetings or phone calls with potential clients to present insurance policies and answer questions.
- Calculated premiums and established payment methods, receiving customer payments and issuing receipts.
Senior Credit Analyst
National Credit Recovery Inc.
Montréal, Canada
10.2021 - 03.2022
- Led fraud analysis and credit assessments, enhancing risk mitigation procedures for merchant portfolios.
- Implemented optimized workflows for credit limit decisions based on structured financial evaluation.
- Utilized automated underwriting and credit analysis systems to generate reports on applications, analyzing debt-to-income ratios and other metrics to assess applications.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Developed debt collection protocols applicable to delinquent accounts, defining timelines for courtesy calls and referral of problem accounts to debt collectors.
Corporate Credit Risk Executive
Banque Populaire
, Mauritius & Morocco
09.2020 - 09.2021
- Developed credit structuring strategies for corporate clients across Africa and Indian Ocean markets.
- Conducted macroeconomic scenario modeling to enhance portfolio risk tolerance assessments.
- Delegated tasks to staff, establishing priorities and measurable goals.
- Formulated business plans aligned with long-term strategic objectives.
- Utilized strong issue resolution and communication skills to strengthen client relationships.
- Managed productivity initiatives, overseeing budgets and accounts while coordinating schedules.
- Coordinated cross-functional teams to achieve high-quality results within strict deadlines.
Senior Credit Risk Analyst
Banque Populaire
Casablanca, Morocco
10.2018 - 09.2020
- Executed predictive financial modeling for corporate credit evaluation and risk scoring.
- Ensured compliance with evolving Basel III and IFRS9 standards in high-volume portfolios.
- Performed sector-specific research to understand risks and opportunities within industries.
- Managed workload to meet tight deadlines for credit analysis reports and loan decisioning.
- Collaborated with other departments such as legal, operations and technology to develop comprehensive solutions for managing risk exposure across multiple portfolios.
- Monitored existing loan accounts to identify potential delinquencies or defaults.
Private Banker
Banque Populaire
Casablanca, Morocco
03.2016 - 10.2018
- Managed investment portfolios for HNWIs, offering bespoke solutions across asset classes.
- Led wealth strategy sessions and regulatory due diligence for tailored financial products.
- Met needs of high net-worth individuals looking to manage assets.
- Implemented financial plans and insurance strategies specifically tailored to client's financial goals.
- Customized products and services to meet specific banking requirements.
- Identified opportunities to increase customer satisfaction by providing exceptional service.
- Analyzed client financial data to recommend personalized banking and investment solutions.
- Participated in seminars, webinars, conferences related to private banking industry updates and trends.
Trade Finance Manager
Banque Populaire
Casablanca, Morocco
10.2012 - 03.2016
- Structured trade finance instruments (LCs, collections, guarantees) for global clients.
- Directed onboarding and compliance training across junior teams and internal auditors.
- Negotiated terms with banks and other financial institutions to secure financing and optimize terms.
- Analyzed complex financial data and generated meaningful reports for senior management.
Education
Master's - Banking & Financial Engineering
Hassan II University
Morocco09-2013
Bachelor's - Operational Management
Mohamed I University
Morocco08-2011
Certificate of Higher Studies - Banking
CIFPB
Morocco, France01.2014
Principles and Practice of Insurance - CIP Course -
Insurance Institute of Canada
Canada03-2022
Diploma of the Spanish Language - Spanish Language
UNED
Spain01.2008
Skills
- Business Analysis
- Financial Consulting
- Credit & Trade Finance
- Data Analytics
- AML/KYC Compliance
- Reporting
- Agile
- Team training
- Cross-functional collaboration
- Customer service
- SQL
- Python
- Power BI
- Tableau
- Temenos Transact
- Data analysis
- Financial modeling
- AI implementation
- SAP
- Salesforce
- Guidewire
- JIRA
- Workday
- Oracle NetSuite
- Zoho Analytics
Technical Skills
Business Analysis, Financial Consulting, Credit & Trade Finance, Data Analytics, AML/KYC Compliance, Reporting, Agile/Waterfall, SQL, Python, Power BI, Tableau, T24, SAP, Salesforce, Guidewire, JIRA, Workday, Oracle NetSuite, Zoho Analytics
Languages
- Arabic (Native)
- French (Native)
- English (Fluent)
- Spanish (Fluent)
Volunteer Experience
- Junior Achievement Worldwide - Injaz Al Maghrib, Volunteer Trainer, 01/01/16, 01/01/20
- Peña Casa Madridista, Event Organizer & Member, 01/01/14, Present
Core Tools
- Microsoft Office
- SQL
- Python
- Power BI
- Salesforce
- SAP
- Temenos
- Guidewire
Personal Information
- Iqama Status: Transferable Sponsorship
- Age: 36
- Nationality: Canadian Moroccan
- Marital Status: Married
Languages
English
Native/ Bilingual
French
Native/ Bilingual
Arabic
Native/ Bilingual
Spanish
Native/ Bilingual
References
References available upon request.
Timeline
Business Transformation Consultant / Business Analyst / Data Analyst
IBM Canada
08.2023 - Current
Senior Auto Claims Adjuster
Intact Financial Corporation
10.2022 - 08.2023
Licensed Insurance Advisor
TD Insurance
03.2022 - 10.2022
Senior Credit Analyst
National Credit Recovery Inc.
10.2021 - 03.2022
Corporate Credit Risk Executive
Banque Populaire
09.2020 - 09.2021
Senior Credit Risk Analyst
Banque Populaire
10.2018 - 09.2020
Private Banker
Banque Populaire
03.2016 - 10.2018
Trade Finance Manager
Banque Populaire
10.2012 - 03.2016
Master's - Banking & Financial Engineering
Hassan II University
Bachelor's - Operational Management
Mohamed I University
Certificate of Higher Studies - Banking
CIFPB
Principles and Practice of Insurance - CIP Course -
Insurance Institute of Canada
Diploma of the Spanish Language - Spanish Language
UNED