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Enriching experience gained from working with top level organizations in UAE & Qatar in Audit,
Risk Management and Compliance hasgiven me a broader vision and understanding of the role that
internal audit and risk management hasand theimportance of flexibility and quick decisions. Having
strong and in-depth experience and educational background in Audit and Risk Management
encourages me to seek for more dynamic and challenging environment.
SUMMARY OF QUALIFICATIONS
 Bachelor of Administrative Sciences with a major of Business Administration.
Yarmouk University, Jordan
 Certified Internal Auditor (CIA)
 Financial Risk Manager (FRM), Level II
 Certification in Risk Management Assurance (CRMA)
 CPA preparation course (Passed - Financial Accounting & Reporting).
 Certified Financial Consultant (CFC).
 Certificate in Islamic Financial Standards (IFSB)
 Certified Credit Analyst.
PROFESSIONAL EXPERIENCE
Jan 2015 - to date Qatar First Bank (QFB) - Qatar
Current & Previous positions held with QFBinclude: Head ofInternal
Audit Department, Head ofInternal Audit& Compliance Department
and Head ofCompliance Department.
Reporting to : Chairman – Audit, Risk & Compliance Committee
I Joined QFB in Jan 2015 in order to establish & manage Internal Audit Department in line with
International StandardsforInternal Audit and best practices. Currently, managing both Internal
Audit and the Compliance Departments. Having strong Audit & Compliance experience.
Muath Ahmad Abdalla
MOBILE: 00974 66239856 Qatar
00971 55 7005989 UAE
muathabdalla@gmail.com

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Responsibilities:
Internal Audit
 To Establish the Internal Audit Department within QFB;
 To establish the Internal Audit Framework, documentation, budgets & resource
requirements in line with Board of Directors (Audit Committee) expectations,
International Standards for Internal Audit and Best Practices. This includes but not
limited to the following:
 Audit Committee Charter
 Internal Audit Charter
 Internal Audit Manual (Standard Operating Policies & procedures)
 Internal Audit Budget, Templates resources requirements
 Managing and building communications/relationships with external parties including
Regulators, External auditors and Internal Audit vendors (outsourced assignments)
Compliance
 To provide assurance to The Board and Audit, Risk and Compliance Committee that all
significant business, financial, operational compliance risks are effectively controlled
by Management;
 Coordinate with the CEO to develop functional strategies for the QFB’s Compliance
and AML functions;
 Identifying and assessing compliance with regulators rules and regulations to ensure
compliance and that compliance risk is properly mitigated through establishing and
implementing necessary controls;
 Provide independent appraisal of the Bank’s compliance with laws, regulations,
policies, procedures and set standards in order to ensure that business is conducted in
accordance within the framework of the applicable laws and regulations;
 Act as the MLRO for the bank; and
 Establishment, implementation and maintenance of adequate policies and procedures
sufficient to ensure compliance with regulators rules and regulations pertaining to
Compliance, AML and FATCA.
Detailed Job Responsibilities
Internal Audit
 Performing detailed Internal Audit - Risk Assessment of all QFB’s auditable entities
based on Internal Audit standards and best practices;
 Develop and execute Risk Based - Annual Audit Plan covering QFB auditable entities;
 Build professional, experienced and well trained audit team capable of adding value to
the Internal Audit Department and QFB;

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 Provide Guidance and on job training to Internal Audit Staff enabling them to perform
tasks as expected and enhance overall performance;
 Create positive & constructive awareness among QFB staff about audit & audit
function; and
 Preparing periodic reports to the Audit Committee and Board of Directors of major
audit observations during the period and management corrective actions.
Compliance
 Coordinate with the CEO to develop functional strategies for the QFB’s Compliance
and AML functions;
 Identifying and assessing compliance with regulators rules and regulations to ensure
that full compliance and that compliance risk is mitigated through establishing and
implementing necessary controls;
 Lead the identification and diagnosis of compliance requirement across QFB;
 Develops the compliance, FATCA and AML framework, policies, procedures and plans
for QFB in alignment with the strategic business requirements;
 Acts as an independent review and evaluation body to ensure that compliance/AML
issues/concerns within the organization are being appropriately evaluated, investigated
and resolved;
 Provide all the necessary support to QFB departments/divisions to full compliance
with regulatory requirements as and when required;
 Carrying out detailed/thorough and ongoing Risk and Compliance reviews;
 Manage all direct report staff to ensure meeting individual and departmental
objectives;
 Provided training to staff on Audit, Compliance, AML, risk management,
corporate governance and internal controls; and
 Conduct Special Investigations where requested by Management or the Chairman of
the Audit Committee.
Money Laundering Reporting Officer (MLRO)
 To ensure that QFB has effective systems & controls for compliance with requirements
& standards under the regulatory systems;
 QFB has ability to identify, assess, monitor and manage money laundering risk;
 QFB’s AML framework, policies, procedures, systems & controls are comprehensive &
appropriate Staff training & knowledge sharing.
Aug 2006 - Jan 2015 Sharjah Islamic Bank (SIB) - Sharjah, UAE
Current position : Head of Credit Audit Department
Reporting to : ChiefInternal Audit

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I Joined SIB in 2006 in order to establish and manage Credit and Investment Audit Department
as a separate function/department within the Internal Audit Division. During this period I had
actively participated in audit assignments and projects covering multiple business areas from the
planning through to thereport writing phase reviewing the effectivenessof risk management,Sharia’a
risk, and financial, operational & regulatory controls.
Responsibilities:
 Develop/Assist in developing annual audit plan based on risk assessment.
 Assist in developing internal audit budget and resource requirements.
 Assist in preparing policies and manual for the audit activities and executing its
technical and administrative functions.
 Conduct risk assessments, identify and evaluate risks and controls for
credit/investment related activities, operation departments and processes.
 Carrying out detailed/thorough and ongoing Risk and Compliance review of the
following areas and functions:
 Investment Group.
 Corporate Banking Group (CBG).
 Retail Banking Group (RBG) - credit related activities/functions.
 Credit Risk Management Division (CRMD).
 Recovery and collection Department.
 Credit Administration Department (CAD).
 Operation Departments related to above mentioned Groups and Divisions.
 Financial Control Division (FCD)
 Compliance with UAECB rules and regulations as well as Sharia’a Standards
 Review completeness & accuracy of reports prepared according to Basel II
accord.
 Adequacy and accuracy of Provisions.
 Review Investment Group, CBG and RBG activities, accounts and portfolio as well as
their related operation departments to evaluate and assess:
 Adequacy and efficiency of controls and risk management procedures over the credit
granting/investment processes & its related activities
 Compliance with credit SOPs, official laws & regulations & Sharia’a Standards
 Evaluating the overall performance and the quality of credit and investment portfolios.
 Develop and execute comprehensive audit programs for the evaluation of the controls
and risk management activities over all major credit and investment activities/areas.
Also its operational processes to ensure compliance with prescribed policies &
procedures, official laws and regulations. & Sharia’a Standards
 Review and prepare formal reports putting across opinions and views on the adequacy,
effectiveness and efficiency of risk management and controls activities and the
efficiency with which activities are carried out.

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 Provide executive management within the assigned location (or activity) with report on
audit coverage and the results of the audit activities and discussing deficiencies and
recommending corrective actions.
 Appraise the adequacy of actions taken by operating management to correct the
reported deficient conditions.
 Review and approve Policies and Procedures pertaining to CBG, RBG & Investment
Group (i.e. new products, products/processes changes...etc
 Provide training and guidance to Internal Audit staff to ensure high standards of work
are maintained.
 Manage, develop and motivate the Department's staff to ensure that high standard of
work are maintained, together with carrying out appraisals of their performance.
 Supervise and conduct surveys and Special Investigations, as needed.
June 2000 - Aug 2006 Abu Dhabi Islamic Bank (ADIB) - Sharjah,UAE
Job Title : Credit Officer
Responsibilities:
Experience with Abu Dhabi Islamic Bank includes working in various positions i.e. Credit Officer
(CBG & Commercial Banking), Credit Supervisor (RBG), Operation Supervisor and Senior Teller.
 Marketing the bank’s financial products, this involves meeting bank’s current and
potential clients (corporate clients-mainly real estate) and obtaining all required
information & documents.
 Preparing credit proposals which include analyzing customer’s financial statements
and the write up.
 Carrying out periodical and annual review of the customers’ facilities and customers’
accounts performance.
 Reviewing and Approving credit applications for the retail customers (Sharjah Branch).
Sep1998 - June 2000 Mashreq Bank – Abu Dhabi, UAE
Job Title : Counter Service Specialist
Reporting to : Branch Supervisor
Responsibilities:
 Carrying out day to day customers’ cash/cheques transactions
 Telex transfers
 Marketing the Banks’ products
AREAS OF STRENGTH

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Hands-on experience in Operational and financial Audit coupled with a strong knowledge of the
banking industry and financial & operational Risk & control activities. Have the aptitude to work
and communicate with Executive Management to improve and enhance the organization risk
awarenessand control environment. Also have thecapability to resolve and deal with conflicts and
provide solutions that can add value to the operations of the organization.
 Strong audit skills and knowledge of latest risk management methodologies and
best practices.
 Strong financial, accounting and analytical skills.
 Team leadership and ability to motivate and facilitate groups to achieve high
professional work standard.
 In-depth knowledge of bank’s products, standards and procedures, risk & risk
mitigation and controls activities.
 In-depth understanding of Islamic Banking and Sharia’a Standards.
 Thorough knowledge of Basel II Accord as well as IFSB standards and
reporting.
SPECIAL COURSES & TRAINING
 Audit, Compliance, and Risk Management
 Credit Management.
 Credit Risk modeling.
 Project Finance
 Basel II & III
 Credit and Financial analysis
 Trade Finance (Letter of Credit and Guarantees)
 Quality Management
 Customer Service
 General Computer and administrative Skills
SUMMARY
 Nationality: Jordanian
 Marital status: Married
 Date of Birth: Sep 15, 1976
 Current Position: Head of Internal Audit
 Company: Qatar First Bank
LANGUAGES
 Arabic : Mother Tongue
 English: Excellent Command of English Language (written and spoken).