Ragheb Nihad Hamdan has over 20 years of experience in banking and risk management. He holds an MBA and certifications in risk management and anti-money laundering. Currently he is the Head of Risk Management at Housing Bank for Trade and Finance, where he oversees credit, market, liquidity, and operational risk management. Previously he held risk management and compliance roles at other banks.

1. C.V.
Name : Ragheb Nihad Hamdan (MBA, CAMS)
Telephone : 00972 2-2423713
Mobile : 00972 599 672097
E- Mail : ragheb1999@gmail.com
Languages : Native Speaker of Arabic, fluent in English , and proficient in Hebrew
.
Education:
2006 MBA from Bir Zeit University:
- 90 % (A/ Excellent) in cumulative average.
- An English Thesis ,titled : Management of Troubled Credits at Banks
Operating In Palestine.
1991 Bachelor Degree in Accounting, the Faculty of Economics and
Commerce at Bir Zeit University :
- 82% (B+/ Very good) cumulative average.
- 86% (A/ Excellent) cumulative average in Major.
- Excellent degree in comprehensive exam in major.
Certifications:
2011 Risk Management Diploma - Arab Academy for Banking and Financial
Science in cooperation with The Institution for Banking Studies –Palestine.
2008 Certified Anti Money Laundering Specialist (CAMS).
2000 Becker Convisor CPA Review Course - USA.
Skills and Attributes Profile:
• Decision maker.
• Profound proactive and reactive audit experiences .
• Enhanced capacity to establish a thoughtful internal control systems and measures .
• High ability to work under pressure.
• Punctual and energetic.
• Competence, reliable, and accurate with numbers and texts.
• Skilled in programming using Business intelligence solutions : Discoverer and
Business Object .
Professional Experience:
The commencement if July 2014 to Present :
Head Of Risk Management Unit at Housing Bank for Trade and Finance –
Palestine Regional Management:
Credit Risk Management :
• Supervise and undertake portfolio analysis (Micro & Macro) to review portfolio
performance and to discover worming indicators on premise of supervisory
regulations and credit policy .
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2. • Support decision makers in making proper decision pertinent to credit portfolio
and in achieving financial and market share targets.
• Establishing comprehensive intelligent tools to pursue achievement of limits and
ratios addressed by Bank Risk Appetite .
• Basel II implementation supervisor who works with financial and credit centers to
map Balance Sheet Components and credit figures based on Basel II
recommendations.
• Implementing bank’s methodology and procedures related to Stress Testing
Scenarios measurement according to Supervisory regulations and Bank Policy.
• Implementing Bank Policy and methodology related to ICAAP .
• Liaising with supervisory in topics related to Risk Management .
Market and Liquidity Risk Management :
• Running Middle Office Procedures and supervising Reports that cover both
Market Risk and Liquidity Risk :
1. Earing at Risk,
2. DV0, Duration .
3. Gap Analysis Maturities and Interest Rate Maturities.
4. Positions and Limits Reports.
5. Foreign Currencies Investment Reports
6. Preparing other ALCO reports and data pertinent to Credit Risk, Liquidity
Risk and Market Risk .
• Monitoring Treasury Unit Conduct and performance on Premise of ALCO Policy
and Investment Policy .
• Implementing Stress Testing methodologies and scenarios related to Liquidity
Risk and Market Risk .
• Prepared ad hock and other regulatory reports periodically to identify
sound risk control measures.
Operational Risk :
• Implementing CRSA procedures to establish Risk Profile for each unit in the
Bank.
• Performing compliance tests and profile revision of Unit Risk indicators and
driver.
• Revising and commenting on new products and services on premise of Risk Policy
and Best Practices .
• Revision of new and old procedures .
• Handling loss events and near loss events according to predetermined criteria .
Continuity Plan :
• Creating and updating Crisis Management and Departmental Plans.
• Performing tests related to Alternate site and Disaster Recovery Plans.
• Suggesting manual procedures to handle mission critical and critical processes
and products.
• Cooperating with the specialized unit in General Management regarding
performing Disaster Recovery Site Examinations .
•
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3. Codes and Executive Authorities : Implementing and managing activities related to
codes and authorities on : Core Banking System , ATM , SMS, Internet Banking and
Western Union systems.
August 2009 to the Inception of July 2014:
Housing Bank for Trade and Finance-Regional Mgt. :Head of Risk and Compliance
Department:
• Putting into action procedures and activities to give an assurance that all banking
operations are in conformity with the Bank Compliance Policy and Regulatory
Guidelines.
• Performing tests and other procedures to protect the bank from Money Laundering
Activities and Criminal Activities. FATCA responsible officer.
• Handling all prerequisites and requirements to apply Foreign Accounts Tax Act
(FATCA) .
• Credit Risk Management including Stress Testing ,QIS, Portfolio Analysis , Early
Detection Alerts and other related activities.
• BASEL II Implementation Committee Coordinator.
• Market Risk and Liquidity Risk Management: EaR, DV01,Stress Testing, VaR, etc .
• Operational Risk Management including performing Control Risk Self Assessment
(CRSA) Procedures.
• Preparing and updating Business Continuity Plan for all Banks' Centers .
• Running and Handling Customers' Complaints affairs.
• Managing Employees' codes and authorities on the Core Banking System, Automated
Teller Machines, SMS System and Internet Banking.
• Liaising with internal as well as external parties including the supervisory authorities
in all subjects pertinent to Compliance and Risk Incumbencies.
• Member in Assets & Liabilities Committee ALCO.
• Oracle Discoverer and Business Object intelligence solutions programmer.
• Statistical Analysis System (SAS) user.
• With two employees and a manager , we managed to run a department that has
responsibilities covering a diversified range of Risk : Compliance, Anti Money
Laundering , Risk Management ,Customer Complaints and Coded . Most of credit
stemmed to the system that is composed of programs , inspection tools , and other
procedures I put into action to handle these responsibilities and duties.
The system is still working in both Risk and Compliance Units .
Feb.4th
,2007-August 2009 :Housing Bank for Trade and Finance-Regional Mgt.
The Compliance Officer:
• Checking up the degree of compliance with respect to regulatory authorities laws
and regulations.
• Suggesting Best Practices for top management.
• Performing Anti- Money Laundering Policies and Procedures.
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4. • Representing the bank against Palestinian Monetary Authority.
• Performing the training policy of the bank with regard Anti Money Laundering
issues as well as other compliance issues.
• Ranking operations , products, and customers from the risk perspective.
1st
of Oct.2001-3rd
of Feb.2007 - Palestine International Bank-General Mgt.
Main Auditor and Compliance Officer:
• Participating in establishing applicable and sound policies and procedures in the
audit dep.
• Auditing all divisions and departments of the Bank in all aspects of the Banking
Industry.
• Checking up and scrutinizing core computer system and financial statements.
• Evaluating bank’s internal control system and employees' discipline.
• Performing duties and responsibilities related to Compliance Officer as of May
2005.
January 5th
,1999-1st
of Oct., 2001- Palestinian International Bank - General Mgt.
Treasury Operation Officer and Accountant :
• Auditing and posting of all kinds of deals done with correspondent banks and
customers and checking Reuters conversations.
• Watching up the positions held by Treasury department and accounts with our
correspondent banks as well.
• Performing and signing all kinds of transactions implemented in the Financial
Department.
• Daily reporting to general management.
August 1st
,1997-4th
of January 1999 :
Arab Palestinian Investment Bank- Ramallah:
Settlement Officer and Accountant :
• Implementing and posting financial transactions using Peachtree program.
• Reconciliation of our accounts balances with other banks’ statements.
• Preparing the Palestinian Monetary Authority monthly reports.
• Preparing and auditing all financial reports for the Bank’s different departments.
August 1st
,1996 – July 31st
1997-
THE Housing Bank for Trade and Finance -Internal Auditor :
• Inspecting and monitoring the banking operations and activities in the following
departments:
- Depositing department .
- Credit and Facilities department.
4

5. - Administrative department.
Courses :
Many of specialized courses in all aspects of Banking , focused primarily on topics
related to Internal Control, Compliance , Auditing , Financial Management and Risk
Management.
Membership:
Member at Association of Certified Anti Money Laundering Specialist.
End of the C.V.
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6. - Administrative department.
Courses :
Many of specialized courses in all aspects of Banking , focused primarily on topics
related to Internal Control, Compliance , Auditing , Financial Management and Risk
Management.
Membership:
Member at Association of Certified Anti Money Laundering Specialist.
End of the C.V.
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