Youness El Kandoussi

• Enterprise Risk Management Implementation and monitoring • Market Risk monitoring • Credit Risk Analysis • Credit Compliance • Operational Risk (Risk Assessments and Controls implementation) o Operational Risk monitoring Implementing Operational Risk Framework: RCSA, KRI's Loss Data Collection Process and Procedures Review. System Risks analysis

Assisting Risk Manager (with the assistance of three subordinates) in Market and Operational Risk monitoring (All aspects). VAR and Liquidity Risk Monitoring and reporting o Ensuring compliance to CBK regulations and Rules and Basel II requirements of Capital Adequacy, o Implementing Operational Risk Framework: RCSA, KRI's Loss Data Collection  Projects involved in: o Implementation of Enterprise Risk Management – Market, Credit, Operational Risks - System (Sungard-Bancware and Sword Systems) Sponsored by

Assisting Operational Risk Manager in Operational Risk monitoring (All aspects). Implementing Operational Risk Framework: RCSA, KRI's Loss Data Collection o Process and Procedures Review as requested by other department, or as initiated by the OpsRisk Unit. o System Risks analysis o Ensuring compliance to CBK regulations and Rules and Basel II requirements ob Capital Adequacy,  Also have been handling: o Market Risk Reporting o Credit Risk Analysis (Corporate Loans) o Credit Compliance (Retail Loans and co