antoinette sakr

• Direct and supervise branch auditors, and perform the audit fieldwork in branches while conducting on-the-job training for junior auditors • Perform follow-up reviews to ensure the adjustment by auditee as per audit recommendations while conducting special investigations (fraud, cash difference, etc.) • Prepare regular reports (audit year plan, audit committee reports, etc.) while providing recommendations on changes in policies, procedures and rules, and for enhancements to internal controls and business processes • Assist the Head of Department in preparing each mission’s appraisal, and prepare audit reports in English and French while ensuring that the branch adheres to internal policies, industry regulations, and legal requirements • In charge of special assignments for the credit departments, head and back-office audit since November 27, 2023 while collaborating with senior management to develop strategies for mitigating identified risks

• Prepared business requirements to all branches operations to be implemented in the program recently adopted by the bank (Equation) • Executed testing on all branches’ operations (opening of accounts screens, teller’s operations) to ensure conformity with business requirements and bank procedures and rules • Executed testing on certain critical procedures (dormant accounts, reserved amounts, interest rates, etc.) while identifying and analyzing discrepancies, inaccuracies, or anomalies in financial calculations • Maintained detailed documentation of testing procedures, results, and any issues identified while providing reports to management summarizing testing activities and outcomes

• Ensured that branch operations adhered to internal policies, regulatory requirements, and industry best practices while conducting regular audits to assess compliance with established procedures and guidelines • Performed comprehensive audits of branch operations, including cash handling, customer transactions, and account management processes while identifying and reporting any discrepancies, irregularities, or potential risks • Assessed operational risks within branch activities and collaborated with management to develop and implement risk mitigation strategies • Monitored the implementation of new policies and procedures within branches while providing guidance and training to branch staff to ensure a thorough understanding and adherence to policies

• Interacted with customers in person, over the phone, or through digital channels to address inquiries, resolve issues, and provide information about the bank's products and services • Assisted customers in selecting the most suitable products based on their financial needs while investigating and resolving customer issues, complaints, or concerns in a timely and effective manner • Provided information on promotions, special offers, and new products to encourage customer engagement while ensuring the accuracy and completeness of customer information in the bank's systems • Ensured compliance with regulatory requirements and bank policies in all customer interactions while staying informed about changes in banking regulations