Rayane Kheladi

Finance professional with practical experience across banking operations, credit administration, insurance operations, financial reconciliation, and tax compliance. Gained hands-on exposure to exploitation loan processing and credit documentation at Al Salam Bank, followed by experience in insurance financial operations and regulatory compliance. Skilled in financial reconciliation, documentation review, accounts management, compliance support, and cross-functional coordination.

Holds a Master's degree in Finance, Banking & Insurance and seeks opportunities in banking operations, credit operations, financial services, and compliance within the UAE.

Banking Operations Intern — Exploitation Loans at Al Salam Bank Algeria (2024-03 – 2024-04)

• Supported the administrative processing and follow-up of exploitation loan applications.
• Reviewed customer and financing documentation to ensure completeness and accuracy.
• Assisted in organizing and verifying credit files in accordance with internal banking procedures.
• Supported the follow-up of financing requests and related documentation.
• Coordinated with banking staff throughout the loan processing workflow.
• Gained practical exposure to credit operations, financing procedures, customer documentation, and banking processes.

Insurance Operations Analyst at Compagnie Algérienne des Assurances (CAAT) (2024-04 – 2025-10)

• Managed premium reconciliation and accounts payable/receivable activities across property and casualty insurance policies.
• Reviewed financial and policy records to identify discrepancies and support account reconciliation.
• Coordinated with underwriting and claims teams to facilitate policy processing and resolve operational issues.
• Prepared monthly reconciliation reports and maintained financial and policy databases for management review.
• Supported regulatory compliance reviews and prepared documentation for insurance authority inspections.
• Processed tax-related requests and supported compliance with applicable regulations.

Tax Compliance Associate at Société Nationale d'Assurance (SAA) (2025-11)

• Performed tax account reconciliations and reviewed financial records for accuracy and compliance.
• Prepared documentation for tax reviews, regulatory inquiries, and audit requests.
• Coordinated required information and documentation for tax authority inquiries.
• Reviewed financial statements and related records for tax accuracy and regulatory alignment.

Administrative & Financial Coordinator at Entreprise Nationale des Travaux aux Puits (ENTP) (2026-04 – 2026-05)

• Supported financial administration and budget planning for HSE activities.
• Prepared financial and HSE reports for management review.
• Supported accounting activities and occupational accident insurance reconciliation.
• Assisted with financial planning, documentation, and reporting related to risk-management operations.

Master's Degree in Finance, Banking & Insurance – University of Kasdi Merbah, Ouargla, Algeria (2026)

Bachelor's Degree in Finance, Banking & Insurance – University of Kasdi Merbah, Ouargla, Algeria (2024)