Meriam Ben Khalifa

I am a seasoned professional with a robust 14-year background in international banking operations, honing my expertise in Trade Finance at BTK-BPCE. Presently, I serve as a Middle Officer within the International Guarantees Department at BNP Paribas, a role I have embraced since April 2024. My career is marked by a deep-seated proficiency in Trade Finance, international guarantees, and comprehensive banking operations.

I am now eager to seek new challenges where I can deploy my extensive skill set and continue to drive success in the dynamic world of finance.

Middle Office international guarantees at ALFI - BNP Paribas, International Guarantees Department (2024-04 – Present)

• Issuing direct and indirect guarantees (SWIFT and letters of guarantees).
• Handling amendments, extensions, payments, claims, and customer advice.

Trade Finance Department at La Banque Tuniso-Koweitienne (BTK) – BPCE Group (2010-01 – Present)

• Managed import and export documentary collections and financial operations.
• Handled the opening, notification, follow-up, and settlement of transactions.
• Controlled and allocated incoming funds, ensuring compliance with banking procedures.
• Examined import and export documents in the context of Letters of Credit (client advisories, SWIFT issuance, document release).
• Managed international guarantees, including the opening of Letters of Credit, amendments, and settlements.
• Provided support to clients and relationship managers.
• Actively contributed to the development of bank procedures and job descriptions in collaboration with external consultants.
• Assisted other departments (accounting, compliance, etc.).
• Prepared quarterly and annual outstanding balances.
• Supported and assisted in the creation of the bank's new fee structure (Benchmarking, proposals, reporting).

Master's Degree (Bac +4) in International Trade – Ecole Supérieure de Commerce de Tunis (2005)