Hamza Bawadi

Results-driven Fraud Risk Manager with 10+ years of progressive experience in banking, financial crime compliance, fraud prevention & detection, AML, sanctions, investigations, and risk management within leading regional banks. Proven expertise in developing fraud control frameworks, leading complex investigations, strengthening compliance governance, implementing AI-driven fraud controls and proactive fraud monitoring solutions across retail, corporate, cards, SWIFT, and digital banking channels. Extensive experience in designing and optimizing fraud scenarios and monitoring rules for cards, SWIFT and transactions.

Recognized for driving fraud control optimization, leveraging AI-driven analytics, and delivering actionable risk insights to senior management. Holder of multiple globally recognized certifications including CFE, CFCS, CCAS, CAMS, and CCM.

Fraud Risk Manager at Jordan Ahli Bank (2025-02 – Present)

• Lead enterprise-wide fraud risk management framework across banking channels including digital banking, cards & SWIFT.
• Design and execute fraud prevention strategies aligned with regulatory expectations and risk appetite.
• Drive continuous enhancement of fraud controls through identification of emerging fraud trends and typologies.
• Lead fraud governance activities, ensuring alignment with Compliance, Operational Risk, and Internal Audit requirements.
• Lead high-impact fraud investigations (internal and external) ensuring timely containment, resolution, and escalation.
• Design, implement, and optimize fraud detection scenarios across cards, SWIFT, and digital banking fraud systems.
• Enhance fraud detection capabilities via advanced analytics, fraud monitoring technologies, and predictive risk indicators.
• Strengthen fraud data governance through centralized intelligence analysis.
• Deliver executive-level fraud risk reporting to senior management and regulators.
• Lead fraud awareness and training programs across business units.
• Partner with IT, Compliance, Legal, Operations, and Audit to enhance fraud controls.
• Review high-risk contracts, transactions, and third-party relationships from a fraud risk perspective.
• Analyze and mitigate emerging fraud risks across digital banking channels and customer activities.

Compliance & Financial Crime Specialist (Assistant Manager) at Bank ABC (2023-06 – 2025-02)

• Conducted complex investigations across fraud, AML, sanctions, and suspicious transactions with regulatory escalation.
• Performed advanced analysis of financial transactions to identify unusual, suspicious and structured activity.
• Ensured accuracy of transaction documentation and compliance reporting requirements.
• Led sanctions screening and alert investigations using SafeWatch and Siron systems.
• Reviewed and enhanced onboarding and KYC processes for high-risk customers.
• Prepared AML, ABAC, EWRA, and compliance risk reports for senior management.
• Conducted compliance control testing under Group CMAT framework.
• Performed gap analysis between updated and legacy financial crime policies.
• Supported sanctions enforcement actions including account freezing and fund blocking.
• Assisted in improving sanctions alert handling and escalation processes.
• Contributed to strengthening fraud and sanctions awareness across business units.
• Supported optimization of financial crime systems and operational controls.
• Delivered monthly reports on suspicious activities and emerging financial crime risks.

Senior Compliance Officer at ABC Investments / Bank ABC (2021-02 – 2023-06)

• Managed compliance monitoring across operational and investment activities ensuring adherence to regulatory and internal policies.
• Reviewed customer files, risk ratings, and onboarding documentation to ensure regulatory compliance.
• Performed compliance policy testing and internal control reviews under Group compliance frameworks.
• Investigated sanctions-related alerts and escalations, ensuring timely review and appropriate action.
• Ensured adherence to AML, Sanctions, and regulatory requirements across onboarding and periodic review processes.
• Prepared suspicious activity reports, compliance summaries, and management-level risk reporting.
• Conducted gap analysis between updated Group standards and existing procedures to ensure regulatory alignment.
• Performed transaction monitoring and ensured proper documentation for financial activities, including structured transaction reporting.
• Monitored legislative and regulatory changes and supported implementation of updated compliance requirements.
• Coordinated with business units to ensure regulatory obligations were met and embedded into operational processes.
• Developed and contributed to compliance policies and procedures to strengthen governance framework.
• Supported sanctions compliance processes including alert handling, escalation, and resolution.
• Assisted in implementation and optimization of sanctions screening systems and compliance tools.
• Produced monthly analytical reports highlighting suspicious transactions, trigger events, and emerging risks.

Credit & Internal Control Senior Officer at ABC Investments / Bank ABC (2019-06 – 2021-02)

• Conducted credit analysis for corporate and retail financing applications in line with bank policies and risk frameworks.
• Evaluated financial statements and prepared credit recommendations for senior management approval.
• Managed IFRS 9 staging and expected credit loss (ECL) assessments for credit portfolios.
• Monitored investment transactions and assessed exposure across local and international markets.
• Evaluated foreign exchange (FX) and operational risks impacting financial assets and portfolios.
• Produced analytical reports supporting credit decisions, financing structures, and investment strategies.
• Analyzed client financial performance across annual and semi-annual statements to support risk-based decisions.
• Supported monitoring of asset-liability positions and financing structure implementation.
• Followed market developments and financial trends to support investment and credit decision-making processes.

Holding Accounts & Blacklisted Senior Officer at Housing Bank for Trade & Finance (2017-12 – 2019-05)

• Managed judicial holds, blacklisted accounts, and regulatory restrictions in line with court and regulatory requirements.
• Performed customer screening, due diligence, and enhanced verification for high-risk accounts.
• Ensured compliance with judicial, regulatory, and internal control requirements across restricted accounts.
• Reviewed high-risk customer files and supporting documentation to ensure completeness and regulatory adherence.
• Processed credit requests and performed risk analysis using internal banking systems.
• Updated and submitted credit and risk data to CBJ systems on a monthly basis after validation.
• Ensured strict compliance with regulatory, judicial, and internal blacklist monitoring requirements.
• Verified due diligence standards for high-risk clients and ensured proper documentation and risk classification.

VIP Customer Service Officer at Housing Bank for Trade & Finance (2015-11 – 2017-12)

• Managed relationships with VIP banking clients, ensuring high-quality service and long-term engagement.
• Delivered premium banking services and tailored financial solutions to meet client needs.
• Contributed to branch performance targets through proactive sales and service excellence.

Remittance Officer at Abu Sheikha Exchange Company (2015-03 – 2015-11)

• Processed domestic and international remittance transactions.
• Ensured compliance with operational controls and customer verification standards.

Master of Finance in Finance – Al-Balqa Applied University (2021)

Bachelor of Banking & Financial Sciences in Banking & Financial Sciences – Al-Balqa Applied University (2015)