Mohammad's CV
Mohammad Makki
Operations Leader | Fund Transfer
Profile summary
Experienced operations leader with 23 years of banking and retail management experience in Kuwait, specializing in fund transfer operations, risk control, and workflow automation. Proven background leading daily end-to-end local and international payment operations, managing AML, KYC, and sanctions screening controls, and directing digital migration initiatives. Committed to driving operational excellence, strengthening compliance, and leading teams.
Career highlights
Operations Management And Digital Migration: Reduced daily manual transaction volumes from 300 to 500 down to 80 to 140 over three years by migrating payroll and corporate payments to automated processing.
Compliance And Risk Oversight: Managed AML, KYC, and sanctions screening controls embedded in payment workflows while escalating exceptions and supporting transaction integrity and operational risk management.
System Implementation And Control: Served as the sole authorized user of the AFAQ system for its first two years following implementation to build hands-on expertise before wider expansion.
Key skills
Professional experience
Directs daily local and international fund transfer operations, reporting to executive leadership and guiding the performance of operations staff. Shapes compliance standards, internal policies, and CBK requirements while overseeing payment execution and operational risk management frameworks.
- Migrated payroll and corporate payments to automated processing, reducing daily manual transaction volumes from 300 to 500 down to 80 to 140 over a three year period.
- Evaluates operations staff performance, delivers structured training programs, and addresses performance gaps to strengthen control discipline.
- Constructs and manages a monthly executive operations dashboard tracking transaction volumes, performance trends, and manual to digital migration KPIs.
- Oversees AML, KYC, and sanctions screening controls embedded within payment workflows to escalate exceptions and support transaction integrity.
Steered fund transfer operations and internal control discipline to support audit readiness and minimize processing errors. Directed communication channels with SWIFT operations and global correspondent banks for payment exception resolution. Partnered with IT, Compliance, and Risk teams to deliver system updates addressing new regulatory requirements.
- Managed high-volume fund transfer operations while maintaining control discipline to support audit readiness.
- Resolved payment exceptions and operational issues through coordination with SWIFT operations and correspondent banks.
- Built early hands-on expertise as the sole authorized user of the AFAQ system for its first two years.
Guided high-value corporate and institutional fund transfer operations. Oversaw daily transaction execution workflows to maintain processing accuracy and timeliness.
- Executed corporate and institutional fund transfers, maintaining adherence to accuracy standards.
- Supported digital migration initiatives to reduce manual intervention in payment processing.
Managed core banking products, retail operations, transaction processing, and customer service while progressing through operational and customer facing banking roles.
- Processed daily transactions and managed account transfers for retail banking customers, maintaining accuracy across all operations.
- Provided customer service by addressing banking inquiries and guiding clients through core product offerings.
- Evaluated staff performance metrics across assigned retail locations.
- Managed financial results and inventory control procedures.
Education
- Expected Graduation: May 2027
- Graduated 2023
Certifications
Languages
Arabic · Native
English · Professional