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Job Summary / Introduction<br><br>Responsible for daily monitoring and processing of Settlement processes covering Domestic and Regional and International Market for equities, mutual funds, fixed income, hedge fund, structured funds, ETF, Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards.<br><br>Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets.<br><br>Communicate with many entities Clients, Counter parties, Markets, Sub Custodians, Regulators, Companies, Brokers, Paying Agents, Issuers covering Local, Regional, Global Markets, related to settlement process, support Due Diligence visits linking to Settlement process.<br><br>The incumbent is responsible for adhering to established quality control measures and procedures.<br><br>Responsible to provide the first level training for new specialists and will assist specialists in handling inquiries.<br><br>Handle the cash managements for the client to facilitate the smooth settlements across all markets.<br><br>Active participation in understanding the Operating module, including Securities Lending and Borrowing transactions, that are large in value and complex in nature, ensuring their successful settlement processing, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.<br><br>Current offering of Department: Position Management, Security/Cash Settlement, Corporate Actions, Reporting, Invoicing, Reconciliation, Swift, Market Security Movement, FX Management, Cash Management, Project Support, Proxy Services, Tax Reclaims, Income Management. Planned expansion into support of Securities Lending, Client Short Selling, Network Management Support, Claim Management, and other services.<br><br>Specialist will participate in section related projects such as system upgrade / changes, processing enhancements and off hours system testing.<br><br>Active participation in implementation of Settlement processing related to new clients SLA and SLD, Sub Custodian SLA, New Functions, Products, Market Rules Regulations and Procedures with relevant controls to provide highest level of client delivery.<br><br>Cope with market changes and subsequent upgradation of internal processes and to identify any potential risk and to create the appropriate controls.<br><br>Responsible to coordinate and work with various internal departments and external entitles and concerned persons as an integral part related to participation in Projects in order to Re-engineer the process for excellence client delivery and reduce manual activities.<br><br>Responsible for the end-to-end Settlements processing in accordance with regulatory and compliance requirements, with an increased focus on accurate and timely execution to enhance the client experience.<br><br>Key Responsibilities<br><br> Responsible for daily monitoring and processing of Settlement processes covering Domestic, Regional and International Markets for products like equities mutual funds, fixed income, hedge fund, structured funds, ETF Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards. Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets. Ensure to track and respond to internal and external clients' queries by providing clear detailed Settlement information in line with the relevant market rules and regulations and Settlement best practice. Responsible for communicating with various stakeholders like Markets, Sub Custodians, Agents, Companies, Depositories, Brokers, Issuers to ensure smooth accurate timely Settlement processing. Ensure that all trade related statuses reports/Instructions are communicated to all stake holders in timely manners. Responsible to have excellent knowledge related to Settlements swift messages and usages of the same. Demonstrates reliability by taking necessary actions to continuously meet required deadlines and goals. Articulates information clearly and presents information effectively and confidently when working with others. Convince others by making a strong case, bringing others along to their viewpoint; maintains strong, trusting relationships while at the same time is comfortable challenging ideas. Participation in section related projects, system changes and upgrades and new client’s requirements and implementation of sub custodian / client SLA<br><br>Review processes and suggest and implement changes to enhance client satisfaction and reduce manual intervention and reduce overall cost.<br><br> Cash / FX Settlement: Review and validate all transactions inputted by the officer / another specialist. Escalate all mismatches to VP. Validate all data entered into the system and forward to VP for review. On settlement date of transaction ensure transaction settled and all appropriate accounting entries executed. Escalate any settlement issues / discrepancies to VP Validate and Sign any vouchers that need to be passed for FX / Cash execution for review by the VP<br><br>Position / Cash Management: Review clients’ positions and holdings daily and reconcile positions with sub-custodians and market to ensure there are no discrepancies. Escalate any discrepancies to VP.<br><br> Daily review of client’s cash positions to ensure all clients have appropriate funding and escalating to VP and Middle Office any potential over drafts or if client is at risk of being insufficient. SWIFTS: Validate swift instructions inputted by officer / another specialist into the system for VP to Authorize. Second Level of SWIFT generation process<br><br>Reconciliation: Second level of reconciliation ensuring all appropriate checks are done to ensure there are no discrepancies and escalating any issues to the VP.<br><br> Ad Hoc Requests: Supporting the VP as required for business-as-usual matters and projects and initiatives<br><br>Risk Indicators: Responsible to ensure controls and procedures are being adhered to by the section. Monitor all KPIs, KRIs, Capacity Planning. Submit any incidents and issues to VP for review. Monitoring transactions to ensure they are being processed according to Compliance / Audit standards (requirements)<br><br>Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.<br><br> Demonstrate compliance to organization’s values and ethics at all times to support the establishment of a value drive culture within the bank<br><br>Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.<br><br> Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies and quality standards<br><br>Participation on section related projects, systems upgrades / changes, new client requirements, new product functions related to corporate actions<br><br>Understanding and active participation in Projects requirements and system upgrades and changes.<br><br> Ensure accurate and timely processing of client and client impacting instructions. Reconciling to confirm appropriate settlement of all transactions (FX, Cash, Securities, Corporate Action, Tax Reclaims). Volumes are significant, and as this is a new an up-and-coming business the volumes and complexity of the products and services being offered are increasing exponentially. Managing transactions that are large in value and complex in nature, ensuring their successful settlement, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.<br><br>Requirements / Qualifications<br><br> University Graduate / bachelor’s degree (or 5 years related work experience). 5 + years related experience in security services and / or back-office operations e.g. managing securities settlements/ corporate actions. Solid understanding of security services and operations and accounting activity related to security services. Ability to work under pressure, to priorities and to manage several tasks at the same time. Team oriented and ability to work under pressure. Ability to achieve business objectives without compromising controls and risk parameters established. Strong execution skills in a multi-tasking mode and follow-up effectively. Self-starter with excellent attitude, communication and interpersonal skills. High level of accuracy & attention to detail and excellent team working skills.<br><br>Preferred / Beneficial<br><br> Specific experience in Securities related functions e.g. Settlement, Client Services, Corporate Actions, Data Maintenance & Billing or Custody Account Opening will be an added advantage.

Job Summary / Introduction<br><br>Responsible for daily monitoring and processing of Settlement processes covering Domestic and Regional and International Market for equities, mutual funds, fixed income, hedge fund, structured funds, ETF, Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards.<br><br>Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets.<br><br>Communicate with many entities Clients, Counter parties, Markets, Sub Custodians, Regulators, Companies, Brokers, Paying Agents, Issuers covering Local, Regional, Global Markets, related to settlement process, support Due Diligence visits linking to Settlement process.<br><br>The incumbent is responsible for adhering to established quality control measures and procedures.<br><br>Responsible to provide the first level training for new specialists and will assist specialists in handling inquiries.<br><br>Handle the cash managements for the client to facilitate the smooth settlements across all markets.<br><br>Active participation in understanding the Operating module, including Securities Lending and Borrowing transactions, that are large in value and complex in nature, ensuring their successful settlement processing, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.<br><br>Current offering of Department: Position Management, Security/Cash Settlement, Corporate Actions, Reporting, Invoicing, Reconciliation, Swift, Market Security Movement, FX Management, Cash Management, Project Support, Proxy Services, Tax Reclaims, Income Management. Planned expansion into support of Securities Lending, Client Short Selling, Network Management Support, Claim Management, and other services.<br><br>Specialist will participate in section related projects such as system upgrade / changes, processing enhancements and off hours system testing.<br><br>Active participation in implementation of Settlement processing related to new clients SLA and SLD, Sub Custodian SLA, New Functions, Products, Market Rules Regulations and Procedures with relevant controls to provide highest level of client delivery.<br><br>Cope with market changes and subsequent upgradation of internal processes and to identify any potential risk and to create the appropriate controls.<br><br>Responsible to coordinate and work with various internal departments and external entitles and concerned persons as an integral part related to participation in Projects in order to Re-engineer the process for excellence client delivery and reduce manual activities.<br><br>Responsible for the end-to-end Settlements processing in accordance with regulatory and compliance requirements, with an increased focus on accurate and timely execution to enhance the client experience.<br><br>Key Responsibilities<br><br> Responsible for daily monitoring and processing of Settlement processes covering Domestic, Regional and International Markets for products like equities mutual funds, fixed income, hedge fund, structured funds, ETF Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards. Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets. Ensure to track and respond to internal and external clients' queries by providing clear detailed Settlement information in line with the relevant market rules and regulations and Settlement best practice. Responsible for communicating with various stakeholders like Markets, Sub Custodians, Agents, Companies, Depositories, Brokers, Issuers to ensure smooth accurate timely Settlement processing. Ensure that all trade related statuses reports/Instructions are communicated to all stake holders in timely manners. Responsible to have excellent knowledge related to Settlements swift messages and usages of the same. Demonstrates reliability by taking necessary actions to continuously meet required deadlines and goals. Articulates information clearly and presents information effectively and confidently when working with others. Convince others by making a strong case, bringing others along to their viewpoint; maintains strong, trusting relationships while at the same time is comfortable challenging ideas. Participation in section related projects, system changes and upgrades and new client’s requirements and implementation of sub custodian / client SLA<br><br>Review processes and suggest and implement changes to enhance client satisfaction and reduce manual intervention and reduce overall cost.<br><br> Cash / FX Settlement: Review and validate all transactions inputted by the officer / another specialist. Escalate all mismatches to VP. Validate all data entered into the system and forward to VP for review. On settlement date of transaction ensure transaction settled and all appropriate accounting entries executed. Escalate any settlement issues / discrepancies to VP Validate and Sign any vouchers that need to be passed for FX / Cash execution for review by the VP<br><br>Position / Cash Management: Review clients’ positions and holdings daily and reconcile positions with sub-custodians and market to ensure there are no discrepancies. Escalate any discrepancies to VP.<br><br> Daily review of client’s cash positions to ensure all clients have appropriate funding and escalating to VP and Middle Office any potential over drafts or if client is at risk of being insufficient. SWIFTS: Validate swift instructions inputted by officer / another specialist into the system for VP to Authorize. Second Level of SWIFT generation process<br><br>Reconciliation: Second level of reconciliation ensuring all appropriate checks are done to ensure there are no discrepancies and escalating any issues to the VP.<br><br> Ad Hoc Requests: Supporting the VP as required for business-as-usual matters and projects and initiatives<br><br>Risk Indicators: Responsible to ensure controls and procedures are being adhered to by the section. Monitor all KPIs, KRIs, Capacity Planning. Submit any incidents and issues to VP for review. Monitoring transactions to ensure they are being processed according to Compliance / Audit standards (requirements)<br><br>Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.<br><br> Demonstrate compliance to organization’s values and ethics at all times to support the establishment of a value drive culture within the bank<br><br>Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.<br><br> Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies and quality standards<br><br>Participation on section related projects, systems upgrades / changes, new client requirements, new product functions related to corporate actions<br><br>Understanding and active participation in Projects requirements and system upgrades and changes.<br><br> Ensure accurate and timely processing of client and client impacting instructions. Reconciling to confirm appropriate settlement of all transactions (FX, Cash, Securities, Corporate Action, Tax Reclaims). Volumes are significant, and as this is a new an up-and-coming business the volumes and complexity of the products and services being offered are increasing exponentially. Managing transactions that are large in value and complex in nature, ensuring their successful settlement, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.<br><br>Requirements / Qualifications<br><br> University Graduate / bachelor’s degree (or 5 years related work experience). 5 + years related experience in security services and / or back-office operations e.g. managing securities settlements/ corporate actions. Solid understanding of security services and operations and accounting activity related to security services. Ability to work under pressure, to priorities and to manage several tasks at the same time. Team oriented and ability to work under pressure. Ability to achieve business objectives without compromising controls and risk parameters established. Strong execution skills in a multi-tasking mode and follow-up effectively. Self-starter with excellent attitude, communication and interpersonal skills. High level of accuracy & attention to detail and excellent team working skills.<br><br>Preferred / Beneficial<br><br> Specific experience in Securities related functions e.g. Settlement, Client Services, Corporate Actions, Data Maintenance & Billing or Custody Account Opening will be an added advantage.

#HIRING | Senior Officer – Trade & Securities Settlement Operations???? Location: Abu Dhabi, UAE⚠️ Please Note: Only candidates currently based in the UAE will be considered for this opportunity. We are looking for an experienced Senior Officer – Trade & Securities Settlement Operations to join our team in Abu Dhabi. The successful candidate will be responsible for end-to-end securities settlement operations across domestic, regional, and international markets, ensuring accurate and timely processing of trades while maintaining the highest standards of client service, compliance, and operational excellence.???? Key Responsibilities:Key Responsibilities: ▪ Responsible for the end-to-end Settlements processing in accordance with regulatory and compliance requirements, with an increased focus on accurate and timely execution to enhance the client experience. ▪ Responsible for daily monitoring and processing of Settlement processes covering Domestic, Regional and International Markets for products like equities mutual funds, fixed income , hedge fund , structured funds , ETF Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards. ▪ Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets. ▪ Ensure to track and respond to internal and external clients queries by providing clear detailed Settlement information in line with the relevant market rules and regulations and Settlement best practise. ▪ Responsible for communicating with various stakeholders like Markets, Sub Custodians, Agents, Companies, Depositories, Brokers, Issuers to ensure smooth accurate timely Settlement processing. ▪ Ensure that all trade related statuses reports/Instructions are communicated to all stake holders in timely manners. ▪ Responsible to have excellent knowledge related to Settlements swift messages and usages of the same. ▪ Demonstrates reliability by taking necessary actions to continuously meet required deadlines and goals. ▪ Articulates information clearly and presents information effectively and confidently when working with others. ▪ Convince others by making a strong case, bringing others along to their viewpoint; maintains strong, trusting relationships while at the same time is comfortable challenging ideas. ▪ Participation in section related projects, system changes and upgrades and new client’s requirements and implementation of sub custodian / client SLA. ▪ Review processes and suggest and implement changes to enhance client satisfaction and reduce manual intervention and reduce overall cost. ▪ Cash / FX Settlement: Review and validate all transactions inputted by the officer / another specialist. Escalate all mismatches to VP. Validate all data entered into the system and forward to VP for review. On settlement date of transaction ensure transaction settled and all appropriate accounting entries executed. Escalate any settlement issues / discrepancies to VP Validate and Sign any vouchers that need to be passed for FX / Cash execution for review by the VP. ▪ Position / Cash Management: Review clients’ positions and holdings daily and reconcile positions with sub custodians and market to ensure there are no discrepancies. Escalate any discrepancies to VP. Daily review of client’s cash positions to ensure all clients have appropriate funding and escalating to VP and Middle Office any potential over drafts or if client is at risk of being insufficient. ▪ SWIFTS: Validate swift instructions inputted by officer / another specialist into the system for VP to Authorize. Second Level of SWIFT generation process. ▪ Reconciliation: Second level of reconciliation ensuring all appropriate checks are done to ensure there are no discrepancies and escalating any issues to the VP. ▪ Ad Hoc Requests: Supporting the VP as required for business-as-usual matters and projects and initiatives. ▪ Risk Indicators: Responsible to ensure controls and procedures are being adhered to by the section. Monitor all KPIs, KRIs, Capacity Planning. Submit any incidents and issues to VP for review. Monitoring transactions to ensure they are being processed according to Compliance / Audit standards (requirements). Required Skills & Qualifications • Bachelor's Degree in Finance, Accounting, Business Administration, or a related field. • 3–5 years of experience in Securities Services, Custody Operations, Trade Settlements, or Investment Operations. • Strong understanding of securities settlement lifecycle across local and international markets. • Knowledge of custody operations, cash management, reconciliations, and SWIFT messaging. • Understanding of financial instruments including equities, bonds, mutual funds, ETFs, and other investment products. • Familiarity with market regulations, settlement practices, and operational risk controls. • Excellent analytical, problem-solving, and communication skills. • Ability to manage multiple priorities and work effectively under tight deadlines. • High attention to detail and commitment to accuracy. Preferred Experience • Experience in Custody Services, Trade Settlements, Corporate Actions, Securities Lending, or Asset Servicing. • Exposure to international settlement markets and sub-custodian networks. • Experience working with settlement platforms, SWIFT systems, and reconciliation tools. ⭐ Preferred:• Experience in Custody Services, Corporate Actions, Asset Servicing, or Securities Lending.• Exposure to international settlement markets and sub-custodian networks.???? Only UAE-based candidates are eligible to apply.???? Interested? Apply now or share your profile at dhamani@datacube.ae / LinkedIn Apply Tag someone who would be a great fit! ???????? Important Note:???? Profiles without direct and strong experience in the above key points will not be considered.???? Please share within your network if you know a highly suitable profile.????If you meet the above requirements and are looking for your next career opportunity, please apply or share your updated CV.#Hiring #Abu Dhabi Jobs #UAEJobs #Trade Settlement #Custody Operations #Investment Operations #Securities Services #Finance Jobs #Banking Jobs #Operations Jobs #Capital Markets #SWIFT #Asset Servicing

<p>The Settlement Officer has overall responsibility and management for the daily Settlement and Reconciliation of card payments, compliance with corporate and payment network schemes policies, and risk mitigation. The Settlement Officer will work with other Team Leads and Managers across the ADGT organization regarding both day-to-day settlement activities and strategic enhancements. Manage and be accountable for ADGT settlement operations, dispute management and the settlement team. • Daily Management of Settlement, and Reconciliation processes for all payment network schemes financial transactions such as Interac, Visa, MasterCard, AMEX, STAR, NYCE and third-party payment processor • Exercise appropriate controls to minimize disputed chargebacks and financial exposure. • Ensure proper record management and retention of all reconciliation documents for future record recovery purpose and audit requirement • Coordinate the management of audits. • Review and improve the reconciliation process and Standard Operating Procedures • Maintain and develop Settlement and Reconciliation procedures and manuals • Communicate effectively with both the ADGT team, clients and counterparties, tailoring Communication style to the audience as required. • Perform all employee-related administrative duties including hiring, annual reviews and HR related requirements • Serve as Subject Matter Expert to all cross-functional ADGT teams • Other duties assigned by the manager, or designates.</p><p>A Bachelor's degree is required together with some related experience. Preference will be given to candidates with experience in a fast-paced customer oriented business preferably dealing with financial transactional debit and/or credit processing. • Exceptional organizational skills with demonstrated attention to detail. • Established ability to exercise absolute discretion and maintain confidentiality. • Highly motivated and able to work well both independently and as part of a team. • Ability to work in a high pressure, fast paced environment. • Confident and versatile, with ability to multi-task and prioritize work, strong time management skills. • A desire to succeed and eagerness to learn new skills. • Basic Excel skills are a must, preferably Intermediate to advanced skills. • Excellent communication and interpersonal skills.</p>

<p>The Settlement Officer has overall responsibility and management for the daily Settlement and Reconciliation of card payments, compliance with corporate and payment network schemes policies, and risk mitigation. The Settlement Officer will work with other Team Leads and Managers across the ADGT organization regarding both day-to-day settlement activities and strategic enhancements. Manage and be accountable for ADGT settlement operations, dispute management and the settlement team. • Daily Management of Settlement, and Reconciliation processes for all payment network schemes financial transactions such as Interac, Visa, MasterCard, AMEX, STAR, NYCE and third-party payment processor • Exercise appropriate controls to minimize disputed chargebacks and financial exposure. • Ensure proper record management and retention of all reconciliation documents for future record recovery purpose and audit requirement • Coordinate the management of audits. • Review and improve the reconciliation process and Standard Operating Procedures • Maintain and develop Settlement and Reconciliation procedures and manuals • Communicate effectively with both the ADGT team, clients and counterparties, tailoring Communication style to the audience as required. • Perform all employee-related administrative duties including hiring, annual reviews and HR related requirements • Serve as Subject Matter Expert to all cross-functional ADGT teams • Other duties assigned by the manager, or designates.</p><p>A Bachelor's degree is required together with some related experience. Preference will be given to candidates with experience in a fast-paced customer oriented business preferably dealing with financial transactional debit and/or credit processing. • Exceptional organizational skills with demonstrated attention to detail. • Established ability to exercise absolute discretion and maintain confidentiality. • Highly motivated and able to work well both independently and as part of a team. • Ability to work in a high pressure, fast paced environment. • Confident and versatile, with ability to multi-task and prioritize work, strong time management skills. • A desire to succeed and eagerness to learn new skills. • Basic Excel skills are a must, preferably Intermediate to advanced skills. • Excellent communication and interpersonal skills.</p>

<p>The Settlement Administrator provides supports for customers inquires and daily client funds reconciliation. • Use analytical and investigation skills to resolve customer inquiries. • Respond to telephone and electronic enquiries in a courteous and professional manner. • Process bank traces, chargebacks, and reversals using various 3rd party interfaces • Investigate discrepancies and issue adjustments. • Assist in month-end activates that include but are not limited to preparation and delivery of statements, billing, and making accounting entries. • Safeguarding the interests of the company at all times by compliance with the Payment Card Industry (PCI) and Interac regulations. • Follow established work priorities, ensuring that deadlines are met, and procedures are followed. • Performing general clerical duties. • Assist with special projects as they arise</p><p>• A Bachelor's degree is required together with some related experience. Preference will be given to candidates with experience in a fast-paced customer oriented business preferably dealing with financial transactional debit and/or credit processing. • Exceptional organizational skills with demonstrated attention to detail. • Established ability to exercise absolute discretion and maintain confidentiality. • Highly motivated and able to work well both independently and as part of a team. • Ability to work in a high pressure, fast paced environment. • Confident and versatile, with ability to multi-task and prioritize work, strong time management skills. • A desire to succeed and eagerness to learn new skills. • Basic Excel skills are a must, preferably Intermediate to advanced skills. • Excellent communication and interpersonal skills.</p>

<p>The Settlement Administrator provides supports for customers inquires and daily client funds reconciliation. • Use analytical and investigation skills to resolve customer inquiries. • Respond to telephone and electronic enquiries in a courteous and professional manner. • Process bank traces, chargebacks, and reversals using various 3rd party interfaces • Investigate discrepancies and issue adjustments. • Assist in month-end activates that include but are not limited to preparation and delivery of statements, billing, and making accounting entries. • Safeguarding the interests of the company at all times by compliance with the Payment Card Industry (PCI) and Interac regulations. • Follow established work priorities, ensuring that deadlines are met, and procedures are followed. • Performing general clerical duties. • Assist with special projects as they arise</p><p>• A Bachelor's degree is required together with some related experience. Preference will be given to candidates with experience in a fast-paced customer oriented business preferably dealing with financial transactional debit and/or credit processing. • Exceptional organizational skills with demonstrated attention to detail. • Established ability to exercise absolute discretion and maintain confidentiality. • Highly motivated and able to work well both independently and as part of a team. • Ability to work in a high pressure, fast paced environment. • Confident and versatile, with ability to multi-task and prioritize work, strong time management skills. • A desire to succeed and eagerness to learn new skills. • Basic Excel skills are a must, preferably Intermediate to advanced skills. • Excellent communication and interpersonal skills.</p>

Role Description The Treasury Specialist is a part-time role based in Dubai with a hybrid work arrangement, allowing for both on-site and work-from-home activities. The role involves managing daily cash positions, monitoring bank accounts, and ensuring adequate liquidity for operational and project needs. The Treasury Specialist will support cash flow forecasting, assist with banking transactions, and help optimize the use of financial resources. Responsibilities include reconciling treasury-related accounts, preparing regular reports for management, and coordinating with finance and project teams to align treasury activities with organizational objectives. The role also includes maintaining compliance with internal controls and relevant financial regulations. Qualifications Candidates should possess strong Treasury Management and Cash Management skills for overseeing liquidity and banking operations. Candidates should possess solid Finance and Accounting skills to support accurate reporting and compliance. Candidates should possess advanced Analytical Skills to interpret financial data, identify trends, and support decision-making. Relevant experience in treasury, finance, or accounting within engineering, construction, or infrastructure sectors is beneficial. Bachelor’s degree in Finance, Accounting, Business, Economics, or a related field is preferred. Proficiency in spreadsheets, financial software, and ERP systems, along with attention to detail and strong organizational skills. Ability to work collaboratively in a hybrid environment, communicate clearly with stakeholders, and manage multiple priorities.

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> <p>We have job opportunity for Card Operations with Happiest Minds in Dubai location.&nbsp;</p><p><br></p><p>Job Description:</p><p>&nbsp;</p><p>Card Ops division </p><p>Work experience should be operational processing capabilities like settlements, reconciliation etc. on cards specifically. </p><p>&nbsp;</p><p>Card Operations:</p><ul><li>Handling schemes transaction reconciliation and settlement</li><li>Familiar with VISA, MasterCard, issuing processing</li><li>Working experience with Master Connect portal</li><li>Well versed with schemes transactions authorization flow and settlement flow</li><li>Financial processing, voucher preparation, GL reconciliation</li></ul><p>Understanding of UAESWITCH transaction settlement</p> </div><h2 class="h5">Skills</h2> <div data-jb-field="skills"><p>Card Operations:</p><ul><li>Handling schemes transaction reconciliation and settlement</li><li>Familiar with VISA, MasterCard, issuing processing</li><li>Working experience with Master Connect portal</li><li>Well versed with schemes transactions authorization flow and settlement flow</li><li>Financial processing, voucher preparation, GL reconciliation</li></ul><p>Understanding of UAESWITCH transaction settlement</p></div>

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> <p><strong>Key Responsibilities:</strong></p><br><br><ul><li><p>Prepare employee vacation settlements, including leave salary, accrued leave, and other applicable benefits.</p><br><br></li><li><p>Process employee end-of-service settlements, including gratuity, leave encashment, pending salary, and final dues in accordance with UAE Labour Law and company policies.</p><br><br></li><li><p>Enter and maintain employee deductions in the payroll system, including salary advances, loans, unpaid leave, absences, and other approved deductions.</p><br><br></li><li><p>Verify employee records, payroll data, and supporting documents to ensure accuracy before processing settlements.</p><br><br></li><li><p>Coordinate with HR, Finance, and Payroll teams to resolve discrepancies and ensure timely settlement processing.</p><br><br></li><li><p>Ensure all settlement calculations comply with company policies, legal requirements, and internal procedures.</p><br><br></li><li><p>Maintain accurate payroll and settlement records while ensuring the confidentiality of employee information.</p><br><br></li><li><p>Prepare settlement reports, reconcile payroll-related transactions, and support monthly payroll and final settlement activities.</p><br><br></li><li><p>Ensure timely processing of employee settlements to provide a smooth separation experience.</p><br><br></li></ul><p><span><strong>Qualifications:</strong></span></p><br><br><ul><li><p>Bachelor's degree in Human Resources, Commerce, Accounting, Business Administration, Finance, or a related field.</p><br><br></li><li><p>Payroll, HR, or Finance certifications are an added advantage.</p><br><br></li></ul><br> <br><br> </div>

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> <p><strong>JOB SUMMARY / INTRODUCTION</strong></p><br><p>Responsible for daily monitoring and processing of Settlement processes covering Domestic and Regional and International Market for equities, mutual funds, fixed income, hedge fund, structured funds, ETF, Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards.<br>Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets.<br>Communicate with many entities Clients, Counter parties, Markets, Sub Custodians, Regulators, Companies, Brokers, Paying Agents, Issuers covering Local, Regional, Global Markets, related to settlement process, support Due Diligence visits linking to Settlement process.<br>The incumbent is responsible for adhering to established quality control measures and procedures.<br>Responsible to provide the first level training for new specialists and will assist specialists in handling inquiries.<br>Handle the cash managements for the client to facilitate the smooth settlements across all markets.<br>Active participation in understanding the Operating module, including Securities Lending and Borrowing transactions, that are large in value and complex in nature, ensuring their successful settlement processing, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.<br>Current offering of Department: Position Management, Security/Cash Settlement, Corporate Actions, Reporting, Invoicing, Reconciliation, Swift, Market Security Movement, FX Management, Cash Management, Project Support, Proxy Services, Tax Reclaims, Income Management. Planned expansion into support of Securities Lending, Client Short Selling, Network Management Support, Claim Management, and other services.<br>Specialist will participate in section related projects such as system upgrade / changes, processing enhancements and off hours system testing.<br>Active participation in implementation of Settlement processing related to new clients SLA and SLD, Sub Custodian SLA, New Functions, Products, Market Rules Regulations and Procedures with relevant controls to provide highest level of client delivery.<br>Cope with market changes and subsequent upgradation of internal processes and to identify any potential risk and to create the appropriate controls.<br>Responsible to coordinate and work with various internal departments and external entitles and concerned persons as an integral part related to participation in Projects in order to Re-engineer the process for excellence client delivery and reduce manual activities.<br>Responsible for the end-to-end Settlements processing in accordance with regulatory and compliance requirements, with an increased focus on accurate and timely execution to enhance the client experience.</p><br><p><strong> KEY RESPONSIBILITIES</strong></p><br><ul><li>Responsible for daily monitoring and processing of Settlement processes covering Domestic, Regional and International Markets for products like equities mutual funds, fixed income, hedge fund, structured funds, ETF Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards.</li><li>Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets.</li><li>Ensure to track and respond to internal and external clients' queries by providing clear detailed Settlement information in line with the relevant market rules and regulations and Settlement best practice.</li><li>Responsible for communicating with various stakeholders like Markets, Sub Custodians, Agents, Companies, Depositories, Brokers, Issuers to ensure smooth accurate timely Settlement processing.</li><li>Ensure that all trade related statuses reports/Instructions are communicated to all stake holders in timely manners.</li><li>Responsible to have excellent knowledge related to Settlements swift messages and usages of the same.</li><li>Demonstrates reliability by taking necessary actions to continuously meet required deadlines and goals.</li><li>Articulates information clearly and presents information effectively and confidently when working with others.</li><li>Convince others by making a strong case, bringing others along to their viewpoint; maintains strong, trusting relationships while at the same time is comfortable challenging ideas.</li><li>Participation in section related projects, system changes and upgrades and new client’s requirements and implementation of sub custodian / client SLA<br>Review processes and suggest and implement changes to enhance client satisfaction and reduce manual intervention and reduce overall cost.</li><li>Cash / FX Settlement: Review and validate all transactions inputted by the officer / another specialist. Escalate all mismatches to VP. Validate all data entered into the system and forward to VP for review. On settlement date of transaction ensure transaction settled and all appropriate accounting entries executed. Escalate any settlement issues / discrepancies to VP Validate and Sign any vouchers that need to be passed for FX / Cash execution for review by the VP<br>Position / Cash Management: Review clients’ positions and holdings daily and reconcile positions with sub-custodians and market to ensure there are no discrepancies. Escalate any discrepancies to VP.</li><li>&nbsp;Daily review of client’s cash positions to ensure all clients have appropriate funding and escalating to VP and Middle Office any potential over drafts or if client is at risk of being insufficient.</li><li>SWIFTS: Validate swift instructions inputted by officer / another specialist into the system for VP to Authorize. Second Level of SWIFT generation process<br>Reconciliation: Second level of reconciliation ensuring all appropriate checks are done to ensure there are no discrepancies and escalating any issues to the VP.</li><li>Ad Hoc Requests: Supporting the VP as required for business-as-usual matters and projects and initiatives<br>Risk Indicators: Responsible to ensure controls and procedures are being adhered to by the section. Monitor all KPIs, KRIs, Capacity Planning. Submit any incidents and issues to VP for review. Monitoring transactions to ensure they are being processed according to Compliance / Audit standards (requirements)<br>Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.</li><li>Demonstrate compliance to organization’s values and ethics at all times to support the establishment of a value drive culture within the bank<br>Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.</li><li>Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies and quality standards<br>Participation on section related projects, systems upgrades / changes, new client requirements, new product functions related to corporate actions<br>Understanding and active participation in Projects requirements and system upgrades and changes.</li><li>Ensure accurate and timely processing of client and client impacting instructions. Reconciling to confirm appropriate settlement of all transactions (FX, Cash, Securities, Corporate Action, Tax Reclaims). Volumes are significant, and as this is a new an up-and-coming business the volumes and complexity of the products and services being offered are increasing exponentially.</li><li>Managing transactions that are large in value and complex in nature, ensuring their successful settlement, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.</li></ul><p><strong> REQUIREMENTS / QUALIFICATIONS</strong></p><br><ul><li>University Graduate / bachelor’s degree (or 5 years related work experience).</li><li>5 + years related experience in security services and / or back-office operations e.g. managing securities settlements/ corporate actions.</li><li>Solid understanding of security services and operations and accounting activity related to security services.</li><li>Ability to work under pressure, to priorities and to manage several tasks at the same time.</li><li>Team oriented and ability to work under pressure.</li><li>Ability to achieve business objectives without compromising controls and risk parameters established.</li><li>Strong execution skills in a multi-tasking mode and follow-up effectively.</li><li>Self-starter with excellent attitude, communication and interpersonal skills.</li><li>High level of accuracy &amp; attention to detail and excellent team working skills.<br><strong>Preferred / Beneficial</strong></li><li>Specific experience in Securities related functions e.g. Settlement, Client Services, Corporate Actions, Data Maintenance &amp; Billing or Custody Account Opening will be an added advantage.</li></ul><br> <b>About Us:</b><br> First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br> <b>Life at FAB:</b><br> Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to "Grow Stronger." We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br> <b>Career Development:</b><br> FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br> <b>Our Values:</b><br> At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br> Join our team and be part of a journey to shape the future of banking.<br> </div>

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> <p><strong>JOB SUMMARY / INTRODUCTION</strong></p><br><p>Responsible for daily monitoring and processing of Settlement processes covering Domestic and Regional and International Market for equities, mutual funds, fixed income, hedge fund, structured funds, ETF, Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards.<br>Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets.<br>Communicate with many entities Clients, Counter parties, Markets, Sub Custodians, Regulators, Companies, Brokers, Paying Agents, Issuers covering Local, Regional, Global Markets, related to settlement process, support Due Diligence visits linking to Settlement process.<br>The incumbent is responsible for adhering to established quality control measures and procedures.<br>Responsible to provide the first level training for new specialists and will assist specialists in handling inquiries.<br>Handle the cash managements for the client to facilitate the smooth settlements across all markets.<br>Active participation in understanding the Operating module, including Securities Lending and Borrowing transactions, that are large in value and complex in nature, ensuring their successful settlement processing, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.<br>Current offering of Department: Position Management, Security/Cash Settlement, Corporate Actions, Reporting, Invoicing, Reconciliation, Swift, Market Security Movement, FX Management, Cash Management, Project Support, Proxy Services, Tax Reclaims, Income Management. Planned expansion into support of Securities Lending, Client Short Selling, Network Management Support, Claim Management, and other services.<br>Specialist will participate in section related projects such as system upgrade / changes, processing enhancements and off hours system testing.<br>Active participation in implementation of Settlement processing related to new clients SLA and SLD, Sub Custodian SLA, New Functions, Products, Market Rules Regulations and Procedures with relevant controls to provide highest level of client delivery.<br>Cope with market changes and subsequent upgradation of internal processes and to identify any potential risk and to create the appropriate controls.<br>Responsible to coordinate and work with various internal departments and external entitles and concerned persons as an integral part related to participation in Projects in order to Re-engineer the process for excellence client delivery and reduce manual activities.<br>Responsible for the end-to-end Settlements processing in accordance with regulatory and compliance requirements, with an increased focus on accurate and timely execution to enhance the client experience.</p><br><p><strong> KEY RESPONSIBILITIES</strong></p><br><ul><li>Responsible for daily monitoring and processing of Settlement processes covering Domestic, Regional and International Markets for products like equities mutual funds, fixed income, hedge fund, structured funds, ETF Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards.</li><li>Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets.</li><li>Ensure to track and respond to internal and external clients' queries by providing clear detailed Settlement information in line with the relevant market rules and regulations and Settlement best practice.</li><li>Responsible for communicating with various stakeholders like Markets, Sub Custodians, Agents, Companies, Depositories, Brokers, Issuers to ensure smooth accurate timely Settlement processing.</li><li>Ensure that all trade related statuses reports/Instructions are communicated to all stake holders in timely manners.</li><li>Responsible to have excellent knowledge related to Settlements swift messages and usages of the same.</li><li>Demonstrates reliability by taking necessary actions to continuously meet required deadlines and goals.</li><li>Articulates information clearly and presents information effectively and confidently when working with others.</li><li>Convince others by making a strong case, bringing others along to their viewpoint; maintains strong, trusting relationships while at the same time is comfortable challenging ideas.</li><li>Participation in section related projects, system changes and upgrades and new client’s requirements and implementation of sub custodian / client SLA<br>Review processes and suggest and implement changes to enhance client satisfaction and reduce manual intervention and reduce overall cost.</li><li>Cash / FX Settlement: Review and validate all transactions inputted by the officer / another specialist. Escalate all mismatches to VP. Validate all data entered into the system and forward to VP for review. On settlement date of transaction ensure transaction settled and all appropriate accounting entries executed. Escalate any settlement issues / discrepancies to VP Validate and Sign any vouchers that need to be passed for FX / Cash execution for review by the VP<br>Position / Cash Management: Review clients’ positions and holdings daily and reconcile positions with sub-custodians and market to ensure there are no discrepancies. Escalate any discrepancies to VP.</li><li>&nbsp;Daily review of client’s cash positions to ensure all clients have appropriate funding and escalating to VP and Middle Office any potential over drafts or if client is at risk of being insufficient.</li><li>SWIFTS: Validate swift instructions inputted by officer / another specialist into the system for VP to Authorize. Second Level of SWIFT generation process<br>Reconciliation: Second level of reconciliation ensuring all appropriate checks are done to ensure there are no discrepancies and escalating any issues to the VP.</li><li>Ad Hoc Requests: Supporting the VP as required for business-as-usual matters and projects and initiatives<br>Risk Indicators: Responsible to ensure controls and procedures are being adhered to by the section. Monitor all KPIs, KRIs, Capacity Planning. Submit any incidents and issues to VP for review. Monitoring transactions to ensure they are being processed according to Compliance / Audit standards (requirements)<br>Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.</li><li>Demonstrate compliance to organization’s values and ethics at all times to support the establishment of a value drive culture within the bank<br>Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.</li><li>Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies and quality standards<br>Participation on section related projects, systems upgrades / changes, new client requirements, new product functions related to corporate actions<br>Understanding and active participation in Projects requirements and system upgrades and changes.</li><li>Ensure accurate and timely processing of client and client impacting instructions. Reconciling to confirm appropriate settlement of all transactions (FX, Cash, Securities, Corporate Action, Tax Reclaims). Volumes are significant, and as this is a new an up-and-coming business the volumes and complexity of the products and services being offered are increasing exponentially.</li><li>Managing transactions that are large in value and complex in nature, ensuring their successful settlement, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.</li></ul><p><strong> REQUIREMENTS / QUALIFICATIONS</strong></p><br><ul><li>University Graduate / bachelor’s degree (or 5 years related work experience).</li><li>5 + years related experience in security services and / or back-office operations e.g. managing securities settlements/ corporate actions.</li><li>Solid understanding of security services and operations and accounting activity related to security services.</li><li>Ability to work under pressure, to priorities and to manage several tasks at the same time.</li><li>Team oriented and ability to work under pressure.</li><li>Ability to achieve business objectives without compromising controls and risk parameters established.</li><li>Strong execution skills in a multi-tasking mode and follow-up effectively.</li><li>Self-starter with excellent attitude, communication and interpersonal skills.</li><li>High level of accuracy &amp; attention to detail and excellent team working skills.<br><strong>Preferred / Beneficial</strong></li><li>Specific experience in Securities related functions e.g. Settlement, Client Services, Corporate Actions, Data Maintenance &amp; Billing or Custody Account Opening will be an added advantage.</li></ul><br> <b>About Us:</b><br> First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br> <b>Life at FAB:</b><br> Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to "Grow Stronger." We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br> <b>Career Development:</b><br> FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br> <b>Our Values:</b><br> At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br> Join our team and be part of a journey to shape the future of banking.<br> </div>

Key Responsibilities:<br><br>Prepare employee vacation settlements, including leave salary, accrued leave, and other applicable benefits. Process employee end-of-service settlements, including gratuity, leave encashment, pending salary, and final dues in accordance with UAE Labour Law and company policies. Enter and maintain employee deductions in the payroll system, including salary advances, loans, unpaid leave, absences, and other approved deductions. Verify employee records, payroll data, and supporting documents to ensure accuracy before processing settlements. Coordinate with HR, Finance, and Payroll teams to resolve discrepancies and ensure timely settlement processing. Ensure all settlement calculations comply with company policies, legal requirements, and internal procedures. Maintain accurate payroll and settlement records while ensuring the confidentiality of employee information. Prepare settlement reports, reconcile payroll-related transactions, and support monthly payroll and final settlement activities. Ensure timely processing of employee settlements to provide a smooth separation experience.<br><br>Qualifications:<br><br>Bachelor's degree in Human Resources, Commerce, Accounting, Business Administration, Finance, or a related field. Payroll, HR, or Finance certifications are an added advantage.

Job Summary / Introduction<br><br>Responsible for daily monitoring and processing of Settlement processes covering Domestic and Regional and International Market for equities, mutual funds, fixed income, hedge fund, structured funds, ETF, Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards.<br><br>Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets.<br><br>Communicate with many entities Clients, Counter parties, Markets, Sub Custodians, Regulators, Companies, Brokers, Paying Agents, Issuers covering Local, Regional, Global Markets, related to settlement process, support Due Diligence visits linking to Settlement process.<br><br>The incumbent is responsible for adhering to established quality control measures and procedures.<br><br>Responsible to provide the first level training for new specialists and will assist specialists in handling inquiries.<br><br>Handle the cash managements for the client to facilitate the smooth settlements across all markets.<br><br>Active participation in understanding the Operating module, including Securities Lending and Borrowing transactions, that are large in value and complex in nature, ensuring their successful settlement processing, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.<br><br>Current offering of Department: Position Management, Security/Cash Settlement, Corporate Actions, Reporting, Invoicing, Reconciliation, Swift, Market Security Movement, FX Management, Cash Management, Project Support, Proxy Services, Tax Reclaims, Income Management. Planned expansion into support of Securities Lending, Client Short Selling, Network Management Support, Claim Management, and other services.<br><br>Specialist will participate in section related projects such as system upgrade / changes, processing enhancements and off hours system testing.<br><br>Active participation in implementation of Settlement processing related to new clients SLA and SLD, Sub Custodian SLA, New Functions, Products, Market Rules Regulations and Procedures with relevant controls to provide highest level of client delivery.<br><br>Cope with market changes and subsequent upgradation of internal processes and to identify any potential risk and to create the appropriate controls.<br><br>Responsible to coordinate and work with various internal departments and external entitles and concerned persons as an integral part related to participation in Projects in order to Re-engineer the process for excellence client delivery and reduce manual activities.<br><br>Responsible for the end-to-end Settlements processing in accordance with regulatory and compliance requirements, with an increased focus on accurate and timely execution to enhance the client experience.<br><br>Key Responsibilities<br><br> Responsible for daily monitoring and processing of Settlement processes covering Domestic, Regional and International Markets for products like equities mutual funds, fixed income, hedge fund, structured funds, ETF Local and International Securities Lending and Borrowing, Local Market Short Selling and ensuring highest quality of client service delivery as per international standards. Responsible for handling extremely complex settlement transaction across Local, Regional, International Markets. Processing responsibilities include the receipt of client, market / sub custodian instructions. Validating the correctness of all instructions. Ensuring the matching and settlement of instructions in timely manner across all markets. Ensure to track and respond to internal and external clients' queries by providing clear detailed Settlement information in line with the relevant market rules and regulations and Settlement best practice. Responsible for communicating with various stakeholders like Markets, Sub Custodians, Agents, Companies, Depositories, Brokers, Issuers to ensure smooth accurate timely Settlement processing. Ensure that all trade related statuses reports/Instructions are communicated to all stake holders in timely manners. Responsible to have excellent knowledge related to Settlements swift messages and usages of the same. Demonstrates reliability by taking necessary actions to continuously meet required deadlines and goals. Articulates information clearly and presents information effectively and confidently when working with others. Convince others by making a strong case, bringing others along to their viewpoint; maintains strong, trusting relationships while at the same time is comfortable challenging ideas. Participation in section related projects, system changes and upgrades and new client’s requirements and implementation of sub custodian / client SLA<br><br>Review processes and suggest and implement changes to enhance client satisfaction and reduce manual intervention and reduce overall cost.<br><br> Cash / FX Settlement: Review and validate all transactions inputted by the officer / another specialist. Escalate all mismatches to VP. Validate all data entered into the system and forward to VP for review. On settlement date of transaction ensure transaction settled and all appropriate accounting entries executed. Escalate any settlement issues / discrepancies to VP Validate and Sign any vouchers that need to be passed for FX / Cash execution for review by the VP<br><br>Position / Cash Management: Review clients’ positions and holdings daily and reconcile positions with sub-custodians and market to ensure there are no discrepancies. Escalate any discrepancies to VP.<br><br> Daily review of client’s cash positions to ensure all clients have appropriate funding and escalating to VP and Middle Office any potential over drafts or if client is at risk of being insufficient. SWIFTS: Validate swift instructions inputted by officer / another specialist into the system for VP to Authorize. Second Level of SWIFT generation process<br><br>Reconciliation: Second level of reconciliation ensuring all appropriate checks are done to ensure there are no discrepancies and escalating any issues to the VP.<br><br> Ad Hoc Requests: Supporting the VP as required for business-as-usual matters and projects and initiatives<br><br>Risk Indicators: Responsible to ensure controls and procedures are being adhered to by the section. Monitor all KPIs, KRIs, Capacity Planning. Submit any incidents and issues to VP for review. Monitoring transactions to ensure they are being processed according to Compliance / Audit standards (requirements)<br><br>Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.<br><br> Demonstrate compliance to organization’s values and ethics at all times to support the establishment of a value drive culture within the bank<br><br>Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.<br><br> Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies and quality standards<br><br>Participation on section related projects, systems upgrades / changes, new client requirements, new product functions related to corporate actions<br><br>Understanding and active participation in Projects requirements and system upgrades and changes.<br><br> Ensure accurate and timely processing of client and client impacting instructions. Reconciling to confirm appropriate settlement of all transactions (FX, Cash, Securities, Corporate Action, Tax Reclaims). Volumes are significant, and as this is a new an up-and-coming business the volumes and complexity of the products and services being offered are increasing exponentially. Managing transactions that are large in value and complex in nature, ensuring their successful settlement, avoiding loss and penalties to the bank and clients that could cause the bank Reputational, Financial and Operational Risk.<br><br>Requirements / Qualifications<br><br> University Graduate / bachelor’s degree (or 5 years related work experience). 5 + years related experience in security services and / or back-office operations e.g. managing securities settlements/ corporate actions. Solid understanding of security services and operations and accounting activity related to security services. Ability to work under pressure, to priorities and to manage several tasks at the same time. Team oriented and ability to work under pressure. Ability to achieve business objectives without compromising controls and risk parameters established. Strong execution skills in a multi-tasking mode and follow-up effectively. Self-starter with excellent attitude, communication and interpersonal skills. High level of accuracy & attention to detail and excellent team working skills.<br><br>Preferred / Beneficial<br><br> Specific experience in Securities related functions e.g. Settlement, Client Services, Corporate Actions, Data Maintenance & Billing or Custody Account Opening will be an added advantage.

<p>To support the effective administration and management of insurance claims by ensuring timely claim registration, coordination with insurers and internal stakeholders, efficient documentation management, and proactive follow-up through to claim settlement and closure.<br></p><p><strong>Claims Registration & Notification</strong></p><ul><li><p>Register insurance claims promptly upon notification from internal departments or business units.</p></li><li><p>Review initial claim information to ensure completeness and accuracy prior to submission.</p></li><li><p>Intimate insurance companies and brokers in accordance with policy notification requirements.</p></li></ul><p><strong>Documentation Management & Coordination</strong></p><ul><li><p>Liaise with internal departments (operations, finance, HSE, legal, etc.) to collect all required claim documentation.</p></li><li><p>Maintain organized and auditable claim files (physical and electronic).</p></li><li><p>Ensure completeness and accuracy of documents submitted to insurers and loss adjusters.</p></li></ul><p><strong>Liaison with Insurers & Loss Adjusters</strong></p><ul><li><p>Coordinate with insurers for appointment of loss adjusters and ensure timely survey arrangements.</p></li><li><p>Follow up with loss adjusters on site visits, assessment progress, and documentation requirements.</p></li></ul><p>Act as a central point of contact between internal stakeholders, insurers, brokers, and loss adjusters.</p><p><strong>Claims Monitoring & Follow-up</strong></p><ul><li><p>Track all ongoing claims and follow up proactively with insurers and loss adjusters for timely progress.</p></li><li><p>Monitor outstanding claims and escalate delays where necessary.</p></li><li><p>Follow up internally for pending documentation impacting claim progress.</p></li></ul><p><strong>Claims Settlement & Closure</strong></p><ul><li><p>Follow up on claim settlement approvals and required documents (e.g., discharge receipts, payment confirmations).</p></li><li><p>Coordinate with finance for receipt and transfer of claim funds.</p></li><li><p>Ensure proper closure of claims with all supporting documentation completed.</p></li></ul><p><strong>Reporting & Analysis</strong></p><ul><li><p>Prepare periodic claims reports including:</p><ul><li><p>Outstanding claims status</p></li><li><p>Claims ageing analysis</p></li><li><p>Settlement trends and recovery status</p></li></ul></li><li><p>Analyze claims data to identify bottlenecks and delays in processing.</p></li><li><p>Maintain accurate claims registers and trackers.</p></li></ul><p><strong>Desired Candidate Profile</strong></p><ul><li><p>Strong understanding of general insurance principles and claims processes</p></li><li><p>Basic knowledge of policy wordings and coverage interpretation</p></li><li><p>Excellent coordination and stakeholder management skills</p></li><li><p>Attention to detail and strong documentation discipline</p></li><li><p>Analytical skills for claims tracking and reporting</p></li><li><p>Good communication skills (written and verbal)</p></li><li><p>Bachelor’s degree in Finance, Insurance, Business Administration, or related field</p></li><li><p>2–5 years of experience in insurance claims handling (insurer, broker, or corporate environment)</p></li><li><p>Knowledge of property, liability, motor, employee benefits and miscellaneous insurance lines preferred</p></li><li><p>Professional insurance qualification is an advantage</p></li></ul>

MANE is a fifth-generation family-owned company, globally recognized for creativity and innovation in the world of fragrance. Since 1871, we’ve been crafting scents that enrich daily life and celebrate individuality. In the Middle East, fragrances are a symbol of elegance and heritage. At MANE, we combine our expertise with a deep respect for tradition to create exceptional olfactory experiences. We capture what moves. Be part of a legacy that values artistry, sustainability, and diversity.<br>We have an exciting opportunity for a Fragrance Development Manager - Consumer Goods to join MANE. In this role, you will play a key role in the development of innovative fragrances for Consumer Goods customers, managing projects from concept through completion while ensuring alignment with customer expectations and market trends. Reporting directly to the Creation Director - Consumer Goods, you will collaborate with cross-functional teams to deliver high-quality fragrances that meet customer needs and resonate with consumers, while reinforcing MANE's reputation for innovation and excellence.<br>Role Responsibilities:Manage fragrance development projects for Consumer Goods customers across the Middle East region. Collaborate with Perfumers, Sales, Marketing, and Laboratory teams to achieve project objectives and meet customer expectations. Validate fragrances for customer submissions and consumer testing, providing expert evaluation throughout the development process. Analyze market trends and consumer preferences while managing the Consumer Goods fragrance collection. Partner with Sales teams to support product presentations, promote fragrance solutions, and contribute to collection updates. Maintain comprehensive records of fragrance development activities, creative initiatives, and market insights.<br>Required Skills & Experience:Bachelor's degree in Chemistry, Biology, or a related field (Master's degree preferred). Minimum 5 years of fragrance development experience, preferably within the Middle East market. Formal training and certification in olfaction is preferred, such as ISIPCA, Grasse Institute of Perfumery, École Supérieure du Parfum, or other recognized perfumery schools. Strong olfactive skills and technical fragrance knowledge. Proven project management skills, with the ability to manage multiple projects and priorities effectively. Excellent communication and interpersonal skills with a collaborative mindset; fluency in English is required, while Arabic and French are a plus. Passion for the fragrance industry, with a commitment to continuous learning and development.<br>What We Offer:Stability and legacy in the fragrance industry. Family-owned values of trust and growth. Long-term career growth in a supportive environment that values development, creativity, and work-life balance. Energetic, results-driven team with competitive compensation and benefits aligned to market standards.

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> <p><strong> JOB SUMMARY / INTRODUCTION</strong></p><br><p><br>To ensure that all Capital Markets related transactions executed by the Global Markets department are successfully matched, validated, confirmed and settled within the agreed timeframes in the appropriate systems. To ensure that all life cycle events are captured, booked and instructed accurately. To monitor all breaks derived from the reconciliation report, to resolve them and to escalate where necessary.<br>&nbsp;</p><br><p><strong> Products handled by Capital Markets team include:</strong></p><br><ul><li>Bonds</li><li>Structured Bonds</li><li>Equity</li><li>Repo, Reverse Repo, Islamic Repo, Equity Repo &amp; Triparty Repo</li><li>MBills and TBills</li><li>Coupons and Dividends</li><li>Collateral securities, Collateral cash and Initial Margin</li><li>Collateral Loan TRS</li><li><p>HNI settlement for Bonds, Equities, Gold Bullion and corporate action.<br>&nbsp;</p><br><p><strong>KEY RESPONSIBILITIES</strong></p><br><p><strong>Teamwork</strong></p><br></li><li>Provide guidance and on the job training for junior colleagues and conduct knowledge sharing to facilitate achievement of team objectives and completion of tasks in an efficient manner which is consistent with operating procedures and policy.</li><li>Promote the organization’s values and ethics in all activities within the team to support the establishment of a value drive culture within the bank.<br>Policies, Systems, Processes &amp; Procedures</li><li><p>Provide inputs and implement policies, systems and procedure for the assigned team so that all relevant procedural/legislative requirements, fulfilled while delivering a quality, cost-effective service.</p><br><p><strong>Continuous Improvement</strong></p><br></li><li><p>Participate in the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.</p><br><p><strong>Reporting</strong></p><br></li><li><p>Prepare sectional statements and reports timely and accurately to meet FAB and department requirements, policies and quality standards.</p><br><p><strong>Specific Accountability</strong></p><br></li><li>Staff must be accountable for accurate and timely Validation, Confirmation, Matching &amp; Settlement of all securities traded by Global Markets team.</li><li>Staff must make informed and educated decisions about how to deal with the problems encountered, and must be aware of when it is necessary to escalate issues to management.</li><li>Staff will be required to regularly communicate, interact and problem solve with the Banks Global Markets clients who are sophisticated investors so it’s imperative they are professional, knowledgeable and take ownership of any issues whilst ensuring the client is kept informed at all times.</li><li>Staff will be required to service the Operational requirements for various international FAB offices, specifically but not limited to London, Hong Kong, Oman, Singapore and Cayman Islands.</li><li><p>Staff should be aware of and adhere to any regulations as defined by the jurisdiction in operation.</p><br><p><strong>The Validation &amp; Confirmation of Global Market Trades</strong></p><br></li><li>Ensure all security transactions executed by the Global Markets trading team are validated within the agreed turnaround time within Murex.</li><li>Ensure all trade confirmations are sent to the Counterparties within the agreed turnaround time.</li><li>Ensure all deals matched through Omgeo system are allocated to on-boarded funds.</li><li><p>Ensure all Securities trades are uploaded into Euroclear, Clearstream, JP Morgan and Stanbic ready for settlement.</p><br><p><strong>The Settlements of the Global Market Trades</strong></p><br></li><li>Ensure all trades booked in Murex are matched on the agreed value date.</li><li>Transfer the net settlement amount to the custodian account before the cut off time.</li><li>Follow up with the Counterparties for all unsettled or unmatched trades.</li><li>Help in resolving all reconciliation issues.</li><li><p>Ensure all coupons and corporate actions are settled on time.</p><br><p><strong>General</strong></p><br></li><li>Report &amp; highlight all risk factors identified.</li><li>Participate in daily huddle meetings to raise any concerns or issues.</li><li>Strict adherence to the bank policies &amp; procedures.</li><li>Support the department in business development projects.</li><li>Ensure that all processes are documented in the relevant SOP and that they are kept up to date.</li><li>Ensure all KRIs reports are updated daily.</li><li>Ensure that all reporting requirements are adhered to.</li><li><p>Provide required support for all FAB International Locations Centralized within head office Global Market Operations.</p><br><p><strong>Frameworks, Boundaries &amp; Decision-Making Authority</strong></p><br></li><li>Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.</li><li><p>Authorized to take decisions as per the approved authorization matrix.</p><br><p><strong>REQUIREMENTS / QUALIFICATIONS</strong></p><br><p><strong>Minimum Qualification</strong></p><br></li><li><p>Bachelor’s degree in business, Accounting or related discipline.</p><br><p><strong>Minimum Experience</strong></p><br></li><li>5 years’ relevant experience in the banking sector with at least 2 years in similar positions of progressively increasing responsibilities in an Operations function.</li><li>Skills</li><li>Validation</li><li>Confirmation</li><li>Matching &amp; Settlement of securities</li><li>Capital Markets Operations</li><li>Global Markets Operations</li><li>Reconciliation monitoring and resolution</li><li>Life cycle event processing</li><li>Murex</li><li>Omgeo</li><li>Euroclear</li><li>Clearstream</li><li>JP Morgan settlement processing</li><li>Stanbic settlement processing</li><li>Corporate actions processing</li><li>Coupon processing</li><li>Collateral securities</li><li>Collateral cash</li><li>Initial Margin</li><li>Collateral Loan TRS</li><li>Repo, Reverse Repo, Islamic Repo, Equity Repo &amp; Triparty Repo</li><li>Bonds</li><li>Structured Bonds</li><li>Equity</li><li>MBills and TBills</li><li>Risk identification and escalation</li><li>SOP documentation and maintenance</li><li>Reporting</li><li>Team training and knowledge sharing</li><li>Continuous improvement</li><li>Stakeholder communication</li><li>Problem solving</li><li>Regulatory awareness</li><li>Business development support</li></ul><br> <b>About Us:</b><br> First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br> <b>Life at FAB:</b><br> Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to "Grow Stronger." We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br> <b>Career Development:</b><br> FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br> <b>Our Values:</b><br> At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br> Join our team and be part of a journey to shape the future of banking.<br> </div>

<p><h4>About the role</h4> <p>On behalf of our client, we are looking for a manager - value added services (VAS) to partner to lead the evolution of a scalable, multi-vertical payments ecosystem. This position is based in Dubai, UAE.<br> You will design and scale a plug-and-play VAS layer enabling products across mobility (ride-hailing), lending / microfinance, loyalty & rewards, and airtime & bills to seamlessly consume payment APIs—handling high-concurrency transactions with bank-grade security and compliance.</p> <h4>About the requirements</h4> <ul> <li>Own microservices-based architecture abstracting escrow, settlement & reconciliation</li> <li>Lead engineering for multiple high-growth verticals</li> <li>Ensure 99.9%+ uptime on AWS (EKS, Aurora, Redis, SQS, Lambda, Terraform)</li> <li>Drive event-driven architectures (Kafka/SQS) and AI adoption in engineering</li> <li>Lead, hire, and mentor a team of 15+ engineers</li> </ul> <h4>About you</h4> <ul> <li>10+ years in software engineering, 4+ years in senior leadership</li> <li>Strong fintech background (compliance, real-time settlement, bookkeeping)</li> <li>Experience building marketplace or lending platforms</li> <li>Proficiency in Go, Java, or Rust; cloud-native AWS expertise</li> </ul></p><p></p>

<section><p class="heading jdMain">Job Description</p><p class="heading">Roles &amp; Responsibilities</p><div class="paragraph"><ol type="1"><li><p><strong>Financial Operations</strong></p></li></ol><p>Ensure integrity of financial operations of the business. Will undertake the auctioning and processing of transaction between accounts. Produce reports, verifying information and reconciling balances. Review various accounting functions including accounts management, revenue accounting and collection monitoring.</p><ol start="2" type="1"><li><p><strong>Back Office Transaction</strong></p></li></ol><p>Supervises back-office transactions which include gathering client requirements from the customer service and marketing department, following up with the brokers and checking the client accounts on each transaction. Prepare regular reports to support daily trading transactions. Responsible for ensuring that regularity of transactions and for providing regular reports and confirmations to clients of the Company.</p><ol start="3" type="1"><li><p><strong>Documentation &amp; Controls</strong></p></li></ol><p>Supervises all documentation received from Customer Care Officers and Broker Representatives and ensures adequate controls are in place to identify and prevent insider trading.</p><ol start="4" type="1"><li><p><strong>Report Management /Reporting</strong></p></li></ol><p>Reviews management information reports summarizing daily transactions and formulate commission to be invoiced on each account. Develop periodic reports, financial plans and client reviews to be submitted to Head of Finance and Operation for his review. Monitors credit transactions vis-à-vis approved limits and submits reports accordingly to the Management.</p><ol start="5" type="1"><li><p><strong>MIS &amp; Performance</strong></p></li></ol><p>Assists the Head of Finance and operations to develop and maintain management information systems (MIS) and to develop and maintain business performance management mechanisms for the organization.</p><ol start="6" type="1"><li><p><strong>Technical Assistance</strong></p></li></ol><p>Provide technical assistance to the department and other department, such as conducting research on listed securities, managed funds, market conditions and government regulations.</p><ol start="7" type="1"><li><p><strong>Settlement</strong></p></li></ol><p>Will be responsible in preparing payments for settlement dues and compute daily net broker position for submission to the Executive Management. Will be responsible in assisting the Head of Finance and Operations in ensuring that all settlement obligations are paid as and when required. Will deal with Brokers to obtain required approvals and arrangements with regard trading limits – increases or deviations.</p><ol start="8" type="1"><li><p><strong>Liaison</strong></p></li></ol><p>Effectively interact with all internal departments, Customer Care Team and Brokerage and Brach Offices</p></div></section><section><p class="heading">Desired Candidate Profile</p><p class="paragraph"></p><ul><li><p>BSC in Accounting or a professional accounting qualification like ACCA, CPA</p></li><li><p>Five (8) years finance, administration, and back office transactions experience in the same industry</p></li><li><p>Financial and stock market trading business knowledge</p></li><li><p>High level understanding of back-office requirements in the same industry</p></li><li><p>High level communication skills in English and Arabic</p></li><li><p>Good analytical, judgmental and interpretative skills.</p></li><li><p>High level IT Skills</p></li></ul><br><p><strong>Preferred / Nice-to-Have Skills</strong></p><ul><li><p>Integrity</p></li><li><p>Leadership and teamwork</p></li><li><p>Attention to details</p></li><li><p>Initiative</p></li><li><p>Interpersonal skills</p></li></ul><p></p></section>

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> <span>You will build and lead the engineering team behind new online stock trading product, from zero to launch and beyond.<br> This is a founding engineering leadership role on a greenfield product in a domain where correctness is not negotiable: orders, positions, and money must be right every time, under latency and market-hours pressure.<br> You will hire the team, set the technical direction, and own delivery of a platform that handles real customer capital.<br> What you'll do Build and lead the trading engineering team from the ground up: hire, mentor, and grow engineers, and set the bar for a domain where a bug is a financial loss, not a ticket.<br> Own the technical strategy and architecture for the trading platform: order lifecycle and execution, market data ingestion and distribution, positions and portfolio, settlement and reconciliation.<br> Drive broker, exchange, and market data integrations, and the connectivity decisions that come with them.<br> Own reliability and correctness under market conditions: latency budgets, capacity for open and close and volatility spikes, idempotency, and reconciliation that proves the books are right.<br> Partner with product, compliance, risk, and finance so regulatory, KYC, AML, and audit requirements are designed in rather than retrofitted.<br> Establish the engineering practices this domain demands: rigorous testing, controlled release, incident response, and audit-grade observability across the order path.<br> Immediate, large-scale impact on a high-growth business Top-of-the-market compensation packages Work alongside top regional talent, with team members from Talabat, Careem, Etisalat, and more What you'll bring 8+ years in software engineering with 3+ years leading engineering teams, including hiring and growing engineers.<br> Direct experience building or operating online stock trading, brokerage, or capital markets systems.<br> This is a hard requirement: you have shipped order management, execution, market data, or settlement systems in production.<br> Working fluency in the domain: order types and lifecycle, market data feeds, clearing and settlement, corporate actions, and the reconciliation and audit expectations that come with regulated trading.<br> Strong hands-on technical judgment to lead architecture reviews and make correctness and latency tradeoffs.<br> Comfortable in a TypeScript, Go, Postgres, and AWS/local private cloud hybrid environments.<br> Experience working alongside compliance and risk in a regulated financial product.<br> The judgment to move fast on a greenfield product without compromising the correctness and controls the domain requires.<br> Nice to have Experience launching a retail trading or investing product from zero.<br> Exposure to FIX protocol or exchange and broker connectivity.<br> MENA or emerging-market financial services experience, including market entry and local regulatory context.<br></span> </div>