الخلفية

تمثل القروض غير المنتظمة تحدياً بالغ الأهمية أمام البنوك، نظراً لتأثيرها المباشر على الربحية، وكفاية رأس المال، ومستوى المخاطر الائتمانية بشكل عام، وتُعرَّف القروض المتعثرة أو التي تواجه مشكلات بأنها التسهيلات الائتمانية التي أصبحت قدرة العميل على سدادها تحت ضغط أو معرضة لخطر التعثر. ولا تقتصر هذه القروض على التسهيلات المصنفة بالفعل كقروض غير منتظمة، بل تشمل أيضاً الحسابات التي تظهر عليها مؤشرات مبكرة للتعثر، مثل تأخر سداد الأقساط، وتكرار طلبات إعادة الهيكلة، وضعف الأداء المالي، أو تراجع القدرة على توليد التدفقات النقدية

Background:

The global banking landscape is being reshaped by an increasingly complex geopolitical environment characterized by geopolitical tensions, economic fragmentation, trade disputes, sanctions, regional conflicts, cyber threats, supply chain disruptions, and the accelerating pace of technological and policy change. These developments have transformed geopolitical risk from a strategic concern into a core financial risk that can materially affect banks› capital adequacy, liquidity, operational resilience, profitability, and overall financial stability.

International standard setters and supervisory authorities increasingly expect banks to identify, assess, monitor, and manage geopolitical risks within their enterprise risk management, governance, stress testing, and capital planning frameworks. At the same time, banking supervisors are enhancing their supervisory methodologies to evaluate institutions› preparedness for geopolitical shocks and their potential systemic implications.

This intensive three-day workshop provides participants with a comprehensive framework for understanding how geopolitical developments translate into banking and prudential risks. It equips both banks and supervisory authorities with practical tools to identify emerging vulnerabilities, integrate geopolitical risk into governance and ICAAP processes, develop robust stress testing and scenario analysis frameworks, strengthen operational resilience, and enhance supervisory review and crisis preparedness.

By combining international good practices, supervisory perspectives, practical case studies, and simulation exercises, the workshop enables participants to build institutional resilience and strengthen their organizations› ability to navigate an increasingly uncertain global environment while safeguarding financial stability.

الخلفية

تلعب البنوك دورا مهما في النشاط الاقتصادي كونها احد الدعامات الأساسية للاقتصاد، من خلال دورها كشريان رئيسي للتمويل و الاستثمار  خاصة  ان استراتيجيات الائتمان المصرفي لها خصوصية كبيرة جدا في عملية الافصاح والعرض في القوائم المالية , لما يترتب عليه من مخاطر مستقبلية على المركز المالي للمصارف وبالتالي على الاقتصاد بالكامل ومنذ تداعيات الازمة الاقتصادية التي اجتاحت العالم الى الان , كانت الاسباب تحمل على قصور المعيار المحاسبي الدولي رقم (39) والصعوبة التي واجهها في الافصاح عن المخاطر الائتمانية المتوقعة والاعتراف بخسائر الائتمان للأدوات المالية

فجاءت الحاجة لإصدار المعيار الدولي الذي يحمل تعديلات كبيرة وتأثيرات متعددة على منشآت الاعمال بصورة عامة وعلى عمل القطاع المصرفي بشكل خاص، بما يظهر الجوانب المحاسبية والمالية ذات التأثير المباشر على المخاطر التي يمكن ان تتعرض لها المصارف  و مدي انعكاساتها علي القوائم المالية المرحلية والسنوية  والبيانات المالية والنسب الرقابية و متطلبات الجهات الرقابية و لجنة بازل

هيكلية البرنامج

يقدم هذا البرنامج في مستواه الأول مدخلاً عملياً ومنهجياً إلى عالم إدارة المخاطر المصرفية الحديثة، حيث يهدف إلى بناء فهم متين لدى الموظفين من المستوى المبتدئ وحتى الإدارة الوسطى للإطار العام للمخاطر وثقافتها المؤسسية، و يهدف الى تمكين المشارك من التعمق في مخاطر الائتان والسوق وصولاً إلى المخاطر التشغيلية ومخاطر المناخ والمخاطر الرقمية. و يركز على التطبيق العملي، وربط إدارة المخاطر بدورها الحقيقي في دعم الاسراتيجية وخلق القيمة داخل المصرف

Background:

In today’s increasingly volatile banking environment, Credit Risk Management has evolved beyond a traditional control function to become a strategic driver of institutional resilience, financial sustainability, and long-term profitability. This transformation is particularly critical for banks operating in emerging and stressed markets, where economic uncertainty, market volatility, geopolitical pressures, inflationary trends, foreign exchange fluctuations, and evolving borrower risk profiles continue to reshape the banking landscape.

Banks are increasingly required to strengthen their ability to identify, assess, monitor, and mitigate credit risk while maintaining sound portfolio quality, regulatory compliance, and sustainable growth objectives. At the same time, the final Basel III reforms and evolving supervisory expectations have significantly transformed the regulatory framework governing capital adequacy, provisioning, portfolio management, stress testing, governance, and enterprise-wide risk oversight.

In high-risk and uncertain operating environments, banking institutions must also enhance their resilience toward concentrated exposures, stressed borrowers, liquidity pressures, deteriorating asset quality, and changing market conditions. This requires stronger credit governance frameworks, enhanced early warning systems, prudent risk culture, and more forward-looking credit decision-making approaches aligned with international best practices and IFRS 9 requirements.

This highly practical workshop is designed to provide participants with a comprehensive and applied understanding of modern Credit Risk Management practices within today’s complex banking environment. The program combines international best practices with practical banking applications relevant to regional banking realities and focuses on the full credit risk lifecycle — from borrower assessment and credit underwriting to portfolio monitoring, regulatory compliance, problem loan management, and strategic risk oversight.

Through practical case studies, applied discussions, and real-world banking examples, participants will gain valuable insights into the methodologies, tools, governance frameworks, and strategic approaches required to strengthen institutional resilience, enhance credit quality, optimize risk-adjusted returns, and support sound banking decision-making in increasingly challenging operating conditions.

Background:

This immersive 3-day training program is designed to help marketing professionals, strategists, digital teams, and business leaders understand how Artificial Intelligence is transforming modern marketing. The program combines strategy, practical applications, hands-on exercises, live demonstrations, and future-focused thinking.

Participants will explore how AI can enhance customer understanding, automate workflows, accelerate content creation, improve campaign performance, optimize personalization, and reshape marketing operations.

PRÉSENTATION GÉNÉRALE:

Dans un environnement marqué par l’intensification des contrôles réglementaires, la multiplication des sanctions financières et l’internationalisation des flux, la gestion des risques de blanchiment de capitaux et de financement du terrorisme constitue un enjeu stratégique pour les établissements financiers.

Les établissements financiers ne sont plus uniquement évalués sur la conformité formelle de leurs dispositifs, mais sur leur capacité effective à détecter, analyser et traiter les risques, dans une logique à la fois managériale (gouvernance, arbitrage des risques, culture de conformité), opérationnelle (connaissance client – KYC, surveillance des opérations, traitement des alertes), juridique (respect des obligations légales et réglementaires) et judiciaire (exposition aux sanctions, contentieux et responsabilités).

Le programme se distingue par une approche croisant pratique bancaire, analyse réglementaire et retour d’expérience issu du contentieux. Dans ce contexte, il apporte une valeur concrète aux établissements financiers en contribuant à renforcer la fiabilité des dispositifs de LCB-FT, à améliorer la
prise de décision en environnement incertain et à limiter les risques de défaillance susceptibles d’entraîner des sanctions réglementaires et des
impacts réputationnels significatifs.

Il constitue ainsi un véritable outil d’aide à la décision pour les établissements confrontés à des situations à risque. Reposant sur une approche intégrée, il s’appuie sur le cadre juridique marocain, les standards du GAFI, ainsi que sur des décisions et pratiques internationales issues notamment de la France, de l’Union européenne, des États-Unis et de la région MENA, tout en mobilisant des études de cas inspirées de situations bancaires réelles.

Il intègre les spécificités du cadre marocain ainsi que les attentes des autorités de supervision, en tenant compte des pratiques de contrôle et des exigences opérationnelles des établissements financiers. Les études de cas, inspirées de situations rencontrées au Maroc et à l’international, occupent à cet égard une place centrale et permettent de confronter les participants à des situations opérationnelles concrètes, proches de leurs réalités professionnelles.

La formation vise ainsi à renforcer la capacité des participants à analyser les risques, à prendre des décisions éclairées et à sécuriser les opérations dans un environnement réglementaire particulièrement exigeant.

Background:

 As Artificial Intelligence (AI) transforms business processes, internal auditors must adapt by integrating AI into risk assessment, fraud detection, compliance monitoring, and audit analytics. As more organizations embed AI into finance, operations, and customer-facing workflows, audit teams also need the skills to assess new AI-related risks (data quality, model bias, automation errors) and use AI responsibly to strengthen assurance.

This 3-day Redefining Internal Audit with AI training provides auditors with the knowledge and practical tools to leverage AI for data-driven decision-making, streamline selected audit procedures, and enhance risk detection capabilities without compromising professional judgment and audit standards.

The program covers AI fundamentals, machine-learning applications in auditing, predictive analytics for risk assessment, and AI-powered audit tools. Participants will explore practical AI use cases in internal auditing (e.g., anomaly detection and continuous monitoring), regulatory and governance considerations, and how to integrate AI into audit frameworks, methodology, and reporting.

BACKGROUND:

The Crisis Readiness Series is a strategic program designed to equip banking leaders and practitioners with the tools and decision-making frameworks needed to navigate severe geopolitical escalations. As the financial landscape grows increasingly volatile, the program focuses on anticipating, managing, and responding to complex risks that can threaten
institutional stability and resilience.

Background:

This three-day masterclass provides banking leaders, regulators, risk officers, and digital transformation executives with a comprehensive roadmap to modernize their institutions in the era of Open Banking, AI, cloud, digital assets, and emerging technologies.

Aligned with Bahrain Economic Vision 2030 and the CBB Open Banking Framework, the course explores how banks can transition from traditional financial institutions to intelligent, platform-based financial ecosystems. Participants will examine both the innovation imperative and the risk governance challenge, ensuring growth without compromising trust, compliance, or stability.

Background:

Artificial Intelligence is transforming how organizations attract, develop, engage, and retain talent. From AI-driven recruitment and workforce planning to predictive attrition analytics and personalized learning, HR is becoming data-driven and strategically influential.

This program equips HR professionals with practical AI applications across the employee lifecycle. It focuses on real-world use cases, governance considerations, ethical risks, and implementation strategies — without requiring technical expertise.

Participants will learn how to leverage AI to improve hiring quality, employee engagement, productivity, compliance, and decision-making.

الـخـلـفـيـة

التحول الرقمي في البنوك والخدمات المصرفية – من التحديث إلى إعادة التعريف

لم يعد التحول الرقمي في القطاع المصرفي خيارًا تكتيكيًا أو مشروعًا تقنيًا مؤقتًا، بل أصبح مسألة بقاء وتنافسية وسيادة مؤسسية. فالعالم المصرفي يشهد اليوم تحولات جذرية تقودها تقنيات الذكاء الاصطناعي، البيانات الضخمة، الحوسبة السحابية، والفينتيك، ما أعاد تعريف مفهوم البنك، ودوره، ونموذج أعماله، وعلاقته بالعميل

العملاء لم يعودوا يقارنون بنكًا ببنك… بل يقارنون البنك بتجربتهم مع أمازون، وآبل، وفينتك ناشئة تعمل بعقلية رقمية خالصة

والسؤال لم يعد: هل نتحول رقميًا؟

بل أصبح: هل نعيد هندسة البنك ليبقى ذا معنى في عصر الذكاء الاصطناعي؟

سوف يطرح هذا البرنامج التحول الرقمي كرحلة إعادة بناء شامل لا كبرنامج يقدم التحول الرقمي كتركيب أنظمة أو أتمته إجراءات

PROGRAM STRUCTURE:

5 COHORTS / distributed on 4 seasons,

• Cohort 1: “Foundations of Basel III & Basel IV – Capital, Liquidity, & Risk Architecture” 
• Cohort 2: “Advanced Basel III/IV – Market Risk, Stress Testing & ICAAP/ILAAP” 
• Cohort 3: “Basel III/IV Application, Compliance, ESG, & Integrated Risk Management” 
• Cohort 4: “Evolving Digital Risks – Market Risk – Case Studies “ 
• Cohort 5: The Annual forum for Chief Risk Officers in the Arab banks 

Background:

This three-day masterclass, “The Future of Money: Banking Innovation & Embedded Finance,” provides internal auditors and banking leaders with a dual roadmap: first, modernizing the “internal engine” of the bank, and second, extending that power into external ecosystems.

Aligned with the Qatar National Vision 2030, the course begins by exploring the latest trends in banking innovation—from cloud-native core systems and “Agentic AI” to digital identity and the “National Fintech Strategy”. Participants then master the mechanics of Embedded Finance, learning how to weave banking services invisibly into non-financial platforms like e-commerce, logistics, and government portals.

الخـلـفـيـة

لا تزال عمليات غسل الأموال وتمويل الإرهاب تشكل مصدر قلق عالمي على الرغم من القوانين الدولية والإقليمية والوطنية الصادرة لمكافحة هذه الآفة. ان هذه العمليات الإجرامية الخطيرة يمكن أن تحدث في أي مكان في العالم، حيث أصبحت الأماكن المرشّحة لها معروفة وهي تشمل: الدول التي لا تفرض أي قيود على الصرف الأجنبي، والتي لا تطبّق نظام سرية الحسابات المصرفية، الدول التي لا تتبنى قوانين مكافحة غسل الأموال، بالإضافة إلى تلك التي تعاني من الإنحلال والتراخي والفوضى، والتي تعاني من ضعف الأجهزة الرقابية والأمنية القضائية

ولعل أهم الأسباب التي ساهمت في إنتشار هذه الآفة الخطرة تتمثل في البحث عن الأمان وإكتساب الشرعية، سعي بعض الدول إلى جذب الإستثمارات الأجنبية مع ضعف في الرقابة المصرفية، وتباين التشريعات وقواعد الإشراف والرقابة بين الدول المختلفة مما يفسح المجال امام وجود ثغرات تنفذ من خلالها الأموال القذرة ويتم تنفيذها عن طريق خبراء متخصصين ومحترفين، فضلاً عن إنتشار الفساد السياسي والإداري في بعض الدول، وتردد البعض في وضع التشريعات والضوابط لمواجهة غسل الأموال وتمويل الإرهاب

وفي إطار سعيه منذ سنوات لتحقيق تعاون دولي فاعل في مجال كشف ومكافحة وضبط حالات غسل الأموال وتمويل الإرهاب، التي أصبحت ذات صيغة دولية عابرة للمجتمعات والدول، أنشاء إتحاد المصارف العربية  لهذه الغاية منصّة حوار بين البنوك العربية، والبنوك الأوروبية، حيث عقد عدّة مؤتمرات في مجلس الإحتياطي الفدرالي، والخزانة الأميركية، والكونغرس الأميركي، وعقد مؤتمرات أخرى في مقر منظمة التعاون والتنمية في باريس (OECD) سعياً لتطوير تحالفات إستراتيجية في إطار مكافحة غسل الأموال وتمويل الإرهاب، إنطلاقاً من إيماننا بالعلاقة المباشرة بين الوكالات الحكومية والمحليّة، والأجهزة الأمنية، والأجهزة القضائية، والبنوك . وقد طوّر الإتحاد علاقات وثيقة مع القطاع العام لتعزيز مشاركته في جميع الفعاليات ذات الصلة

من هنا جاءت أهمية هذه الورشة التي سوف ينظمها إتحاد المصارف العربية والتي تهدف إلى  تسليط الضوء على التحديات التي تواجه المصارف في مجال الإلتزام بالمعايير الدولية لمكافحة غسل الاموال وتمول الإرهاب ومدى إستعداد المصارف العراقية للإمتثال لهذه المعايير

Background:

The Certified Anti-Corruption Manager (CACM) Review Course is a high-impact, five-day program developed by The American Anti-Corruption Institute (AACI) to empower decision-makers with actionable anti-corruption intelligence across sectors. Designed for executives, public officials, and professionals in governance-critical roles, this intensive training bridges the gap between theory and operational reality. Participants engage deeply with key domains, including internal control, corruption schemes, governance, whistle blowing frameworks, money laundering schemes, financial statement fraud, and the disruptive impact of emerging technologies such as artificial intelligence and blockchain. More than a certification prep course, the CACM experience equips leaders with the mindset, methods, and mechanisms to prevent corruption before it embeds itself—through smarter decisions, stronger systems, and measurable safeguards.

COURSE INTRODUCTION:

This three-day course, “Governance Assurance in Banking: Risks, Roles, and Realities,” provides internal auditors with a comprehensive understanding of how to evaluate and strengthen corporate governance within banks. It explores the essential pillars of good governance, including board and committee effectiveness, ethical culture, accountability structures, and the integration of governance with risk and compliance functions. Participants gain insight into international governance frameworks and learn how to identify weaknesses, gaps, and risks that may undermine sound oversight and decision-making.

The program emphasizes practical application, guiding auditors through
the process of assessing governance effectiveness, testing cultural and behavioral indicators, and formulating impactful audit findings. By the end of the course, participants will be equipped to provide meaningful governance assurance, deliver actionable recommendations, and position internal audit as a key driver of transparency, trust, and performance in the banking sector.

CONTEXTE:

La probabilité et l’impact de l’exploitation des actifs des entreprises augmentent en raison de l’usage del’intelligence artificielle, de la disponibilité d’outils publics et de l’émergence continue de nouvelles vulnérabilités. Une formation continue en cybersécurité est essentielle pour faire face à cette tendancecroissante et réduire l’écart croissant entre les attaquants et les professionnels de la sécurité.

Background:

This webinar explores the major digitalization trends reshaping trade finance and payment operations worldwide. Banks and corporates are moving from paper-based, manual processes toward fully digital, data-driven workflows supported by global initiatives such as the ICC Digital Trade Roadmap and UNCITRAL’s MLETR. Technologies such as OCR/ICR, APIs, digital signatures, and trade finance portals are enabling faster processing, enhanced compliance, and stronger operational controls.

Fintech disruption — especially blockchain, smart contracts, and digital Letters of Credit— is transforming how documents, assets, and settlements flow across the trade ecosystem. Digital LCs and digital negotiable instruments significantly reduce cycle times and increase transaction transparency.

The seminar also covers the rise of electronic Bills of Lading (eBLs), their legal recognition through MLETR, and their impact on cargo release, fraud mitigation, and interoperability among carriers and banks.

Finally, participants will explore advanced trade instruments — including SBLCs, demand guarantees, supply chain finance, forfeiting, factoring, structured commodity finance, and risk participation—highlighting operational requirements, risk considerations, and modern structuring practices across global markets.

المقدمة

اصدرت لجنة بازل للرقابة المصرفية في ديسمبر 2017 الورقة النهائية التي تتضمن مجموعة من التعديلات على المناهج المعيارية لقياس وإدارة المخاطر الائتمانية ومخاطر التشغيل والتى تعتبر بمثابة المراجعة النهائية لاتفاقية بازل 3 أو ما يصطلح على تسميته بازل4

إن هذه المراجعات والتعديلات تعتمد على تقليص الفجوة بين المناهج المعيارية والمناهج الداخلية بما يخص قياس مخاطر الائتمان، كما تفرض منهجا جديدا لاحتساب المتطلبات الرأسمالية لتغطية مخاطر التشغيل. وكانت لجنة بازل قد انتهت من التعديلات النهائية على مناهج احتساب مخاطر السوق فى يناير 2019 على أن تدخل كل هذه التعديلات حيز التنفيذ بحلول يناير 2024 مع وجود امكانية للتمديد حتى 2028 حسب قرار السلطات الرقابية

من شأن هذه التعديلات أن تشكل ضغطا على رساميل المصارف، حيث يتوجب البدء فورا بالتحضير لمرحلة الالتزام عبر تحسين نوعية الرساميل و الموجودات المرجحة بأوزان المخاطر، ورفع مستويات التحوط واتباع سياسة تسليف واستثمار أكثر انتقائية

تعالج المتطلبات الجديدة عددا من أوجه القصور في الاطار التنظيمي لمرحلة ما قبل الازمة المالية العالمية، وتوفر الاساس التنظيمي لنظام مصرفي مرن يدعم الاقتصاد الحقيقي. إن الاحتساب المتزن وذي المصداقية للموجودات المثقلة بالمخاطر هو جزء لا يتجزأ من مقياس كفاية رأس المال المبني على المخاطر

Background:

This elite-level executive workshop is designed to equip senior leaders with the insight, tools, and frameworks required to manage escalating financial crime risks in an era of digital acceleration, regulatory convergence, and global enforcement pressure.

Drawing on case studies from the US, UK, EU, and FATF jurisdictions — and translated directly to GCC realities — the programme focuses on how Arab banks can proactively detect, mitigate, and govern financial crime risks while remaining aligned with both local supervisory frameworks and international obligations.

Led by Dean Rowan — a practitioner who has led DOJ-directed remediation for a major U.S. bank, advised central banks under Article 111 enforcement regimes, and serves as the Middle East representative on the Global Technical Board of the International Compliance Association (ICA) — the course delivers practical, tested strategies from inside real enforcement, not academic theory.

Participants will gain exposure to cross-border enforcement dynamics, AI- and crypto-enabled financial crime typologies, governance and culture failures, and the practical implementation of next-generation AML/CFT frameworks that satisfy both business realities and regulator expectations.
This is not an academic seminar — it’s access to the actual playbook used in real-world bank remediation, supervision, and transformation.

Background:

Managing Non-Compliance Risks: A Framework, Analysis, and Practices Approach is an intensive three day program designed to equip compliance and risk professionals with the tools, frameworks, and practical insights to manage non-compliance risks effectively. The course provides a deep exploration of AML/CFT risk management, international sanctions compliance, and tax compliance, integrating both local Kuwaiti requirements and global best practice standards.

Through lectures, interactive discussions, and case studies, participants will learn how to design and test compliance frameworks, integrate non-compliance risk into strategic planning, and communicate effectively with boards, regulators, and executive committees.

Background:

The accelerating geopolitical developments in the Eastern Mediterranean region and some other areas of the world, will increase uncertainty in the Arab region and necessitate addressing the challenges of heightened banking risks.

Additionally, technological advancements influencing the banking profession, including risks associated with artificial intelligence, cybersecurity, digital transformation, and financial fraud, as well as climate change, place new burdens and responsibilities on risk management professions which must interact with these developments and
work to mitigate their potential risks.

All these emerging topics will be discussed and addressed at this international forum organized by the Union of Arab Banks, in collaboration with the Central Bank of Oman.

Background:

The Middle East banking sector stands at the crossroads of digital ambition and AI-driven reinvention. Governments across the region — from the UAE to Saudi Arabia and Qatar — are actively shaping AI policies, launching national strategies, and investing in innovation ecosystems. Banks have embraced digital transformation, but the next wave of competitiveness lies in becoming truly AI-native.

As Vision 2030, Digital Dubai, and Bahrain FinTech Bay initiatives mature,
the pressure is mounting on banks to move beyond digitization and unlock
the full potential of Generative AI (GenAI) and Agentic AI. This shift isn’t
just technological; it’s a structural evolution that will define leadership in the financial sector for decades to come.

Background:

Embark on a transformative learning journey with our comprehensive “Fintech and Blockchain: A Practical Guide to Cryptocurrencies, Bitcoins, and Global Markets” course.

This workshop provides banking professionals with essential knowledge of Fintech and blockchain technologies, emphasizing their role in driving digital transformation in the financial sector. Participants will explore the evolution of financial technology, the adoption of blockchain and cryptocurrencies, and the regulatory frameworks shaping the industry.

Through real-world use cases and interactive discussions, the program highlights key innovations like decentralized finance (DeFi), Central Bank Digital Currencies (CBDCs), smart contracts, and Non-Fungible Tokens (NFTs). Attendees will also learn strategies to address cybersecurity risks and ensure compliance in a rapidly evolving digital ecosystem.

By combining theoretical insights with practical applications, the workshop empowers participants to embrace innovation, foster sustainable growth, and lead their organizations in the financial industry’s future.

Background:

The COBIT Foundation course is designed to help COBIT 2019 users gain a more in-depth understanding of the COBIT Framework and provide attestation of the individual’s knowledge of the concepts, principles and methodologies used to establish, enhance and maintain a system for effective governance and management of enterprise information technology.

The COBIT Foundation course validates your understanding in how to align IT goals with strategic business objectives—including the value derived from IT, necessary resources and potential risks in the process of building a mature relationship between the business and IT.

The COBIT Foundation course enable you to be certified and get a reputable and recognized professional degree in the enterprise governance of IT.

Background:

Since the dynamics of AML/CFT & sanctions landscape are becoming more complex and multi-layered, financial institutions need to beef up their compliance frameworks in order to absorb this unprecedented regulatory pressure and scrutiny. In an interconnected globalized economy surrounded by uncertainty and geopolitical risks, managing money laundering, proliferation, terrorism financing, and sanctions threats is a top priority for financial institutions in order to avoid monetary penalties and reputational harm. Besides, given the overarching impact of sanctions on international trade operations and supply chains, it has become inevitable for  financial institutions to asses counter party risks or the other
side of the transaction, identify dual-use goods, seek trade licenses, adopt technology-driven screening tools, scrutinize sources of funds & wealth, and establish enterprise-wide financial crime risk management framework.

Having said that, this international sanctions certification is expected to provide attendees with the necessary tools and insights on how to comply with global sanctions regime and heed extra-territorial regulatory risks. Attendees will grasp the intricacies of sanctions as a strict liability, and navigate sectoral sanctions, UN, OFAC, EU, & UKHMT sanctions programs. Throughout the course, there is ample opportunity for participants to walk through modern KYC-KYE processes, screening technologies, trade restrictions, sanctions evasion techniques, due diligence measures, prohibited and dual-use goods, UBO identification, wire-stripping schemes, control versus ownership prong & thresholds, exposure to PEPs, and a myriad of other financial crime and sanctions risks.

This training is conducted by experts in the field of compliance in general and AML/CFT and sanctions in specific. This training will raise the chances of attendees in passing the CGSS exam and enjoying a world recognized certificate from ACAMS.

Background:

With financial crime, any news is bad news, and there has been no shortage of bad news lately. Whether the topic is the loss of monetary or informational assets, regulatory scrutiny, or costly reputational damage, the issue of financial crime and the wider effects on the financial industry are in the headlines now more than ever before. But while the effects of financial crime are apparent, efforts to prevent it are not as easily executed.

Financial services organizations have the difficult task of effectively identifying the greatest risks to themselves and to their customers, protecting both parties against unnecessary risks and satisfying regulatory requirements for greater transparency, awareness, and consolidation of information across the organization.

For many such organizations, this challenge is compounded by a stagnant or even shrinking budget allocation, making these tasks even more daunting. Financial services organizations are increasingly realizing that they must move beyond the traditional reactive and silo-based approach toward a more comprehensive Financial Crime Risk Management strategy.

Background:

Lending activity has been historically the cornerstone of a bank›s operations, representing both a key revenue driver and a primary channel for facilitating economic growth. Banks extend credit to individuals, businesses, and governments, fostering investment, consumption, and job creation across the economy.

Currently, the financial sector is facing a period of profound regulatory transformation, especially in the area of lending. New and evolving rules and frameworks, such as Basel IV and considerations around ESG factors, are reshaping the way banks manage credit risk, assess profitability, and maintain regulatory compliance. These changes require banks to rethink their lending strategies, particularly in areas like credit activity, capital adequacy, and exposure management.

As banks increasingly navigate these evolving regulations, understanding the balance between fostering credit growth and maintaining robust risk management practices has never been more critical. Stricter capital requirements, more detailed reporting expectations, and rising demands for ESG compliance all necessitate that banks reassess their lending strategies and risk models to meet regulatory standards without sacrificing profitability or competitiveness.

This workshop will provide participants with a deep dive into the challenges and opportunities in lending under the evolving regulatory landscape. Through a comprehensive review of relevant regulatory frameworks and practical applications, attendees will gain valuable insights into how to navigate the increasingly complex environment of credit risk and lending.

Background:

In today’s dynamic financial landscape, do you possess the strategic clarity to unlock hidden profitability within your funding structures? This workshop isn’t just about understanding Asset Liability Management and Funds Transfer Pricing – it’s about mastering them.

In the competitive arena of financial services, strategic advantage hinges on your ability to optimize your balance sheet and accurately price your funds. This isn’t just about compliance; it’s about performance. We delve into the core principles and explore applications, empowering you to make informed decisions that directly impact your bottom line and long-term resilience.

Feeling like you’re navigating a complex maze of financial risks and opaque funding costs? This workshop offers a clear pathway to understanding and controlling your institution’s financial risks and profitability. We demystify the intricacies of Asset Liability Management and Funds Transfer Pricing, providing you with the essential knowledge and practical tools to bring transparency and efficiency to your operations. Gain the confidence to proactively manage interest rate risk, optimize liquidity, and implement a Funds Transfer Pricing framework that truly reflects your business realities.

الخـلـفـيـة

يمثل الشمول المالى بُعداً هاماً في استراتيجية التنمية المستدامة لما له من أثر في تحسين فرص النمو الاقتصادي والاجتماعى وتعزيز الاستقرار المالي، وقد تبنت مجموعة العشرين الشمول المالى كأحد المحاور الرئيسية في أجندة التنمية الاقتصادية والمالية، كما ساهم التطور المتسارع في تكنولوجيا المعلومات والاتصالات في ظهور العديد من شركات التكنولوجيا المالية وتقديمها العديد من الخدمات المالية ونماذج الأعمال المبتكرة التي سرعان ما تحولت إلي منافساً قوياً للمصارف التقليدية ، الأمر الذي استلزم علي تلك المصارف ضرورة التحول الرقمي في بعض نماذج الآعمال والخدمات المصرفية مثل تقديم الخدمات عبر الهاتف المحمول والخدمات المصرفية بدون فروع بنكية ، وقد ساهم هذا التحول في تحسين تجربة العميل وتيسيير وصول الخدمات للفئات المستبعدة مالياً وتعزيز الشمول المالي

الخلفيـة

تهدف هذه الورشة إلى تقديم رؤية واضحة حول آخر التطورات ذات العلاقة بالعقوبات المالية وتحديد أنشطة التهرب من العقوبات وستغطي التقنيات والاتجاهات الجديدة التي يمكن أن يستخدمها الإرهابيون أو التنظيمات الإرهابية إضافة إلى أفضل الممارسات المستخدمة في تعقب وتجميد ومصادرة أصول الإرهابيين

كما سيتم تسليط الضوء على الإطار القانوني والمؤسسي للعقوبات المالية، فضلا عن العقوبات أحادية الجانب ذات الاختصاص القضائي خصوصاً الصادرة عن الولايات المتحدة الأمريكية والاتحاد الأوروبي وكيفية التعامل مع تلك العقوبات

وتهدف الورشة إلى تقديم فهم شامل لتمويل انتشار التسلح واّلياته وفهم وتحديد المخاطر وتقييمها بجانب تقديم رؤى حول الإطار القانوني الدولي الذي يحكم تمويل الانتشار، بما في ذلك قرارات الأمم المتحدة وتوصيات مجموعة العمل المالي، والاطلاع على التجارب بشأن تطبيق العقوبات المالية المستهدفة والكشف عن
اساليب التهرّب من العقوبات ومؤشرات الاشتباه والأنماط المتبعة في التهرب من العقوبات المالية المستهدفة

وتركز الورشة بشكل خاص على موضوع التهرب من العقوبات من خلال تسليط الضوء على تعريف التهرب من العقوبات والتحذيرات التي تساعد في تحديد أنشطة التهرب من تمويل الإرهاب وتمويل انتشار الأسلحة وأنشطة التهرب من العقوبات المالية المستهدفة والالتزام برفع تقارير بشأن الإبلاغ عن المعاملات المشبوهة، فضلا عن نماذج ودراسات حال ذات صلة

Background:

As artificial intelligence continues to reshape the global financial landscape, banking institutions across the Arab region must prepare to strategically embrace AI not just as a tool, but as a transformational force. This executive training, designed specifically for banking leaders, provides a comprehensive roadmap for AI adoption—from vision-setting and governance to real-world applications in customer service, risk management, and compliance. With a strong focus on global best practices and regional relevance, this program will equip leaders with the knowledge and tools to drive institution-wide AI transformation in alignment with regulatory frameworks and evolving customer expectations.