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3.  Risk & Capacity Building, and Organizational Transformation Specialist.
 Lecturer in Risk, Risk-Based Performance & Compliance
 University Lecturer: Economics, Risk, and Banking Operations
 Currently serves in the capacity of Chief Consultant with M.I.Fheili & Associates – Risk & Capacity
Building & Organizational Transformation Specialists.
Served as:
 Executive (AGM) at JTB Bank in Lebanon
 Senior Manager & Chief Risk Officer at Group Fransabank
 Senior Manager at BankMed
 An Economist at the Association of Banks in Lebanon
 Mohammad received his college education (undergraduate & graduate) at Louisiana State University
(LSU), and has been teaching Economics and Finance for over 25 continuous years at reputable
universities in the USA (LSU) and Lebanon (LAU).
 Finally, Mohammad published over 25 articles, of those many are in refereed Journals (e.g., Journal of
Money Laundering & Control; Journal of Operational Risk; Journal of Law & Economics; etc.) and
Bulletins.”
https://www.linkedin.com/in/mohammad-ibrahim-fheili-b39b582/
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4. M.I.Fheili&
Associates
JTBBank
Fransaba
nk
BankMed
AssociationOf
BanksIn
Lebanon-ABL
Miscellan
eous
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WorkExperience

5. ╚ Established 2005 – Present ╝
M. I. FHEILI & ASSOCIATES: Organizational Capacity Building Specialist
(Established with a fluid organizational structure)
+961.3.337175 & mifheili@terra.net.lb and mifheili@gmail.com
Chief Consultant Provides Consultancy and Training services in the following fields:
 Risk-Culture Awareness Building
 Organizational Capacity Building
 Operational Risk Management
 Performance Enhancement
 Risk-Based Human Resources Management
 Organizational Transformation
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Experience
M.I.Fheili&
Associates

6. ╚ January 2011 – October 2018 ╝
JAMMAL TRUST BANK s.a.l. (JTB Bank)
JTB Tower, Tahweeta Highway, Elias Hraoui Avenue. P.O.Box 11-5640 Beirut-Lebanon
+961.71.585660 & fheilim@jtbbank.com
Assistant General Manager (AGM) Reporting directly to the CEO.
 To secure corporate capacity and organizational readiness to achieve strategic plans &
objectives.
 Organizational Capacity Building: People, Infrastructure, Workflows, Policies & Procedures.
 Strategic Business Development Driver.
 Secure the Efficiency, Effectiveness and Compliance of the Credit Approval Process.
 My Direct Reports are: Corporate & SME, Retail, Credit Risk & Review, Credit
Administration, and Treasury
 A Key Member of the Risk, Governance & Compliance Team
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Experience
JTBBank

7. ╚ April 2006 - January 2008 ╝
FRANSABANK s.a.l.
Centre Fransabank (4th Floor), Hamra Street / Beirut – Lebanon
Deputy Division Head, HRM and Chief Risk Officer Reports to the Chairman.
The nature of my work had a great deal of strategic implications since it involves
building the capacity of the organization in terms of HR, and the Implementation of
the Basel Accord:
 Basel Accord Implementation, Operational Risk Framework, ICAAP, and RCSA
 Risk Management Policies & Procedures; BCP, Identification of Process-Based
Key Risk Indicators
 Process Design, Mapping and Re-Engineering, and Branch-Productivity
Improvement
 Board & Management Committees Member
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Experience
Fransabank

8. ╚ April 2001 - March 2006 ╝
BANQUE DE LA MEDITERRANEE (Currently BANK MED)
Group Med bldg., Clemenceau / P. O. Box 11-0348 Beirut – Lebanon
Senior Manager: Organizational Planning & Development Responsibilities include:
 Organizational Capacity Building; Operational Risk Framework
 HR Planning, and Budgeting
 Process Design, Mapping and Improvement
 Drafting and/or Reviewing Policies and Procedures.
 Committee Membership: Promotion, Re-Organization, IT System Migration, Orientation,
and Retail Banking SWOT Analysis.
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Experience
BankMed

9. ╚ February 1995 - March 2001 ╝
ASSOCIATION OF BANKS IN LEBANON - ABL
P. O. Box 976. Beirut, Lebanon
Academic Advisor: Responsibilities include planning, organizing, and executing activities related to
the development of human capital in banks.
Researcher: Responsibilities to perform economics, financial, and statistical analyses, and:
 Key Player in the implementation of the “Due Diligence Convention”
 Lead researcher in the first study on Retail Banking Services in Lebanon.
 Designed, and pushed towards the publication of the “Economic Letter”
 Major Contributor to ABL’s reshaping of the work of the Training Department.
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Experience
AssociationofBanksin
Lebanon

10. ╚ May 2004 – Present ╝
UNION OF ARAB BANKS
Head Office, Beirut - Lebanon
Training & Development Advisor to the Secretary General and the Head of the Training Unit In addition to my
participation in numerous training activities in the capacity of a Trainer.
╚ Spring 1995 – Fall 2016 ╝
LEBANESE AMERICAN UNIVERSITY
School of Business, Department of Finance & Accounting
Lecturer: Present course work in Financial Markets, Banking Operations and Risk Management.
╚ June 1988 - July 1995 ╝
MOORE, NEWMAN & ASSOCIATES, Economics and Risk Management Consultants
10615 Morning View Court, Baton Rouge, Louisiana – USA
Research Consultant Responsibilities include performing economics, financial and statistical analyses: Our
research work earned grant funds from the Pharmaceutical Manufacturing Association (PMA), and introduced
Health Care Economics, as a field of study in the doctoral program, to LSU
╚ January 1987 - December 1994 ╝
LOUISIANA STATE UNIVERSITY
Department of Economics C.E.B.A. 2107 - Baton Rouge, Louisiana – USA
Lecturer Present course work in the theory of economics (Money, Banking, and Financial Markets).
Student Counseling Worked closely with students regarding their choices of curriculum, and careers.
Research Assistant Assigned to deliver on various aspects of Economic Research.
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Experience
Miscellaneous

11. Master of Science: Economics
With emphasis on Money and Banking:
The role of credit institutions in the
channeling of funds
Bachelor of Art: Business Administration
With emphasis on Strategic Planning [Senior Project:
Technology Transfer and its Strategic Impact on Workforce
Composition in Less Developed Countries]
╚ Fall 1983 – Spring 1993 ╝
LOUISIANA STATE UNIVERSITY (LSU)
Baton Rouge, Louisiana 70803 United States.
Post-Graduate Research & Study:
▬ Successfully passed the PhD (Doctoral) Comprehensive Examination with Focus on Health
Care Economics with an External Minor in Financial Management.
▬ Completed research work in various areas of Applied Economics at the doctoral level such
as:
 Financing Health Care Expenditures,
 Implications of Drug Policies,
 Industrial Organization
 Market Economy
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Education

12.  Membership in Professional Groups:
Global Association of Risk Professionals (GARP)
LinkedIn Professional Networks:

Governance Risk Management & Compliance
 Managing Operational Risk
 Financial Risk & Regulations
 Financial Economists
 Compliance Alert Forum
 Consultant & Advisors Network

Published in a number of refereed Journals (Refer to Annex for a detailed list of articles):

My LinkedIn Page, I weekly publish short comments on current issues in Banking.
 Journal of Money Laundering & Control, U.K.’s Royal Institute of Advanced Legal Studies (Currently, Henry Stewart Publisher - UK)
 Journal of Financial Risk Management in Financial Institutions Henry Stewart Publications. Russell House, 28/30 Little Russell
Street London WC1A 2HN, UK
 Journal of Operational Risk, Incisive Media Publications, U. K.
 Health Care Financing Review, U. S. Health Care Financing Administration
 Acknowledged in Journal of Law and Economics, University of Chicago Press, Illinois, USA, for “exceptional research abilities” by
the authors.
 The Monthly Bulletin, Association of Banks in Lebanon
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Affiliations

13. ▬ I have participated, in the capacity of a Lecturer/Discussant, in numerous learning activities on Risk Management, Compliance and Capacity Building in
collaboration with:
 IDC Analyze The Future
 Compliance Week - CW
 ESA Business School
 Institut Pour La Finance Et La Gouvernance
 OPES Software
 JUSTICIA
 ISACA - Information Systems Audit & Control Association
 The Association of Banks in Lebanon
 Synergies Events
 Lebanese International University
 Thomson Reuters
 ESCWA – Lebanon Office
 The Union of Arab Banks (UAB)
 The World Union of Arab Bankers (WUAB)
 Banque Du Liban
 The Banking Control Commission of Lebanon - BCCL
 The Special Investigation Commission - SIC
 The International Monetary Fund
 Lebanese American University
 The Center for International Private Enterprise (CIPE).
 ARABCOM Group s.a.r.l
▬ I have worked with:
 The Iraqi Banking Community on risk and regulations under the umbrella of the Center for International Private Enterprise (CIPE) and the International
Monetary Fund (IMF).
 The Syrian and Jordanian Banking Communities on Basel II Implementation under the umbrella of the UAB
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Affiliations

14.  Proven expertise in “Risk Management”, “Anti-Money Laundering & Control”, “Capacity
Building”, and “Organizational transformation & Development”.
 Certified Trainer By CitiBank International Training Centre: Sales & Relationship Management;
Building Branch Capacity.
 PRINCE2 Certified Project Manager, process-based approach for project management Authorized
Trainer Pearce-Mayfield, UK.
 Received numerous recognitions from clients in my work as a Private Consultant especially in the
field of “Capacity Building,” “Basel II Implementation,” and Training in “Team Building/Coaching
and Workforce Productivity”.
 Received the “Excellence in Teaching Award” for 1992 and 1993, Louisiana State University
(LSU), Baton Rouge. USA.
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Expertise

15. Refereed
Journals
Industry
Bulletins
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Publications

16. ▬ “Information Technology at the forefront of Operational Risk: Banks are at a Greater Risk” Journal of Operational Risk,
Incisive Media Plc, London. Volume 6/Number 2, Summer 2011. Pp. 47 - 67
▬ “Employee Turnover: An HR Risk with Firm-Specific Context” Journal of Operational Risk, Incisive Media Plc, London.
Volume 2/Number 3, Fall 2007. Pp. 1 - 16
▬ “Developing Human Resources Key Risk Indicators – Know Your Staff (KYS) Practices” Journal of Operational Risk,
Incisive Media Plc, London. Volume 1/Number 3, Fall 2006. Pp. 71 - 85.
▬ “Lebanon’s Fight Against Money Laundering!” Journal of Money Laundering Control, UK’s Royal Institute of Advanced
Legal Studies, Spring 2001, Vol. 4, No. 3. Pp. 283 - 299
▬ “Drug Formulary Restrictions as a Cost-Containment Policy in Medicaid Programs” with William J. Moore and Robert J.
Newman, Journal of Law & Economics, Vol. XXXVI (April 1993). Pp. 71 –97 …. My contribution in this article rise to the
rank of a Co-Author, but ….
▬ “Measuring The Relationship Between Income And National Health Care Expenditures” with William J. Moore And
Robert J. Newman, Health Care Financing Review, United States Health Care Financing Administration Review, Fall 1992,
Vol. 14, No. 1; Pp. 133 – 139.
▬ “How to Breed a Financial Guru: Kindergarten Finance” Submitted to Parenting Journal, TJ Enterprises LLC;
http://www.parenting-journals.com.
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Publications–
Refereed

17. ▬ Weekly Publications on LinkedIn on issues related to Banking in Risk & Compliance, and Organizational Capacity.
https://www.linkedin.com/in/mohammad-ibrahim-fheili-b39b582/
▬ “Staff Development as a Means to Reducing HR Operational Risk: An Effective Talent Management Process” ABL’s Monthly Bulletin, Association of
Banks in Lebanon. September/October 2007. Pp. 30 - 38
▬ “Basel II & the Challenge of Compliance: A Focus on Operational Risk-Based Regulatory Capital” ABL’s Monthly Bulletin, Association of Banks in
Lebanon. August 2007. Pp. 26 - 36
▬ “The Evolution of the IT Function: From Pure Support to Innovation & Development” ABL’s Monthly Bulletin, Association of Banks in Lebanon. June
2007. Pp. 28 - 37
▬ “Basel II Organizational & Risk Management Maturity Requirements” ABL’s Monthly Bulletin, Association of Banks in Lebanon. December 2006. Pp.
23 - 35
▬ “Performance Management: A Tool For Organizational Effectiveness” ABL’s Monthly Bulletin, Association of Banks in Lebanon. August 2006. Pp. 15 –
27.
▬ “Employee-Incentive Plan & The HR Environment” ABL’s Monthly Bulletin, Association of Banks in Lebanon, May 2006. Pp. 21 – 32.
▬ “Compensation & The Art Of Retaining Your Best People” ABL’s Monthly Bulletin, Association of Banks in Lebanon, Mar. 2001. Pp.18 – 27.
▬ “Securitization: A Conceptual Framework!” ABL’s Monthly Bulletin, Association of Banks in Lebanon, December 2000. Pp.15 – 26.
▬ “Combating Money Laundering: Seemingly, A Very Long Journey To A Cooperative Status!” ABL’s Monthly Bulletin, Association of Banks in
Lebanon, Oct. 2000. Pp.16 – 25.
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Publications-
Others

18. ▬ “The e Revolution Or Evolution: A Closer Look” ABL’s Monthly Bulletin, Association of Banks in Lebanon, Aug. 2000. Pp.19 – 27.
▬ “Branching-Out In Cyberspace: It Is All In The Domain Name Registration” ABL’s Monthly Bulletin, Association of Banks in Lebanon, Apr. 2000.
Pp.17 – 20.
▬ “Regulators’ Dilemma: National Supervisors, International Markets” ABL’s Monthly Bulletin, Association of Banks in Lebanon, Jul. 1999. Pp.56 – 60.
▬ “A Preliminary Study On Banks’ Retail Customers In Lebanon: Awareness And Needs” with Imad Itani, Elias Ashkar, Amer A. Daou, and Isabelle
Souaiby; Association of Banks in Lebanon, ABL Working Papers Series, Sept. 1997.
▬ “The Lebanese Banking Industry (Recovery Period: 1990–1995)” with A. A. Daou, ABL’s Monthly Bulletin, Association of Banks in Lebanon, Oct.
1996. Pp.19 – 34.
▬ “The Lebanese Banking Industry: Performance Evaluation: 1985-1990” with A. A. Daou, ABL’s Monthly Bulletin, Association of Banks in Lebanon,
September 1996. Pp.21 – 37.
▬ “Infrastructure Projects: Uncertainty And The Burden Of Financing” ABL’s Monthly Bulletin, Association of Banks in Lebanon, Jan. 1996. Pp.36 – 39.
▬ “Foreign Trade And Deficits In Lebanon” ABL’s Monthly Bulletin, Association of Banks in Lebanon, Dec. 1995. Pp.17 – 33.
▬ “For Better or Worse: Mergers Are Unions Thought To Be Made In Heaven” ABL’s Monthly Bulletin, Association of Banks in Lebanon, Nov. 1995.
Pp. 27 – 28.
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Others

19.  Lebanese with no alternative Nationality
 Married to Dr. Salpie Djoundourian/LAU, with two children
(Michael-Abraham 17 and Danielle-Geena 23)
 Healthy, non-smoker, leads an active life.
 Enjoys the simple things in life like, Walking, Hiking,
Swimming, and Reading.
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