Arthur-Lawrence-logo

Skill Inventory Matrix

Enabler for Internal Mobility Program

Comparison Table
Records
ID Sector Division Department Unit Technical Skills
1801 Business Operations Knowledge of end-to-end banking operations, including account opening, loans, cards, and treasury, to ensure seamless execution and service delivery.
1802 Business Operations Knowledge of regulatory compliance frameworks, such as SAMA, Basel III, and PCI-DSS, for operational alignment and audit readiness.
1803 Business Operations Knowledge of treasury management systems(Murex), T24, Bloomberg, and SAMA Workstation.
1804 Business Operations Knowledge of fraud monitoring tools and case management systems to handle chargebacks, disputes, KYC/AML, and enhance customer protection.
1805 Business Operations Ability to perform processes of settlement, reconciliation, and dispute management to ensure timely resolution and financial accuracy.
1806 Business Operations Ability to design and implement operational risk controls and governance frameworks to mitigate process, compliance, and recovery risks.
1807 Business Operations Ability to optimize operational processes by applying service quality metrics.
1808 Business Operations Ability to manage and operate core banking systems and transaction processing platforms for operational continuity and efficiency.
1809 Business Operations Account Opening & Payment Knowledge of SAMA’s regulatory requirements, KYC/AML frameworks, and biometric verification processes.
1810 Business Operations Account Opening & Payment Knowledge of domestic and international payment channels including SARIE, SWIFT, Mada, and SADAD.
1811 Business Operations Account Opening & Payment Knowledge of regulatory and compliance reporting formats required by SAMA and international bodies.
1812 Business Operations Account Opening & Payment Knowledge of reconciliation platforms and exception management workflows to ensure accuracy, identify mismatches, and resolve breakages in settlement cycles.
1813 Business Operations Account Opening & Payment Ability to identify and investigate suspicious transactions, manage chargebacks, and resolve disputes.
1814 Business Operations Account Opening & Payment Ability to initiate, validate, and monitor high-value fund transfers using SWIFT, RTGS, and related treasury payment systems.
1815 Business Operations Account Opening & Payment Ability to document, track, and resolve customer issues using CRM and case management systems to enhance onboarding and payment-related support.
1816 Business Operations Account Opening & Payment Ability to generate dashboards, perform reconciliation analysis, and deliver actionable insights using MS Excel, Power BI, and operational tools like Tanfeeth.
1817 Business Operations Account Opening & Payment Accounts Operations Knowledge of operational workflows for onboarding, account maintenance, and closure across Retail and Corporate segments, including regulatory updates and internal governance protocols.
1818 Business Operations Account Opening & Payment Accounts Operations Knowledge of test case development, scenario validation, and defect tracking to support successful deployment of system enhancements and account services automation.
1819 Business Operations Account Opening & Payment Accounts Operations Knowledge of compliance requirements governing customer onboarding, account revalidation, and periodic KYC updates as per SAMA and internal standards.
1820 Business Operations Account Opening & Payment Accounts Operations Ability to design, document, and implement standard operating procedures, risk controls, and escalation mechanisms for all account-related activities.
1821 Business Operations Account Opening & Payment Accounts Operations Ability to translate business needs into clear, actionable Business Requirement Documents and Change Requests, ensuring alignment with functional specifications.
1822 Business Operations Account Opening & Payment Accounts Operations Ability to assess technical readiness for product rollouts, influence solution design, and contribute to deployment plans that ensure operational efficiency and scalability.
1823 Business Operations Account Opening & Payment Accounts Operations Ability to use platforms such as T24, CRM systems, and workflow engines.
1824 Business Operations Account Opening & Payment Payments Operations Knowledge of domestic (SADAD, SARIE, Mada) and international (SWIFT, RTGS) payment channels.
1825 Business Operations Account Opening & Payment Payments Operations Knowledge of regulatory reporting processes, audit readiness, and compliance requirements as per SAMA standards.
1826 Business Operations Account Opening & Payment Payments Operations Knowledge of managing risk reviews, audit observations, and defining corrective action plans aligned with departmental strategy and budget.
1827 Business Operations Account Opening & Payment Payments Operations Knowledge of business continuity protocols and disaster recovery (DR) operations.
1828 Business Operations Account Opening & Payment Payments Operations Ability to participate in the end-to-end lifecycle of new initiatives, from BRD drafting and demand validation to project go-live and operational deployment.
1829 Business Operations Account Opening & Payment Payments Operations Ability to design, enhance, and enforce policies and procedures related to payments.
1830 Business Operations Account Opening & Payment Payments Operations Ability to monitor reconciliation reports, resolve outstanding items, and ensure transactional integrity across multiple systems and stakeholders.
1831 Business Operations Account Opening & Payment Payments Operations Ability to use payment engines, CRM, reconciliation platforms, Excel, and MIS tools.
1832 Business Operations Account Opening & Payment Other Settlement & Exception Knowledge of complaint lifecycle management, including SAMA Cares handling, SLA tracking, and escalation protocols.
1833 Business Operations Account Opening & Payment Other Settlement & Exception Knowledge of the full suite of STC Bank’s services and digital offerings to effectively validate complaints and provide accurate resolutions.
1834 Business Operations Account Opening & Payment Other Settlement & Exception Knowledge of Business Continuity (BCP) and Disaster Recovery (DR).
1835 Business Operations Account Opening & Payment Other Settlement & Exception Knowledge of audit trail documentation, exception reporting, and risk remediation strategies.
1836 Business Operations Account Opening & Payment Other Settlement & Exception Ability to draft, assess, and validate BRDs for change requests and ensure alignment with operational requirements.
1837 Business Operations Account Opening & Payment Other Settlement & Exception Ability to participate in UAT cycles, identify issues, and ensure findings are documented and communicated for resolution.
1838 Business Operations Account Opening & Payment Other Settlement & Exception Ability to perform root cause analysis, utilize internal systems, and coordinate with departments to resolve issues.
1839 Business Operations Account Opening & Payment Other Settlement & Exception Ability to work closely with QA, Bank Operations, Transaction Solutions, and Contact Center.
1840 Business Operations Account Opening & Payment Other Settlement & Exception Ability to develop structured reports and dashboards related to complaint volume, resolution timelines and root causes.
1841 Business Operations Account Opening & Payment Tanfeeth Knowledge of how to monitor, manage, and resolve service requests within Tanfeeth, including routing and escalation protocols.
1842 Business Operations Account Opening & Payment Tanfeeth Knowledge of how to adapt internal procedures in response to regulatory updates, system enhancements, or policy shifts.
1843 Business Operations Account Opening & Payment Tanfeeth Knowledge of Regulatory and Compliance Requirements (e.g., SAMA, AML/KYC)
1844 Business Operations Account Opening & Payment Tanfeeth Knowledge of Risk Mitigation and Controls in Operational Processes
1845 Business Operations Account Opening & Payment Tanfeeth Ability to oversee and execute account setup and payment workflows accurately and within defined SLAs.
1846 Business Operations Account Opening & Payment Tanfeeth Ability to manage and escalate system or process issues to ensure continuity of service and timely resolution.
1847 Business Operations Account Opening & Payment Tanfeeth Ability to work with Compliance, IT, CX, and Product teams to improve operational delivery and reduce friction points.
1848 Business Operations Account Opening & Payment Tanfeeth Ability to track performance indicators such as turnaround time, error rates, and issue resolution timelines.
1849 Business Operations Account Opening & Payment Tanfeeth Ability to assess workflows, recommend improvements, and support automation initiatives to drive efficiency.
1850 Business Operations Loans Operations Knowledge of loan origination, underwriting, and credit risk assessment methodologies to support compliant and efficient credit processing.
1851 Business Operations Loans Operations Knowledge of regulatory frameworks including SAMA guidelines and Basel III to ensure lending operations align with national and international risk governance standards.
1852 Business Operations Loans Operations Knowledge of SIMAH and Bayan Credit Bureau platforms to extract, evaluate, and interpret credit reports for creditworthiness assessment and regulatory compliance.
1853 Business Operations Loans Operations Ability to detect and investigate fraud and resolve customer disputes in line with internal controls and audit requirements.
1854 Business Operations Loans Operations Ability to analyze and report loan portfolio performance using MS Excel and Power BI to support decision-making and portfolio optimization.
1855 Business Operations Loans Operations Ability to manage customer interactions and servicing workflows through CRM systems to ensure an integrated approach to customer relationship and loan lifecycle management.
1856 Business Operations Loans Operations Credit Operations Knowledge of end-to-end loan operations processes, including disbursement, servicing, restructuring, and settlement, to ensure operational efficiency and accuracy.
1857 Business Operations Loans Operations Credit Operations Knowledge of credit servicing and repayment workflows, including pre-closure, foreclosure, and delinquency handling in line with customer service standards.
1858 Business Operations Loans Operations Credit Operations Knowledge of SLA governance and exception handling protocols to ensure timely resolution of escalations and operational bottlenecks.
1859 Business Operations Loans Operations Credit Operations Ability to drive digital transformation in loan operations, including automation of workflows, AI-based efficiency tools, and integration with core banking systems.
1860 Business Operations Loans Operations Credit Operations Ability to execute credit operations in compliance with SAMA regulations, internal credit policies, and audit requirements through documentation and process adherence.
1861 Business Operations Loans Operations Credit Operations Ability to use loan management systems, CRM platforms, and BI tools (e.g., Excel, Power BI, T24) for performance tracking, portfolio reporting, and root cause analysis.
1862 Business Operations Loans Operations Credit Operations Ability to monitor credit portfolio KPIs and risk indicators, conduct reconciliations, and support audit readiness for credit-related functions.
1863 Business Operations Loans Operations Collections Knowledge of collections lifecycle management, including early-stage, late-stage, and post-charge-off recovery strategies tailored to portfolio risk segments.
1864 Business Operations Loans Operations Collections Knowledge of SAMA regulations, Basel III guidelines, and fair treatment standards for customers in collections and recovery scenarios.
1865 Business Operations Loans Operations Collections Knowledge of dispute resolution protocols and customer complaint handling to ensure accurate and timely resolution while maintaining service quality.
1866 Business Operations Loans Operations Collections Ability to drive process automation and operational excellence across collections by integrating analytics, workflow tools, and feedback loops.
1867 Business Operations Loans Operations Collections Ability to monitor and interpret delinquency trends and NPL ratios, develop action plans, and prioritize high-risk accounts for targeted recovery interventions.
1868 Business Operations Loans Operations Collections Ability to manage relationships with external collection agencies, legal counsel, and recovery vendors, including SLA governance and performance monitoring.
1869 Business Operations Loans Operations Collections Ability to analyze portfolio performance using BI tools (e.g., Power BI, Excel) and prepare regulatory and internal reports for strategic decisions.
1870 Business Operations Cards & Merchant Operations Knowledge of card operations lifecycle and dispute resolution including issuance, chargebacks, fraud handling, and compliance with MADA, Visa, and Mastercard rules.
1871 Business Operations Cards & Merchant Operations Knowledge of settlement and reconciliation processes across card networks and payment platforms.
1872 Business Operations Cards & Merchant Operations Knowledge of card management systems (e.g., Cortex) for overseeing issuance, activation, blocking, replacements, and transaction monitoring.
1873 Business Operations Cards & Merchant Operations Knowledge of chargeback and dispute resolution systems.
1874 Business Operations Cards & Merchant Operations Ability to define, implement, and govern operational policies and internal controls.
1875 Business Operations Cards & Merchant Operations Ability to manage end-to-end merchant operations, including onboarding, terminal provisioning, transaction processing, and settlement reconciliation.
1876 Business Operations Cards & Merchant Operations Ability to use payment and settlement platforms such as MADA, and Visa for real-time payment execution and tracking.
1877 Business Operations Cards & Merchant Operations Ability to operate and interpret reconciliation and fraud monitoring tools.
1878 Business Operations Cards & Merchant Operations Ability to analyze operational performance data using Excel and Power BI.
1879 Business Operations Cards & Merchant Operations Cards Operations Knowledge of end-to-end card operations processes, including transaction processing, chargebacks, settlements, customer complaints, and reconciliation procedures.
1880 Business Operations Cards & Merchant Operations Cards Operations Knowledge of card scheme mandates and compliance standards, ensuring adherence to Visa and Mada guidelines.
1881 Business Operations Cards & Merchant Operations Cards Operations Knowledge of operational risk controls and internal audit standards.
1882 Business Operations Cards & Merchant Operations Cards Operations Knowledge of customer service principles and issue resolution protocols, ensuring prompt handling of escalations.
1883 Business Operations Cards & Merchant Operations Cards Operations Ability to use MS Excel and reporting tools for operational dashboards, reconciliation performance tracking, and card portfolio analytics.
1884 Business Operations Cards & Merchant Operations Cards Operations Ability to lead cost optimization and resource utilization initiatives, identifying process bottlenecks and implementing solutions for operational efficiency.
1885 Business Operations Cards & Merchant Operations Cards Operations Ability to manage card dispute and chargeback lifecycle, from customer complaint logging to final resolution.
1886 Business Operations Cards & Merchant Operations Cards Operations Ability to supervise system maintenance, card platform enhancements, and support function readiness.
1887 Business Operations Cards & Merchant Operations Cards Operations Ability to analyze card transaction decline trends, identify root causes, and collaborate with internal and external teams.
1888 Business Operations Cards & Merchant Operations Merchant Operations Knowledge of end-to-end merchant operations workflows, including onboarding, transaction authorization, settlement processing, and dispute resolution.
1889 Business Operations Cards & Merchant Operations Merchant Operations Knowledge of acquiring systems and payment platforms (e.g., POS systems, acquirer switches, trust bank integrations) to support merchant services and product delivery.
1890 Business Operations Cards & Merchant Operations Merchant Operations Knowledge of operational risk management frameworks, including implementation of dual control and escalation procedures for sensitive or high-value transactions.
1891 Business Operations Cards & Merchant Operations Merchant Operations Knowledge of audit and compliance documentation practices, ensuring all operational procedures and changes are properly recorded and audit-ready.
1892 Business Operations Cards & Merchant Operations Merchant Operations Ability to interpret and apply regulatory guidelines and scheme mandates (e.g., Visa, Mastercard, Mada) in the context of merchant operations.
1893 Business Operations Cards & Merchant Operations Merchant Operations Ability to develop and enforce operational policies, SOPs, and SLAs to ensure consistent service quality, compliance, and efficiency.
1894 Business Operations Cards & Merchant Operations Merchant Operations Ability to lead service optimization initiatives, applying automation, process reengineering, and workflow improvements to enhance merchant experience and reduce cost.
1895 Business Operations Operations Excellence & Control Knowledge of operational performance measurement frameworks to evaluate service quality and identify areas for process improvement.
1896 Business Operations Operations Excellence & Control Knowledge of operational risk management and control frameworks to assess, monitor, and mitigate internal risks.
1897 Business Operations Operations Excellence & Control Knowledge of audit, compliance, and control monitoring practices to proactively address deficiencies.
1898 Business Operations Operations Excellence & Control Knowledge of banking reconciliation systems such as Abax and core banking platforms such as T24.
1899 Business Operations Operations Excellence & Control Ability to manage reconciliation and settlement processes with precision, ensuring financial accuracy, exception handling, and resolution across operational units.
1900 Business Operations Operations Excellence & Control Ability to design and implement process optimization strategies through business process management (BPM) and robotic process automation (RPA).
1901 Business Operations Operations Excellence & Control Ability to analyze and report operational performance using MS Excel and Power BI.
1902 Business Operations Operations Excellence & Control Ability to leverage business process management (BPM) platforms for workflow design, execution monitoring, and continuous process enhancement across operational domains.
1903 Business Operations Operations Excellence & Control Operational Excellence Knowledge of Key Performance Indicator (KPIs), Service Level Agreements (SLAs), Turnaround Time (TAT), Straight-Through Processing (STP), Average Handling Time (AHT), and error rates to monit
1904 Business Operations Operations Excellence & Control Operational Excellence Knowledge of BPM platforms and workflow tools to document, re-engineer, and automate end-to-end processes.
1905 Business Operations Operations Excellence & Control Operational Excellence Knowledge of internal audit principles, compliance frameworks, and regulatory standards relevant to operations.
1906 Business Operations Operations Excellence & Control Operational Excellence Knowledge of reconciliation tools and the Abax system to track and ensure accuracy in transaction processing and settlement.
1907 Business Operations Operations Excellence & Control Operational Excellence Ability to investigate underlying operational issues and develop practical, sustainable corrective actions.
1908 Business Operations Operations Excellence & Control Operational Excellence Ability to use Lean, Six Sigma, and other improvement methodologies to enhance efficiency and reduce process variability.
1909 Business Operations Operations Excellence & Control Operational Excellence Ability to use Excel, Power BI, and T24 to generate performance dashboards, identify trends, and present recommendations.
1910 Business Operations Operations Excellence & Control Operational Excellence Ability to manage operational transformation initiatives, including SOP development, system enhancements, and automation rollouts.
1911 Business Operations Operations Excellence & Control Operational Control Knowledge of SAMA, Basel, and internal audit standards applicable to operational processes and risk mitigation.
1912 Business Operations Operations Excellence & Control Operational Control Knowledge of audit documentation and timely resolution of audit findings.
1913 Business Operations Operations Excellence & Control Operational Control Knowledge of designing, executing, and reporting on control tests and effectiveness reviews.
1914 Business Operations Operations Excellence & Control Operational Control Knowledge of Root Cause Analysis and Corrective Action Planning.
1915 Business Operations Operations Excellence & Control Operational Control Ability to design and implement risk-based control frameworks aligned with regulatory and internal governance standards.
1916 Business Operations Operations Excellence & Control Operational Control Ability to facilitate and document RCSAs, identify key risk indicators, and determine control effectiveness.
1917 Business Operations Operations Excellence & Control Operational Control Ability to track and report KRIs (Key Risk Indicators), issue logs, and control gap closures to senior management.
1918 Business Operations Operations Excellence & Control Operational Control Ability to identify systemic control weaknesses and recommend sustainable remediation strategies.
1919 Business Operations Operations Excellence & Control Operational Control Ability to manage control libraries, workflows, issue tracking, and audit trails through digital control platforms.
1920 Business Operations Operations Excellence & Control Business Process Management Knowledge of BPM methodologies (e.g., Lean, Six Sigma, BPMN) to design and improve business workflows.
1921 Business Operations Operations Excellence & Control Business Process Management Knowledge of platforms such as Power BI, T24 workflow modules, or BPM suites to support real-time process performance dashboards.
1922 Business Operations Operations Excellence & Control Business Process Management Knowledge of automation platforms (e.g., BPM engines, RPA tools) for implementing straight-through processing and reducing manual interventions.
1923 Business Operations Operations Excellence & Control Business Process Management Knowledge of SAMA and internal policies to ensure regulatory alignment in process design and change management.
1924 Business Operations Operations Excellence & Control Business Process Management Ability to facilitate end-to-end process reviews, identify inefficiencies, and develop scalable, standardized solutions.
1925 Business Operations Operations Excellence & Control Business Process Management Ability to create standardized process maps, SOPs, and control checklists aligned with compliance requirements.
1926 Business Operations Operations Excellence & Control Business Process Management Ability to define, monitor, and report key performance indicators (KPIs) and use data to drive continuous improvement.
1927 Business Operations Operations Excellence & Control Business Process Management Ability to design and lead workshops that build internal process optimization capabilities.
1928 Business Operations Operations Excellence & Control Reconciliation & Monitoring Knowledge of end-to-end reconciliation processes and control standards across banking operations, including accounts, payments, cards, and treasury.
1929 Business Operations Operations Excellence & Control Reconciliation & Monitoring Knowledge of tools such as Abax, T24, Power BI, or Excel for transaction matching, control reporting, and reconciliation dashboards.
1930 Business Operations Operations Excellence & Control Reconciliation & Monitoring Knowledge of SAMA, AML, and internal policy requirements relevant to reconciliation and monitoring obligations.
1931 Business Operations Operations Excellence & Control Reconciliation & Monitoring Knowledge of reconciliations and documentation, control reports, and findings to be resolved.
1932 Business Operations Operations Excellence & Control Reconciliation & Monitoring Ability to monitor, investigate, and resolve unmatched transactions, discrepancies, and pending items within defined SLAs.
1933 Business Operations Operations Excellence & Control Reconciliation & Monitoring Ability to define and track key performance indicators such as SLA adherence, error rates, STP ratios, and AHT for continuous process monitoring.
1934 Business Operations Operations Excellence & Control Reconciliation & Monitoring Ability to leverage RPA, BPM, or reconciliation automation software to reduce manual processing and improve accuracy.
1935 Business Operations Operations Excellence & Control Reconciliation & Monitoring Ability to coordinate with Finance, Risk, IT, and Audit stakeholders to ensure complete and timely reconciliation coverage.
1936 Business Operations Treasury Operations Knowledge of trade execution and confirmation processes for hedging instruments, structured deposits, and Sukuk clearance across domestic and international markets.
1937 Business Operations Treasury Operations Knowledge of counterparty relationship management including handling trade queries, documentation, and resolution within SLA frameworks.
1938 Business Operations Treasury Operations Knowledge of process optimization methodologies and risk mitigation strategies within Treasury Operations.
1939 Business Operations Treasury Operations Knowledge of SWIFT and RTGS platforms for trade settlements, interbank transfers, and cross-border transaction processing.
1940 Business Operations Treasury Operations Knowledge of Nostro and Vostro account management.
1941 Business Operations Treasury Operations Ability to manage reconciliation and settlement of Treasury transactions ensuring accuracy, timeliness, and regulatory compliance.
1942 Business Operations Treasury Operations Ability to operate and maintain Treasury Management Systems (TMS) for trade booking, execution, and post-trade processing.
1943 Business Operations Treasury Operations Ability to execute and clear transactions through EUROCLEAR and other custodian platforms.
1944 Business Operations Treasury Operations Ability to use MS Excel for liquidity analysis, trade matching, exception reporting, and reconciliation.
Tree view of Business Operations