Osamah's CV
Osamah Hussain Abdulqader Harhara
Customer Relationship Officer | Wealth Management
Profile summary
Dedicated Customer Relationship Officer with 6 years of GCC experience in wealth management, client lifecycle management, and Shariah-compliant financing solutions across the UAE. Recognized for maintaining 100% regulatory compliance with UAE Central Bank standards while driving portfolio growth and cross-functional coordination. Committed to delivering personalized financial strategies and high-quality service delivery.
Career highlights
Client Lifecycle Management: Managed the onboarding and lifecycle processes for high-net-worth and retail clients while delivering personalized service across banking products.
Regulatory Compliance: Maintained 100% adherence to UAE Central Bank regulations and KYC policies, supporting clean internal and external audit outcomes.
Financing Solutions: Structured Shariah-compliant financing options, including mortgages, auto finance, and business loans, based on individual client risk profiles.
Key skills
Professional experience
Manages high-net-worth and retail client accounts, overseeing Islamic banking products and cross-functional coordination between front office and operations teams. Provides consultative input to management on customer behavior trends and service gaps.
- Structures Shariah-compliant financing solutions, including Auto Finance, Mortgage, Home Finance, Credit Cards, Business Finance, Bank Guarantees, Time Deposits, and Investment Deposits tailored to client risk profiles and financial goals.
- Maintains 100% compliance with UAE Central Bank regulations, KYC/AML policies, and Shariah governance standards, contributing to clean internal and external audit results.
- Exceeds monthly sales and service performance targets through strategic needs-based selling and identifying cross-sell opportunities across product suites and digital services.
- Resolves escalated customer issues to enhance client satisfaction within the branch network.
- Trains and mentors new joiners on client handling, system usage, and compliance practices to support service consistency across the branch.
Directs client onboarding and lifecycle management for high-net-worth and retail accounts, aligning service delivery with Islamic banking products while advising on Shariah-compliant financing solutions.
- Maintains 100% compliance with UAE Central Bank regulations, KYC/AML policies, and Shariah governance standards.
- Coordinates cross-functional workflows between front office and operations teams to execute complex client requests.
- Trained and mentored new joiners on client handling, system usage, and compliance practices.
Defined advisory strategy, steering client portfolio growth and team performance. Supervised staff operations, guided employee development, and established departmental objectives while advising high net worth clients on complex financial offerings.
- Developed client portfolios and delivered customized financial planning solutions for VVIP clients regarding IPOs, credit cards, and share offerings.
- Directed recruitment, training, and performance monitoring of staff members to ensure ongoing compliance with institutional standards.
Education
Finance | Abu Dhabi
Abu Dhabi
Languages
Arabic · Native
English · Fluent