SAUDI PAYMENTS
Ashwag Al-Khoraif has significant experience in the field of risk management. Ashwag is currently working at Saudi Payments as an Enterprise Risk Management Senior Director since April 2023. Prior to this role, they served as the Enterprise Risk Management Director from October 2022 to April 2023, and as an Operational Risk Manager from January 2020 to October 2022. Ashwag also worked at Saudi Customs as an Operational Risk Supervisor from August 2019 to January 2020. Furthermore, they held various roles at Al Yusr Leasing and Financing, including Senior Operational Risk Officer from January 2018 to August 2019, Chairperson of Promissory Notes Committee from February 2019 to June 2019, and Operational Risk Officer from May 2014 to December 2017. Throughout their career, Ashwag has demonstrated their expertise in identifying, managing, and assessing operational and financial risks, as well as contributing to policy review and reporting for risk analysis and assessment.
Ashwag Al-Khoraif has a Bachelor's degree in English language and literature from Al-Imam Muhammad Ibn Saud Islamic University, earned between 2009 and 2014. Ashwag later pursued a Graduate Diploma in Quality Management from Riyadh Chamber, completed from 2016 to 2017. Ashwag then continued their education, obtaining a Postgraduate Diploma in Business analysis from Washington State University from 2020 to 2021. Ashwag also completed an Executive Master of Business degree in Business Administration and Management from Al Yamamah University between 2018 and 2021. Additionally, Ashwag attained a Master of Business Administration (MBA) degree in Business Administration and Management from INSEEC Grande Ecole, which they studied from 2019 to 2021. Alongside their formal education, they obtained certifications in "Writing a Business Case" from LinkedIn in 2021 and "Lean Six Sigma Green Belt (ICGB)" from Integral Management and Quality Solutions Inc. in 2017.
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SAUDI PAYMENTS
Saudi Payments , To encourage innovation and strengthen the financial sector in the Kingdom, the leading payments brands in Saudi Arabia (mada, SADAD, SARIE and Esal) bonded under the umbrella of Saudi Payments, which acts as the operator of the national payment infrastructure in the Kingdom. Which aims to achieve the developing of financial sector program goals one of vision 2030 programs. Providing payments methods suits the aspirations of our customers to support the direction of the Kingdom towards a cashless society. mada, Connects all automated teller machines (ATMs) and point-of-sale (POS) terminals throughout the country to a central payment switch that in turn re-routes the financial transactions between a merchant’s bank and the card issuer bank. mada journey started in 1990 and it has undergone several evolutionary leaps in its technical infrastructure, capacity, and distribution. From the beginning mada has been implementing noticeable developments to continuously improve the quality of its services in line with global payment systems. SADAD , A centralized system to display and pay bills through "SADAD Bills" and online purchase through "SADAD Account" SADAD’s task is to facilitate and expedite the process of paying bills and purchases online through all banking channels and linking the merchant directly to the client’s bank. Esal , Is an integrated solution for all business invoices and payments in the Kingdom, which connects buyers and suppliers to facilitate the process of payments electronically. Esal covers the entire billing lifecycle, from bill raising, presenting, payment and settlement, enabling businesses to complete these transactions instantly.