Skill Inventory Matrix
Enabler for Internal Mobility Program
Records
| ID | Sector | Division | Department | Unit | Technical Skills |
|---|---|---|---|---|---|
| 4949 | Business Operations | Knowledge of end-to-end banking operations, including account opening, loans, cards, and treasury, to ensure seamless execution and service delivery. | |||
| 4950 | Business Operations | Knowledge of regulatory compliance frameworks, such as SAMA, Basel III, and PCI-DSS, for operational alignment and audit readiness. | |||
| 4951 | Business Operations | Knowledge of treasury management systems(Murex), T24, Bloomberg, and SAMA Workstation. | |||
| 4952 | Business Operations | Knowledge of fraud monitoring tools and case management systems to handle chargebacks, disputes, KYC/AML, and enhance customer protection. | |||
| 4953 | Business Operations | Ability to perform processes of settlement, reconciliation, and dispute management to ensure timely resolution and financial accuracy. | |||
| 4954 | Business Operations | Ability to design and implement operational risk controls and governance frameworks to mitigate process, compliance, and recovery risks. | |||
| 4955 | Business Operations | Ability to optimize operational processes by applying service quality metrics. | |||
| 4956 | Business Operations | Ability to manage and operate core banking systems and transaction processing platforms for operational continuity and efficiency. | |||
| 4957 | Business Operations | Account Opening & Payment | Knowledge of SAMA’s regulatory requirements, KYC/AML frameworks, and biometric verification processes. | ||
| 4958 | Business Operations | Account Opening & Payment | Knowledge of domestic and international payment channels including SARIE, SWIFT, Mada, and SADAD. | ||
| 4959 | Business Operations | Account Opening & Payment | Knowledge of regulatory and compliance reporting formats required by SAMA and international bodies. | ||
| 4960 | Business Operations | Account Opening & Payment | Knowledge of reconciliation platforms and exception management workflows to ensure accuracy, identify mismatches, and resolve breakages in settlement cycles. | ||
| 4961 | Business Operations | Account Opening & Payment | Ability to identify and investigate suspicious transactions, manage chargebacks, and resolve disputes. | ||
| 4962 | Business Operations | Account Opening & Payment | Ability to initiate, validate, and monitor high-value fund transfers using SWIFT, RTGS, and related treasury payment systems. | ||
| 4963 | 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. | ||
| 4964 | 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. | ||
| 4965 | 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. | |
| 4966 | 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. | |
| 4967 | 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. | |
| 4968 | 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. | |
| 4969 | 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. | |
| 4970 | 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. | |
| 4971 | Business Operations | Account Opening & Payment | Accounts Operations | Ability to use platforms such as T24, CRM systems, and workflow engines. | |
| 4972 | Business Operations | Account Opening & Payment | Payments Operations | Knowledge of domestic (SADAD, SARIE, Mada) and international (SWIFT, RTGS) payment channels. | |
| 4973 | Business Operations | Account Opening & Payment | Payments Operations | Knowledge of regulatory reporting processes, audit readiness, and compliance requirements as per SAMA standards. | |
| 4974 | 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. | |
| 4975 | Business Operations | Account Opening & Payment | Payments Operations | Knowledge of business continuity protocols and disaster recovery (DR) operations. | |
| 4976 | 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. | |
| 4977 | Business Operations | Account Opening & Payment | Payments Operations | Ability to design, enhance, and enforce policies and procedures related to payments. | |
| 4978 | Business Operations | Account Opening & Payment | Payments Operations | Ability to monitor reconciliation reports, resolve outstanding items, and ensure transactional integrity across multiple systems and stakeholders. | |
| 4979 | Business Operations | Account Opening & Payment | Payments Operations | Ability to use payment engines, CRM, reconciliation platforms, Excel, and MIS tools. | |
| 4980 | Business Operations | Account Opening & Payment | Other Settlement & Exception | Knowledge of complaint lifecycle management, including SAMA Cares handling, SLA tracking, and escalation protocols. | |
| 4981 | 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. | |
| 4982 | Business Operations | Account Opening & Payment | Other Settlement & Exception | Knowledge of Business Continuity (BCP) and Disaster Recovery (DR). | |
| 4983 | Business Operations | Account Opening & Payment | Other Settlement & Exception | Knowledge of audit trail documentation, exception reporting, and risk remediation strategies. | |
| 4984 | Business Operations | Account Opening & Payment | Other Settlement & Exception | Ability to draft, assess, and validate BRDs for change requests and ensure alignment with operational requirements. | |
| 4985 | 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. | |
| 4986 | Business Operations | Account Opening & Payment | Other Settlement & Exception | Ability to perform root cause analysis, utilize internal systems, and coordinate with departments to resolve issues. | |
| 4987 | Business Operations | Account Opening & Payment | Other Settlement & Exception | Ability to work closely with QA, Bank Operations, Transaction Solutions, and Contact Center. | |
| 4988 | Business Operations | Account Opening & Payment | Other Settlement & Exception | Ability to develop structured reports and dashboards related to complaint volume, resolution timelines and root causes. | |
| 4989 | Business Operations | Account Opening & Payment | Tanfeeth | Knowledge of how to monitor, manage, and resolve service requests within Tanfeeth, including routing and escalation protocols. | |
| 4990 | Business Operations | Account Opening & Payment | Tanfeeth | Knowledge of how to adapt internal procedures in response to regulatory updates, system enhancements, or policy shifts. | |
| 4991 | Business Operations | Account Opening & Payment | Tanfeeth | Knowledge of Regulatory and Compliance Requirements (e.g., SAMA, AML/KYC) | |
| 4992 | Business Operations | Account Opening & Payment | Tanfeeth | Knowledge of Risk Mitigation and Controls in Operational Processes | |
| 4993 | Business Operations | Account Opening & Payment | Tanfeeth | Ability to oversee and execute account setup and payment workflows accurately and within defined SLAs. | |
| 4994 | Business Operations | Account Opening & Payment | Tanfeeth | Ability to manage and escalate system or process issues to ensure continuity of service and timely resolution. | |
| 4995 | Business Operations | Account Opening & Payment | Tanfeeth | Ability to work with Compliance, IT, CX, and Product teams to improve operational delivery and reduce friction points. | |
| 4996 | Business Operations | Account Opening & Payment | Tanfeeth | Ability to track performance indicators such as turnaround time, error rates, and issue resolution timelines. | |
| 4997 | Business Operations | Account Opening & Payment | Tanfeeth | Ability to assess workflows, recommend improvements, and support automation initiatives to drive efficiency. | |
| 4998 | Business Operations | Loans Operations | Knowledge of loan origination, underwriting, and credit risk assessment methodologies to support compliant and efficient credit processing. | ||
| 4999 | 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. | ||
| 5000 | 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. | ||
| 5001 | Business Operations | Loans Operations | Ability to detect and investigate fraud and resolve customer disputes in line with internal controls and audit requirements. | ||
| 5002 | 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. | ||
| 5003 | 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. | ||
| 5004 | 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. | |
| 5005 | 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. | |
| 5006 | Business Operations | Loans Operations | Credit Operations | Knowledge of SLA governance and exception handling protocols to ensure timely resolution of escalations and operational bottlenecks. | |
| 5007 | 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. | |
| 5008 | 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. | |
| 5009 | 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. | |
| 5010 | 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. | |
| 5011 | 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. | |
| 5012 | Business Operations | Loans Operations | Collections | Knowledge of SAMA regulations, Basel III guidelines, and fair treatment standards for customers in collections and recovery scenarios. | |
| 5013 | Business Operations | Loans Operations | Collections | Knowledge of dispute resolution protocols and customer complaint handling to ensure accurate and timely resolution while maintaining service quality. | |
| 5014 | Business Operations | Loans Operations | Collections | Ability to drive process automation and operational excellence across collections by integrating analytics, workflow tools, and feedback loops. | |
| 5015 | 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. | |
| 5016 | Business Operations | Loans Operations | Collections | Ability to manage relationships with external collection agencies, legal counsel, and recovery vendors, including SLA governance and performance monitoring. | |
| 5017 | 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. | |
| 5018 | 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. | ||
| 5019 | Business Operations | Cards & Merchant Operations | Knowledge of settlement and reconciliation processes across card networks and payment platforms. | ||
| 5020 | Business Operations | Cards & Merchant Operations | Knowledge of card management systems (e.g., Cortex) for overseeing issuance, activation, blocking, replacements, and transaction monitoring. | ||
| 5021 | Business Operations | Cards & Merchant Operations | Knowledge of chargeback and dispute resolution systems. | ||
| 5022 | Business Operations | Cards & Merchant Operations | Ability to define, implement, and govern operational policies and internal controls. | ||
| 5023 | Business Operations | Cards & Merchant Operations | Ability to manage end-to-end merchant operations, including onboarding, terminal provisioning, transaction processing, and settlement reconciliation. | ||
| 5024 | Business Operations | Cards & Merchant Operations | Ability to use payment and settlement platforms such as MADA, and Visa for real-time payment execution and tracking. | ||
| 5025 | Business Operations | Cards & Merchant Operations | Ability to operate and interpret reconciliation and fraud monitoring tools. | ||
| 5026 | Business Operations | Cards & Merchant Operations | Ability to analyze operational performance data using Excel and Power BI. | ||
| 5027 | 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. | |
| 5028 | Business Operations | Cards & Merchant Operations | Cards Operations | Knowledge of card scheme mandates and compliance standards, ensuring adherence to Visa and Mada guidelines. | |
| 5029 | Business Operations | Cards & Merchant Operations | Cards Operations | Knowledge of operational risk controls and internal audit standards. | |
| 5030 | Business Operations | Cards & Merchant Operations | Cards Operations | Knowledge of customer service principles and issue resolution protocols, ensuring prompt handling of escalations. | |
| 5031 | 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. | |
| 5032 | 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. | |
| 5033 | Business Operations | Cards & Merchant Operations | Cards Operations | Ability to manage card dispute and chargeback lifecycle, from customer complaint logging to final resolution. | |
| 5034 | Business Operations | Cards & Merchant Operations | Cards Operations | Ability to supervise system maintenance, card platform enhancements, and support function readiness. | |
| 5035 | Business Operations | Cards & Merchant Operations | Cards Operations | Ability to analyze card transaction decline trends, identify root causes, and collaborate with internal and external teams. | |
| 5036 | Business Operations | Cards & Merchant Operations | Merchant Operations | Knowledge of end-to-end merchant operations workflows, including onboarding, transaction authorization, settlement processing, and dispute resolution. | |
| 5037 | 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. | |
| 5038 | 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. | |
| 5039 | 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. | |
| 5040 | 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. | |
| 5041 | 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. | |
| 5042 | 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. | |
| 5043 | Business Operations | Operations Excellence & Control | Knowledge of operational performance measurement frameworks to evaluate service quality and identify areas for process improvement. | ||
| 5044 | Business Operations | Operations Excellence & Control | Knowledge of operational risk management and control frameworks to assess, monitor, and mitigate internal risks. | ||
| 5045 | Business Operations | Operations Excellence & Control | Knowledge of audit, compliance, and control monitoring practices to proactively address deficiencies. | ||
| 5046 | Business Operations | Operations Excellence & Control | Knowledge of banking reconciliation systems such as Abax and core banking platforms such as T24. | ||
| 5047 | Business Operations | Operations Excellence & Control | Ability to manage reconciliation and settlement processes with precision, ensuring financial accuracy, exception handling, and resolution across operational units. | ||
| 5048 | Business Operations | Operations Excellence & Control | Ability to design and implement process optimization strategies through business process management (BPM) and robotic process automation (RPA). | ||
| 5049 | Business Operations | Operations Excellence & Control | Ability to analyze and report operational performance using MS Excel and Power BI. | ||
| 5050 | 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. | ||
| 5051 | 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 | |
| 5052 | Business Operations | Operations Excellence & Control | Operational Excellence | Knowledge of BPM platforms and workflow tools to document, re-engineer, and automate end-to-end processes. | |
| 5053 | Business Operations | Operations Excellence & Control | Operational Excellence | Knowledge of internal audit principles, compliance frameworks, and regulatory standards relevant to operations. | |
| 5054 | 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. | |
| 5055 | Business Operations | Operations Excellence & Control | Operational Excellence | Ability to investigate underlying operational issues and develop practical, sustainable corrective actions. | |
| 5056 | Business Operations | Operations Excellence & Control | Operational Excellence | Ability to use Lean, Six Sigma, and other improvement methodologies to enhance efficiency and reduce process variability. | |
| 5057 | Business Operations | Operations Excellence & Control | Operational Excellence | Ability to use Excel, Power BI, and T24 to generate performance dashboards, identify trends, and present recommendations. | |
| 5058 | Business Operations | Operations Excellence & Control | Operational Excellence | Ability to manage operational transformation initiatives, including SOP development, system enhancements, and automation rollouts. | |
| 5059 | Business Operations | Operations Excellence & Control | Operational Control | Knowledge of SAMA, Basel, and internal audit standards applicable to operational processes and risk mitigation. | |
| 5060 | Business Operations | Operations Excellence & Control | Operational Control | Knowledge of audit documentation and timely resolution of audit findings. | |
| 5061 | Business Operations | Operations Excellence & Control | Operational Control | Knowledge of designing, executing, and reporting on control tests and effectiveness reviews. | |
| 5062 | Business Operations | Operations Excellence & Control | Operational Control | Knowledge of Root Cause Analysis and Corrective Action Planning. | |
| 5063 | Business Operations | Operations Excellence & Control | Operational Control | Ability to design and implement risk-based control frameworks aligned with regulatory and internal governance standards. | |
| 5064 | Business Operations | Operations Excellence & Control | Operational Control | Ability to facilitate and document RCSAs, identify key risk indicators, and determine control effectiveness. | |
| 5065 | 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. | |
| 5066 | Business Operations | Operations Excellence & Control | Operational Control | Ability to identify systemic control weaknesses and recommend sustainable remediation strategies. | |
| 5067 | Business Operations | Operations Excellence & Control | Operational Control | Ability to manage control libraries, workflows, issue tracking, and audit trails through digital control platforms. | |
| 5068 | Business Operations | Operations Excellence & Control | Business Process Management | Knowledge of BPM methodologies (e.g., Lean, Six Sigma, BPMN) to design and improve business workflows. | |
| 5069 | 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. | |
| 5070 | 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. | |
| 5071 | Business Operations | Operations Excellence & Control | Business Process Management | Knowledge of SAMA and internal policies to ensure regulatory alignment in process design and change management. | |
| 5072 | Business Operations | Operations Excellence & Control | Business Process Management | Ability to facilitate end-to-end process reviews, identify inefficiencies, and develop scalable, standardized solutions. | |
| 5073 | Business Operations | Operations Excellence & Control | Business Process Management | Ability to create standardized process maps, SOPs, and control checklists aligned with compliance requirements. | |
| 5074 | 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. | |
| 5075 | Business Operations | Operations Excellence & Control | Business Process Management | Ability to design and lead workshops that build internal process optimization capabilities. | |
| 5076 | 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. | |
| 5077 | 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. | |
| 5078 | Business Operations | Operations Excellence & Control | Reconciliation & Monitoring | Knowledge of SAMA, AML, and internal policy requirements relevant to reconciliation and monitoring obligations. | |
| 5079 | Business Operations | Operations Excellence & Control | Reconciliation & Monitoring | Knowledge of reconciliations and documentation, control reports, and findings to be resolved. | |
| 5080 | Business Operations | Operations Excellence & Control | Reconciliation & Monitoring | Ability to monitor, investigate, and resolve unmatched transactions, discrepancies, and pending items within defined SLAs. | |
| 5081 | 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. | |
| 5082 | Business Operations | Operations Excellence & Control | Reconciliation & Monitoring | Ability to leverage RPA, BPM, or reconciliation automation software to reduce manual processing and improve accuracy. | |
| 5083 | Business Operations | Operations Excellence & Control | Reconciliation & Monitoring | Ability to coordinate with Finance, Risk, IT, and Audit stakeholders to ensure complete and timely reconciliation coverage. | |
| 5084 | Business Operations | Treasury Operations | Knowledge of trade execution and confirmation processes for hedging instruments, structured deposits, and Sukuk clearance across domestic and international markets. | ||
| 5085 | Business Operations | Treasury Operations | Knowledge of counterparty relationship management including handling trade queries, documentation, and resolution within SLA frameworks. | ||
| 5086 | Business Operations | Treasury Operations | Knowledge of process optimization methodologies and risk mitigation strategies within Treasury Operations. | ||
| 5087 | Business Operations | Treasury Operations | Knowledge of SWIFT and RTGS platforms for trade settlements, interbank transfers, and cross-border transaction processing. | ||
| 5088 | Business Operations | Treasury Operations | Knowledge of Nostro and Vostro account management. | ||
| 5089 | Business Operations | Treasury Operations | Ability to manage reconciliation and settlement of Treasury transactions ensuring accuracy, timeliness, and regulatory compliance. | ||
| 5090 | Business Operations | Treasury Operations | Ability to operate and maintain Treasury Management Systems (TMS) for trade booking, execution, and post-trade processing. | ||
| 5091 | Business Operations | Treasury Operations | Ability to execute and clear transactions through EUROCLEAR and other custodian platforms. | ||
| 5092 | Business Operations | Treasury Operations | Ability to use MS Excel for liquidity analysis, trade matching, exception reporting, and reconciliation. |