Elyes BELGAIDA

• Managed and developed a portfolio of corporate and institutional clients, identifying FX hedging needs and providing tailored financial solutions.
• Leveraged CRM systems and reporting tools to ensure data accuracy, client follow-up, and contractual compliance.
• Coordinated with middle and back office teams to secure seamless trade execution and settlement.
• Executed and monitored FX spot, forward, and money market transactions through electronic trading platforms.
• Ensured compliance, accuracy, and data integrity across trading and settlement systems.
• Monitored real-time FX exposures and managed positions in line with defined risk limits.
• Designed and tested hedging strategies and stress scenarios to anticipate market fluctuations.
• Contributed to the preparation of liquidity reports and risk dashboards integrated into the bank’s decision-making tools.
• Facilitated daily coordination of team activities with structured reporting to management.
• Ensuring compliance with internal policies and external regulations.
• Identifying, analyzing, and reporting any limit breaches to senior management and regulatory authorities.

Key Responsibilities:

• Provided information and guidance to clients and prospects on banking products and services.
• Increased client satisfaction by building strong relationships and addressing their needs promptly.
• Managed and developed a portfolio of retail clients, ensuring growth, retention, and client satisfaction.
• Identified and mitigated financial risks, including tax fraud and money laundering, in compliance with AML regulations.
• Advised clients on investment products, savings plans, and wealth management opportunities.

Specific Activities

• Processed client transactions, including transfers, withdrawals, and deposit of payment instruments.
• Managed ATM operations and safe deposit services.
• Assisted clients with account access (login codes, balance inquiries, account statements).
• Scheduled and coordinated client appointments.
• Maintained and updated client information in the banking system (KYC, personal data).
• Conducted outbound calling campaigns (phoning) to engage clients and promote services.
• Marketed and sold banking products (current accounts, savings accounts, loans, insurance).
• Supported client onboarding processes, including account openings and loan applications.
• Handled debtor management and followed up on overdue payments.

Implementation of Pass-Insurance Core System – STAR Insurance
Role: AMOA (Business Analyst)

• Gathered and formalized business requirements to support configuration of the Pass-Insurance platform.
• Designed functional prototypes and subscription/production document templates (product sheets, contractual clauses, endorsements).
• Facilitated validation workshops with business stakeholders and aligned specifications with operational processes.
• Conducted reporting requirements analysis and supported vendor-led implementation.
• Authored functional acceptance criteria and detailed test cases (cahiers de recettes).
• Participated in User Acceptance Testing (UAT) and provided functional support.

Core Banking System Migration & Integration – Temenos T24 (Assaray Trade & Investment Bank, Libya)
Roles: AMOA & PMO

• Drafted Business Requirements Documents (BRDs) across domains: Referential, Cash Management, CRM, MOP, Trade.
• Defined data migration and data cleansing strategies, ensuring accuracy and compliance of migrated data.
• Conducted functional gap analyses and coordinated reporting/document management implementation with vendor teams.
• Designed and executed test plans, UAT scenarios, and acceptance documentation.
• Supported end-user training, knowledge transfer, and onboarding to the new platform.
• Reported and tracked system anomalies via Mantis, ensuring issue resolution.
• PMO responsibilities:
  Prepared governance deliverables and supported steering committees.
  Ensured cross-functional alignment with project objectives and milestones.
  Oversaw incident management and production ticket tracking.
  Contributed to change management initiatives (communication, adoption, training).

Financial Innovation & FinTech Ecosystem Study – World Bank

• Conducted a detailed market and regulatory analysis of Tunisia’s financial innovation and fintech landscape.
• Produced a comprehensive study on the legal and regulatory frameworks incentivizing fintech adoption.
• Delivered strategic recommendations to support the growth of the fintech ecosystem.

HR Competency & Performance Management Framework – COMAR Insurance
Role: Junior AMOA / HR Business Analyst

• Designed competency frameworks and job descriptions to support GPEC (Strategic Workforce Planning).
• Defined performance management tools and KPIs to align employee objectives with corporate strategy.
• Created a comprehensive job mapping and career mobility framework to support succession planning.
• Facilitated workshops and training sessions to support adoption of new HR performance practices.

• Monitored the reliability and accuracy of financial information provided by corporate clients.
• Developed and analyzed business plans for IPO projects, capital increases, and mergers & acquisitions (M&A) operations.
• Collected and consolidated financial data, including company reports and financial statements.
• Conducted in-depth financial statement analysis (balance sheets, income statements, cash flow) to assess corporate performance.
• Performed valuation analyses and produced recommendations regarding company value and growth perspectives.
• Supported senior analysts in preparing financial models and presentations for clients and stakeholders.

• Handled and processed the initial stages of consumer credit applications.
• Assessed, organized, and classified loan files based on predefined financial and risk criteria.
• Gained exposure to credit evaluation processes and compliance requirements within retail banking.

• Supported the compliance team in monitoring adherence to internal policies and regulatory requirements.
• Conducted preliminary reviews of client files to ensure compliance with KYC (Know Your Customer) and AML (Anti-Money Laundering) standards.
• Assisted in identifying potential compliance risks, including suspicious transactions and irregular client documentation.