chartered accountant :Audit & Internal Control - Risk monitoring - Accounting - Microfinance
code GJL-LU-201008-136 on finances.enligne-lu.com au Luxembourg

In the following industries:
SME, banking sector, microfinance

Fields of practice:
Internal control & audit, Budget & actual expenses monitoring & gap analysis, Accounting monitoring tools

Management teams your interventions may concern:
Management control Accountancy

Types of interventions:
Short term (up to 3 weeks abroad)

Training courses attended:

Education:
Institut d’Administration des Entreprises
Nancy II University / France
1986-1987 “Human Resources Management”
Nancy II University / France
Faculté des Sciences Economiques 1981-1986 Master in Economics

Led training courses:
-Audit & internal control in banks -Corporate governance -Prevention of money laundering -Financial Management -Human Resources Mgt ...

Computer skills:
-IT proficiency as a current user, including Microsoft XP Office tools & Vista (Word, Excel, Power Point, Access), and Mac OS10 with FileMakerPro.

Languages:

Some references:
Frankfurt School of Finance & Management
International Business Machines
ATTF Luxembourg

Presentation sheet cretaed / updated on: 2010-08-26 12:24:37

-Financial statements, tax return & related services rendered to private & corporate customers:
-Chartered Accountant, Financial,accounting & tax adviser for a portfolio of SMEs covering the following issues:
- the administrative rules & procedures for the preparation of financial statements, analytical reviews of balance sheet and P & L, periodic reporting to the tax authorities (VAT, income taxes)
- implementation of several monitoring tools, procedures or tailored made solutions of financial & accounting controls.
-Internal & external auditor in several corporate environments:
-Qualified consultant with relevant & diversified experiences in the audit & internal controls activities (Set up of the internal control Policy & the Audit Charter of an microfinance fund in Rabat, Morocco, …).
-Extended scope of proficiency as internal auditor in 2 different environments:
The banking sector & the development sector (On site projects in developing countries, and Head Office depts such as Procurement or Finance)
-Strong analytical skills & excellent commercial contacts with international customers.

-Project officer in a development agency:
- Monitoring and regular follow up of 4 microfinance projects
-Back stopping, recruitment & budgeting process of the concerned projects.
-Proficient in the project cycle management, from the logical framework to the procurement monitoring & the financial reporting process
-Regular visits on site for evaluation process.
-Risks prevention approach:
-In-depth knowledge of the banking activities & procedures such as Corporate Finance, Assets-back credits, Money /Capital markets, Private Banking, UCITS, Nostries, RH…, thanks to a risk prevention approach process, and according to the specific constraints of the banking industry (CAD, Basle I & II, Cooke ratio…).
-Experimented lecturer in several countries (Eastern Europe, Asia, North Africa):
-Specific background as a lecturer involved in different EC technical assistance programs in favour of the banking or the public sector (Frankfurt School of Finance & Management as per 2007, ATTF from 1998, and BBA missions between 1999 and 2003)
-Lecturer for IFBL (Luxembourg Banking Institute) on the Luxembourg domestic market between 1995 and 2003 (Audit & Internal Control in Banks, Financial Management, Human Resources Management)
-Microfinance specific issues:
-Identification of the potential beneficiaries on site, for several microfinance capacity building projects in developing countries (Laos, Mali, Cape Verde).
-Assessment of the internal control structure of a Moroccan MFI with relevant international benchmarkings
-Diagnosis on the potential institutional transformation of MFIs in Morocco
-Analysis of the Tunisian legal framework, supply & demand of microfinance products, & conditions for future development & gap analysis between the current offer & the actual demand of microfinance products & services.