Trusted Experts in Governance, Risk, and Compliance

At Program mara Global Financial, we provide integrated advisory solutions to financial and banking institutions, through which we enable boards of directors and executive management to enhance governance, risk management, regulatory compliance, anti–money laundering and counter-terrorism financing, IT governance, and Environmental, Social, and Corporate Governance (ESG) standards.

We focus on building effective frameworks, developing policies and procedures, implementing capability models, and conducting independent assessments and audits, ensuring disciplined institutional performance, high reliability in achieving strategic objectives, and compliance with regulatory requirements and international standards.

Our Services and Consulting Areas

Assessment of Islamic Banking Products and Services

Governance, Risk, and Compliance (GRC)

Review of the policies, procedures, and controls associated with the Governance, Risk, and Compliance (GRC) framework, and implementation of the GRC capability model, to achieve disciplined performance and ensure reliability in achieving objectives

Compliance and Anti-Money Laundering

Specialized consulting services in the field of anti–money laundering and counter-terrorism financing, including independent external audits to assess the components of the anti–money laundering 

Specialized consulting services in Core Banking systems and digital financial applications, anti–money laundering and counter-terrorism financing (AML/CFT) systems, IT governance and IT service management systems, as well as Islamic banking products 

Consulting on Banking Systems

Specialized consulting services in the design, development, and evaluation of Islamic banking products and services, in compliance with Shariah rulings and Islamic banking

Environmental, Social, and Corporate Governance (ESG)

Consulting services related to the implementation of Environmental, Social, and Corporate Governance (ESG) frameworks, and aligning the bank’s policies with international best practices in the field of ESG. This also includes support for the preparation of sustainability and social responsibility reports, the integration of climate and social risks into the enterprise risk management framework, as well as support for compliance with sustainability-related regulatory requirements

Banking Risk Management

Development or update of the Enterprise Risk Management (ERM) framework in line with the entity’s nature of activities and strategy, including the identification and classification of various banking risks, and the preparation of an integrated risk register linked to strategic objectives. The scope of work also includes providing technical support for the Internal Capital Adequacy Assessment Process (ICAAP) and stress testing, enhancing the institution’s ability to anticipate and manage risks effectively

Self-Assessment of Money Laundering and Terrorism Financing Risks

We provide a self-assessment service for money laundering and terrorism financing risks in accordance with the Central Bank’s requirements for the annual self-risk assessment, and in compliance with the applicable regulatory 

International Trade Using Blockchain Technology

Utilization of blockchain technologies and smart contracts for trade-based banking products and services (such as letters of credit and bank transfers) as an alternative to traditional trade processes, enabling independent, fast, and secure international trade in foreign goods

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