About

I'm Houssam Eltouny — a Dubai-based fraud and operational risk leader with ten years across UAE and Bahrain regulated banking. I currently lead fraud risk at Wio Bank.

I also build. Most visibly askhoras.com — an AI-powered fraud checker for UAE consumers — plus a stack of MCP servers, OSINT tooling, and internal research databases I use to keep current on the threat landscape.

What I do

• Fraud risk infrastructure: monitoring rules, investigation protocols, policies, SOPs
• KRIs with thresholds and escalation, RCSA facilitation, control effectiveness monitoring
• Incident governance, root cause analysis, corrective action tracking
• CBUAE-aligned regulatory submissions, FIU reporting (incl. goAML XML automation)
• Fraud and transaction monitoring platforms: VRM, Mastercard Fraud Center, Feedzai, IMTF, PowerCard
• Data tooling: Databricks SQL, Splunk, Metabase

Certifications

• Certified Fraud Examiner (ACFE, 2022)
• Key Risk Indicators in Risk Management (EIF, 2016)
• Certified in Banking Operations (EIF, 2015)

Education

B.Com with Business Administration · Alexandria University, Egypt

Career

1. Oct 2024 — Present

   Fraud Risk Manager · Wio Bank, Abu Dhabi

   Incident governance for major fraud events; CBUAE-aligned reporting; fraud detection model design; goAML automation.

2. Mar 2024 — Oct 2024

   Enterprise Risk Management · National Bank of Bahrain, Dubai

   Built and embedded the ERM framework for NBB's UAE digital banking expansion.

3. Dec 2021 — Feb 2024

   Fraud & Operational Risk Manager · ZAND, Dubai

   Established fraud risk operations from scratch; 30+ fraud monitoring rules; team of 4 analysts.

4. Sept 2015 — Dec 2021

   Financial Fraud Analyst (Cards & E-Channels) · Dubai Islamic Bank

   AED 13M+ in fraud savings in 2019 through enhanced detection rules and real-time monitoring.