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About · Dubai

Fraud risk leader.
Quiet builder.

I've spent ten years inside UAE regulated banking — building fraud and operational risk from the inside out — and the last two years building products on the other side of that wall. This page is the long version.

10y
in UAE banking
4
banks · DIB · ZAND · NBB · Wio
CFE
ACFE certified
CBO
EIF banking ops

The short version

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 focus on

  • Fraud risk infrastructure

    Monitoring rules, investigation protocols, SOPs. The boring plumbing that catches the loud incidents.

  • Governance & reporting

    CBUAE-aligned regulatory submissions, FIU reporting (goAML XML automation), incident RCA + corrective action tracking.

  • KRIs & control monitoring

    KRIs with thresholds and escalation paths, RCSA facilitation, control effectiveness monitoring.

  • Fraud / TM platforms

    VRM, Mastercard Fraud Center, Feedzai, IMTF, PowerCard. Data tools: Databricks SQL, Splunk, Metabase.

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

    Cards & e-channels fraud detection — card fraud control, authorization processes, rule design and real-time monitoring across the customer base.

Certifications

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

Education

  • B.Com, Business Administration
  • Alexandria University, Egypt · 2008 — 2012

Working on something fraud-adjacent, or want to talk shop? Get in touch.