Sharia Review Officer

Role summary The Sharia Review Officer is responsible for conducting independent Sharia reviews to ensure that all products, services, transactions, contracts, and operational practices of the Bank are fully compliant with Sharia principles, Sharia Board rulings, and approved internal policies. The role supports the Sharia Head and Sharia Board by providing ongoing assurance, identifying non-compliance risks, and recommending corrective actions to strengthen the Bank’s Sharia governance framework Duties and responsibilities Conduct regular and ad-hoc Sharia reviews of banking products, financing operations, treasury activities, deposits, and service offerings. Review contracts, agreements, procedures, and marketing materials for Sharia compliance. Verify implementation of Sharia Board fatwas, resolutions, and instructions. Perform Sharia reviews on selected transactions and product processes. Identify Sharia non-compliance issues and assess their impact. Recommend corrective and preventive measures. Support the development and enhancement of Sharia review methodologies, programs, and checklists. Ensure proper documentation of Sharia review work and findings. Support integration of Sharia controls into business processes. Prepare periodic Sharia review reports for the Sharia Head and Sharia Board. Track implementation of corrective actions and follow up on outstanding issues. Escalate material Sharia non-compliance matters promptly. Coordinate with Internal Audit, Compliance, and Risk Management on Sharia-related matters. Support joint reviews where Sharia risk overlaps with operational or compliance risk. Provide Sharia input during audits, inspections, and regulatory reviews. Support business units during product development and process changes. Provide Sharia review input before new products or services are launched. Review system configurations affecting Sharia-based products. Support Sharia awareness initiatives and staff training programs. Assist in preparing Sharia guidelines and reference materials. Promote a strong Sharia compliance culture across the Bank. Job requirements Education Bachelor’s degree in Sharia, Islamic Jurisprudence, Islamic Banking & Finance, or related field Master’s degree in Islamic Finance or Sharia is a strong advantage AAOIFI CSAA/ CIPA will be preferred Experience Minimum 1–3 years of experience in Islamic banking, Sharia review, or Sharia audit Practical knowledge of Islamic banking products, contracts, and structures Experience working with Sharia Boards and control functions is preferred Skills & Competencies Strong knowledge of Fiqh-ul-Muamalat and Islamic finance principles Understanding of banking operations and financial products Strong analytical and documentation skills High ethical standards and professional integrity Ability to work independently and objectively Good communication and reporting skills Performance Evaluation Performance will be evaluated based on: Quality and effectiveness of Sharia reviews Timeliness and clarity of reports Reduction of Sharia non-compliance issues Implementation rate of corrective actions Contribution to strengthening Sharia governance Professional & Ethical Standards The Sharia Review Officer shall: Maintain strict confidentiality Avoid conflicts of interest Act with independence and objectivity Comply with Sharia governance framework and bank policies