Emma Hegarty

This year I have been fortunate to be able to volunteer at the Al Mamoon Initiative which provides horse riding lessons and stable management to children who have a range of special educational needs and disabilities

Through regular interaction with the children I have been able to build a relationship with them, assisting them in a new environment and help them work through any apprehensions they might have whilst learning a new skill.

I have found this experience to be personally very rewarding, watching children develop their confidence, increase their vocabulary and enjoy learning to ride.

I also worked alongside the stable management team with their duties when there was no children in attendance at the stables.

• Managing a home and family, often alone and without support due to my Husband travelling for extended periods for work
• Managing daily household operations including meal planning and preparation.
• Coordinated educational and recreational activities to support child development.
• Maintaining organised schedules for family appointments and events.
• Assisted in developing routines to promote posi
• Assisted in developing routines to promote positive behaviour and discipline.
• I have been Safa Community class WhatsApp parent for the last four years and have developed relationships with both parents and teachers

• CeMap qualified
• Worked within a team of twelve
• Received cash deliveries
• Managed the branch in the absence of the branch Manager
• Developed strong relationships with clients, providing ongoing support throughout the mortgage journey.
• Advised clients on mortgage options and tailored solutions to meet individual financial needs.
• Conducted thorough assessments of clients' financial situations to determine suitable mortgage products.
• Facilitated communication between clients and lenders, ensuring a smooth application process.
• Reviewed and analysed mortgage applications, verifying documentation for accuracy and compliance.
• Mentored junior staff on best practices in mortgage advisory services and customer engagement.
• Simplified complex financial terms for better client understanding.
• Offered comprehensive support to clients with complex mortgage queries.
• Maintained up-to-date knowledge of industry trends for superior service delivery.

• Underwriting new group and individual policies
• Priced new and renewal policies
• Evaluated insurance applications to determine risk levels and coverage options.
• Balanced profitability and risk exposure through strategic decision-making processes.
• Collaborated with agents to gather necessary documentation for underwriting processes.
• Analyzed market trends and policy changes to inform underwriting guidelines.
• Conducted risk assessments to establish appropriate premiums and terms for policies.
• worked within my own team of six underwriters in Dubai and leased with a number of different departments both in Dubai and worldwide

• Assisted customers in managing accounts and resolving inquiries through effective communication.
• Provided support for customers in utilising online banking services and troubleshooting technical issues.
• Educated clients on product offerings and financial services to enhance their banking experience.
• Processed transactions accurately while adhering to compliance and security protocols.
• Documented customer interactions and feedback to identify trends and areas for improvement.
• Offered friendly, efficient customer service and handled challenging situations with ease.