Muhammad Osama Saeed

Experience

• 

  State Bank of Pakistan (SBP)

  Jan 2013 - now

  Banking Supervisor

  Diverse experience in on-site assessment and examination of financial institutions i.e. Commercial and Islamic Banks including Domestic Systemically Important Banks (D-SIBs), Money Services Businesses, Microfinance Banks, and Development Finance Institutions.Have a comprehensive knowledge of international standards and best practices in the areas of Prudential Supervision, Corporate Governance, Internal Controls, Capital and Liquidity Adequacy, and Information Security.Performed compliance testing in core banking segments including Corporate / Commercial Lending, Treasury, Trade Operations, Centralized Head Office Functions, and Shariah Compliance,Have extensive expertise in assessing the effectiveness of control functions i.e. Risk Management, Internal Audit, and Compliance in identifying and managing key risks, especially credit, market, and cybersecurity risks in financial institutions.Have extensive insight into standards and typologies issued by FATF/FSRBs, Wolfsberg Group, and Basel Committee in the area of ML/FT/PF risks and Anti Financial Crimes. Involved in planning and execution of industry-wide Thematic Assessments on AML/CFT/PF controls i.e. Customer Risk Profiling, Transaction Monitoring Systems, Sanction Screening Procedures, and Trade-Based Money Laundering.Conducted assessment of Fraud related events reported by banks/MFB, which raised supervisory concerns and merited in-depth assessment. Also reviewed Financial Intelligence received through Financial Monitoring Unit (FIU) to assess the effectiveness of Reporting Entities' processes and controls with respect to on-going monitoring of relationships in the identification, assessment, and reporting of Suspicious Transactions. Experienced in utilizing Data Analytics tools (MS Excel, Power Query, and Power BI) to analyze and identify deviations, trends, and patterns in financial data of Regulated Entities to identify areas of concern and potential control weaknesses. Mas kaunti