Experience

• 

  National bank of pakistan

  Jun 2011 - Jul 2011

  Internship

  Worked on Reconciliation Statements of Fixed Assets pertaining to extension network of branches in various regions

• 

  Bank al habib limited

  Sept 2012 - Nov 2016

  Preparing, compiling and submitting SBP returns relevant to advances portfolio of the Bank. Preparation of various MIS reports as required by the Management. Categorization of the Bank’s Advances Portfolio as per Industry / Segment/ Facility/ Prudential Regulations. Comprehensive Training on Basic Banking Operations i.e. Cash, Clearing, Remittances, Credits, Foreign Trade and Anti-Money Laundering

  • Credit Reporting Officer

    Mar 2013 - Nov 2016

  • Management Trainee

    Sept 2012 - Feb 2013
• 

  Standard chartered bank

  Nov 2016 - Feb 2024

  IMO is a centralized department in SCBPL for Corporate and Commercial Banking which includes Client On boarding and Account Management, Customer Due Diligence, Credit Documentation Unit, Legal Documentation Unit and S2B services Core Responsibilities:To perform CSTs for new client on-boarding, CDD approved during the month to ensure all requirement including group and local country requirements are met.To conduct reviews within IMO function in order to mitigate risksCo-ordination with Banks’ internal audit and risk departments during peer reviews and closure of audit and risk issuesCo-ordination with local regulator during the inspection and ensuring submission for data requirement by the regulator. To manage all risk issues for the department Show less Compliance is the second line of defense in a Financial Institution. Regulatory Compliance is one of the key compliance unit whose Prime objective is to ensure that all provisions of the applicable Laws, Regulations and Group directives are complied with letter and spirit. The unit helps in mitigating the Legal and Regulatory Risk.Core Responsibilities:On receipt of SBP requisition (data/information); Interpret, Develop logic in consultation with SBP / Business and submission covering both Ad-hoc/on-site inspections (full scope and thematic).Provide advisories to business units/segments on SBP requisitions Ensure data / information being reported is in compliance (letter & spirit) with regulatory requisition. Ensure swift coordination and timely submission of data to Central Bank by business units Review of penalties imposed and its allocation to respective units Semi automating the MIS for synchronizing the reminders and closures Coordination with SBP Inspection teams/ad-hoc requirements and managing the complete review, discussion/contest, submission of bank’s response and implementation of actions Review of process notes including internal Department Operating Instructions, Bio Metric etc and drive results to counter AML risks for the bank. Show less The main function of Credit Risk control include preparation of loan documents, record keeping and safe custody of all type of legal documents, arrangement of disbursement of loan facility once security document are complete. Additionally, department is responsible for regulatory reporting pertaining to advances portfolio for corporate and commercial clients.Core Responsibilities:Development of logic for extracting data as per the Regulatory requirement. Preparation and compilation of multiple Regulatory returns including SME, corporate and commercial, eCIB, A07, Agri etc. Preparation of various group reports i.e. Country cross border report, sovereign report, Nostro reconciliation report etc Ensuring all the relevant Regulatory Returns are compiled, risk rated and a complete repository is maintained. Show less

  • Specialist Control Process & Governance- Integrated Middle Office

    Oct 2021 - Feb 2024

  • Associate Enablement - Integrated Middle Office

    Dec 2019 - Oct 2021

  • Specialist Regulatory Compliance

    Jul 2018 - Nov 2019

  • Assistant Manager – Credit Risk Control

    Nov 2016 - Jun 2018
• 

  Rakbank

  Feb 2024 - now

  Assistant manager - business operational risk management