Experience

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  Standard chartered bank

  May 2005 - Jul 2005

  Intern

  Being an Intern at 'Credit & Collection Unit', I got to learn a lot of basics on credit assessment.That was basically my intro to corporate arenaKey Responsibilities• Analyzing bank statements provided by loan seekers for following types of loans:> Flexi Loan.> Personal Loan.> Islamic Personal Loan.> Business Finance Loan.• Assessment of income level of loan seekers to assist credit analyst for analysis/approval of credit profiles.

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  Nestle bangladesh limited

  Jul 2005 - Oct 2005

  Officer, finance

  Nestle Bangladesh Ltd was my first employer & I was pretty much excited with the environment of the company.It was simply spledid! .1.I was looking after Taxation issues of company including staff tax, AIT,VAT& others2.I had to deduce the prices of product which was the key to assessing financial statement, forecasting, budgeting etc3.I was assigned with handling compliance issues with various vendor & external affairs as well

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  Standard chartered bank

  Oct 2005 - Jun 2018

  1. Managing Operational risks for retail bank segment with the tools, guidelines, policies & procedures provided by Group operational risk team of the bank2. Responsible for risk culture, training, awareness, socialization, risk governance. risk committes etc.3. FATCA (Foreign Account Tax Compliance Act) championing for Retail Banking4. Championing Canadian Tax Act project , CRS (Common Reporting Standard) Project for Retail BankingKey Achievements:1. Successful roll out of FATCA (Foreign Account Tax Compliance Act) and corresponding policies and processes, systems and infrastructure in Bangladesh, Retail Clients2. Successful roll out of Canadian Tax Compliance Act and corresponding policies and processes, systems and infrastructure in Bangladesh, Retail ClientsI was the project leader of this roll out project.3. Launching Islamic Banking KCSA (Key Control Self Assessment). It was ever first set of KCSA for Islamic Banking Products. Before that no one even think of this Show less Major Responsibilities1. Assist Head of Operational Risk-CB, to take all risk issues forward toward resolution2. Assist Head of Operational Risk-CB to analyze , scrutinize G/B/LKCSA for applicability of units under CB3. Coordinate BORC and Pre BORC and table all risk and ops loss events for management and concerned stakeholders information4. Analyze root causes of issues to find out the underlying risks5. Make BORC & Pre BORC more effective 6. Support UORMs and RPs for thier day to day OR related activities7. Lianne with region and group for various issues and socialization8. Act as a BORM role in Optial system and accept , disseminate G/B/L KCSA as per applicability9. Act as a phoenix coordinator for CB Bangladesh10.Act as a custodian and coordinator of audit11. Ensure that Ops loss is at minimum level12, Socialization of lesson learnt amongst key stakeholders* BORC= Business Operational Risk Committee** UORM= Unit Operational Risk Manager*** RP= Responsible Person**** KCSA= Key Control Self Assessment*****BORM= Business Operational Risk Manager****** G/B/L= Generic/Business/Local Show less October 2007 - Present 1. Managing Operational Risk Issues for Consumer/Retail Banking of Standard Chartered bank2. Looking after issues triggered from to day to day Operational activities e.g. risks out of system, process, people, external events3. Handling/coordinating monthly Operational Risk Meeting where all possible existing and potential risk issues are discussed and action plans are taken with specific target date for resolution4. Maintaining liaison with Legal & Compliance on various compliance issues.5.Assurance of Group as well as local compliance in day to day activities & escalation of the same to respective business unit for due compliance.Key achievements:• Triggered discrepancies in different areas & minimize the same through escalation to proper channel/s.• Started the process to streamline all Local KCSAs according to appropriate KCS, KCSA, Control Measure, frequency and make overdue status NIL.• Prepared a consolidated database for all risk triggering toolkits like, KCS, KRI, Complaints, ROFs socialized GAPs, Ops Loss and others to have a prompt report for BORC tabulation.• Assist in achieving ‘satisfactory’ rating in GIA (Group Internal Audit) visit.• Preparation of critical process inventory with the criticality level.• Refurbishment of legal key control standard, total number is down to 15. Show less Account Services was the Gateway of customer relationship with the Bank. Considering the fact, Money Laundering Risk was the key to be assessed at Account Services Unit1. I was looking after day to day Money Laundering risk identification as sample basis through the checking of Account Opening detail & customer profile2. I was managing customer complaints which was linked to reputational Risk3. I was assigned to coordinate with SCB group for various reporting issues.4. I was the key to make liason with local LnC & BB for customer relationship queriesKey achievements:• Launching access based database for blacklisted customers (PEP, Sanctioned, Terrorist, and Associate/Relative) sorted in PME (Periodic Matching Engine). It was a first ever invention on this space. It helped to identify , store and retrieve the blacklisted customers in the portfolio and hence helped to reduce the risk of money laundering terrorist financing • Automation of Complaint Tracking Process. It helped to track and manage unit specific customer complaints in structured manner• Re engineering of process in Courier Control that saved cost in a significant amount.• Overall automation of “Operational Risk Control” activities that made generating report & tracking, monitoring the same easy & prompt. Show less

  • Senior Manager, Assurance- Products and Segments

    Jan 2015 - Jun 2018

  • Business Operational Risk Manager - Retail Products & Wealth Management

    Oct 2014 - Dec 2014

  • Senior Manager, Operational Risk-Retail Products & SME

    Apr 2014 - Sept 2014

  • Senior Manager, Operational Risk, Retail Banking Products and WM

    Oct 2012 - Mar 2014

  • Manager, Operational Risk, Consumer Banking

    Mar 2010 - Sept 2012

  • Assistant Manager,Operational Risk, Consumer Banking

    Nov 2007 - Mar 2010

  • Officer, Operational Risk, Account Services, CB Operations

    Oct 2005 - Oct 2007
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  Ideas for development

  Jan 2011 - now

  Co-founder

  Ideas for development(www.ideasfd.org) is a virtual think tank, aiming to supporting government, regulator, donners, private organizations & other stakeholders by sharing effective ideas, recommendations, suggestions, directives & guidelines to address different critical concerns, challenges of the businesses. My Major responsibilities here:1. An expert reviewer of policy papers/research papers/analytical notes/Idea notes which are to be published at IFD platform. 2. As a reviewer of a paper, I am responsible to review, edit and translate paper content before they get published.3. A part time contributor at IFD. My first article published at IFD is on education system of Bangladesh. Show less

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  Brac bank limited

  Jun 2018 - Jan 2023

  Responsible for managing enterprise wide risk e.g. credit risk, liquidity risk, operational risk, money laundering risk, fraud risk, other financial & non-financial risk of BRAC Bank as 2nd line of defense & ombudsman. The portfolio I had to mange was then $ 3.5 Billion Asset, $2.5 Billion Liability, 10k resources, a network of 187 branches, 450 ATMs, 1000 Agent Banking & finally a client base of 1.5 Million Clients Managing bank wide risk with the asset portfolio 21 thousand crore, deposit portfolio 19 thousand crore, 186 branches , 450 SME outlet, 1.2 mio clients, 8000 employee.

  • Head of Risk Management Unit

    Mar 2020 - Jan 2023

  • Deputy Head of Risk Management Division

    Mar 2019 - Feb 2020

  • Head of Operational Risk & BASEL Implementation

    Jun 2018 - Feb 2019
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  East west university

  Sept 2022 - Feb 2024

  Guest faculty
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  Indepedant researcher and consultant

  Jan 2023 - now

  Independent researcher

  Google Scholar Page- https://scholar.google.com/citations?user=PtkcCO0AAAAJ&hl=en&oi=aoHave been keen in research activity , particularly in the area of Finance, Sustainable finance, climate risk, sustainable business, Corporate Governance, Risk Management etc. 1. Research Paper title- Do Gold, Oil, Equities and Currencies hedge economic policy uncertainty and Geopolitical Risks during Covid Crisis? Published in Resources Policy (Ranking: ABS-2, ABDC-A),Volume 78, September 2022, 1029202. Research Paper title-Relationship between FDI and Environment: Evidence from Emerging Countries. Published in Bangladesh Development Studies ,Vol. XXXIX, September-December 2016, Nos.3&4 3. Research Paper title- On the potential hedging instruments against central bank digital currency uncertainty and attention indices. Published in Asian Economics Letter,Vol. 4, Issue Early View, 20234. Research Paper title- Effects of economic uncertainty on the asset quality of banking sector: Evidence from a developing country. Published in Journal of Developing Areas (Ranking: ABS-1), Vol. - 58, Number -1, Winter 20245. Research Paper title-Biodiversity risks in commodity markets. Submitted in journal & under review6. Research Paper title-Recommendations on COVID-19 Stimulus Package of the Government of Bangladesh. Published in virtual think tank 'Ideas of Development (ideasfd.org)'7. Research Paper title-Absence of Synchronization in Bangladesh's Education System. Published on April 14, 2012 , in virtual think tank 'Ideas of Development (ideasfd.org)' Show less

• 

  Finexp consultants

  Jan 2023 - Jan 2024

  Chief consultant

  Full -fledged financial and management consultancy for both emerging and mature companies with cutting -edge & time-befitting solutions and expertise

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  Unique group

  Jan 2023 - Jul 2023

  General manager- internal control compliance process engineering, branding r&d and strategy

  -Internal control and risk based audit function -B&M strategy of the company and support CEO to execute B&M agenda of the company-Research & development function -Business strategy for all SBUs -Review the feasibility of different new business-Perform thorough feasibility of current project-Highlight key business and economic indicators to MANCOM team for business decisions -Support CEO to drive different agenda relating to Family TRUST OfficeKey Achievements:-Formed Research & Development Function-Reviewed & optimized Internal Audit Framework -Recommendations on core business strategies -Launched 'GEM' to promote rewarding culture-Actively participated in 'Revitalized HR Strategy'-Assisted in Brand & Marketing Strategy-Acted as shadow CEO to Group CEO to execute various projects including Project NIMBLE, Project EXPLORE (Exponential , Lasting & Outstanding Revenue Effort) Show less

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  Walton group

  Jul 2023 - Dec 2023

  Executive director and head of finance & treasury

  -Financial strategy, planning & execution -Embed Treasury solutions at Treasury -Financial Risk Management -Optimal financing portfolio-Balance sheet restructiring-Liasion with banks, FIs, regulators-Leadership role in managing 18 memebr teamAchievment: *Net Profit -BDT 138 Cr in Q2,24FY- positive net profit in Q2,24FY was largely contributed by lower Finance cost (reduced by 26% YoY , which was real tough job to concede)*Building sufficient cushion for FX loss in product costing so as to avoid unexpected shock.*As a proactive risk mgt measures, arranging low-cost finances of BDT 1000 Cr to safeguard agianst unexpected loss during election period*Enacted cash mgt products/treasury solutions to streamline cashflow management Show less

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  Dbl group

  Dec 2023 - Apr 2024

  General manager & chief risk officer (cro)

  Senior level risk ombudgement for the group to look after enterprise wide risk and manage all key risks in line with approved risk management policy and appetite. Achievement:-Risk management policy for the group-Risk management framework-Risk Profile of the RMG segment-BCP policy-Proposed org chart for risk management team

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  University of dhaka

  Dec 2023 - now

  Guest lecturer

  Courses taught in MBA 1.Financial Statement Analysis for Banks

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  Nagad

  May 2024 - now

  Responsible for internal control & compliance function of the company , conducting board audit committe, ensuring strong governance and control enviroment withint the organization, support board to have adequate oversight upon control and compliance structure. -Overall risk management of digital bank as per regulatory guideline & bank's policy -Participate in preparing risk strategy of the bank -Help management to enact forward looking risk management culture within the bank -Report board with required risk triggers ,red flags in business & operations-Review various policies ,processes ,campaigns and make necessary amendments -ICAAP, STRESS TEST, CRMR,MRMR etc.-BASEL compliance

  • SVP & Head of Internal Conrol & Compliance

    Sept 2024 - now

  • SVP & Head of Risk Management

    May 2024 - Oct 2024