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خلاصہ
I am a senior trade and banking professional with more than 20 years of progressive experience across trade finance, compliance, and retail banking. My core strength lies in seamlessly integrating risk management and regulatory adherence into complex banking operations. I’ve specialized in managing financial instruments, ensuring compliance with SBP, AML, and KYC protocols, and handling high-risk commercial accounts with precision.
Over the years, I’ve led diverse responsibilities in trade finance, including export operations, document scrutiny, financial settlements, and processing export payments. I’ve developed a reputation for meticulous attention to detail and regulatory excellence, especially in managing foreign exchange operations, overseeing export advances, and facilitating approvals for high-compliance jurisdictions.
My work in retail and digital banking has been equally impactful. I’ve driven sales through digital platforms, managed investments, and introduced innovative products such as Roshan Digital Accounts, Kamyab Jawan, and the Naya Pakistan Housing Scheme. In leadership roles, I’ve managed branch licensing, team training, recruitment, and operational audits to ensure smooth zonal-level performance.
Holding a Master’s in Public Administration with a focus on Human Resources, I complement my academic background with a range of certifications in trade, treasury, and compliance. I take pride in delivering results that align business growth with compliance integrity, while fostering collaboration and leadership at every level of the organization.
تجربہ
Trade Facilitation Desk Officer
Deliver advisory services to corporate clients on trade products, risk mitigation, and international trade regulations. Process Export Development Surcharge payments to the government treasury via the National Bank of Pakistan. Create, maintain, and submit FE Returns (A2O2, A4O4) to regulatory authorities for compliance. Scrutinize advance payment documents and manage prompt lodgment to ensure regulatory adherence. Facilitate seamless export transactions by issuing payment realization certificates for rapid payment realization. Obtain compliance approvals for transactions involving sanctioned countries. Ensure accurate issuance of bank guarantees while maintaining strict regulatory compliance oversight.
Key Accomplishments
Streamlined global trade by processing letters of credit, bank guarantees, and documentary collections, and executing MT-103 advance payments, ensuring seamless import/export operations.
Played an integral role in managing issuance, modification, and certification of financial instruments through Pakistan Single Window (Export), ensuring compliance and efficiency.
Achieved strict regulatory compliance for high-risk commercial accounts to reduce financial and legal risks.
Succeeded in processing FE returns (A2O2, A4O4) and DLTL objections, rectifications, and incremental cases.
Retail Banking Specialist
Liaised with the compliance department to oversee and resolve NAB, FIA, SBP, and other regulatory, criminal, and compliance inquiries. Settled ATM claims and executed local remittances via PO, DD, online transfers, EFTs, and RTGS. Processed foreign bill lodgments and cleared foreign cheques through a centralized clearing in Karachi. Completed complex formalities and processed information for Kamyab Jawan and Naya Pakistan Housing programs. Updated e-KYC to track customer transactions and monitor account behavior for unusual transaction patterns.
Key Accomplishments
Ensured swift resolution of locker key issues and associated challenges, including issuance, surrender, succession, break-ins, and various legal processes.
Successfully managed account opening operations and resolved customer queries on account setup and KYC maintenance to ensure thorough customer due diligence.
Guaranteed accuracy and completeness for audit and record purposes by assessing transactions/postings and signing everyday posting sheets.
Processed and disbursed inward/outward foreign remittances via SWIFT and foreign DDs for fees, freight, commercial, and personal payments in line with SBP regulations and the bank’s internal policy guidelines.
Achieved branch targets through NTBs/ETBs by marketing and selling banking products, including RDA, Kamyab Jawan, Naya Pakistan Housing Scheme, and Auto Loan.
Trade Officer
Held full accountability for processing export documents to ensure accuracy and timely submission. Delivered advisory services to businesses on import/export procedures, tariffs, and trade barriers.
Key Accomplishments
Managed trade portfolio worth PKR 10B and ensured compliance with with international trade regulations
Ensured zero overdue SBP audits, EE, and ERF while managing branch-level trade operations with compliance.
Achieved seamless Export LC advising, Direct Dispatch, Collections, and Packing Credit issuance for efficiency.
Support Officer, Zonal Office
Streamlined and supervised everyday administrative tasks of branches in line with strategic requirements to ensure seamless workflow. Maintained comprehensive periodic MIS reports covering deposits, account counts, ADCs, credit, and trade figures. Issued branch license while coordinating with SBP. Determined zonal office issues in liaison with branches. Conducted interviews, tests, and selection procedures to recruit and select qualified staff members. Developed directives for policy matters issued by Head Office, Regional, and Group Offices.
Key Accomplishments
Achieved branch targets by assigning annual goals and closely liaising with branches while ensuring full compliance with Head Office guidelines.
Managed a team to deliver periodic reporting and manage operational aspects during the merger of Metropolitan Bank Ltd and Habib Bank AG Zurich.
Led comprehensive end-to-end branch launches by expertly conducting initial opening surveys, securing favorable rent agreements, meticulous budgeting, refurbishing premises, and issuing tenders.
Directed a team to execute online scanning of Specimen Signature Cards and centralize Account Opening Forms for a Head Office-assigned project in the Northern Region.
