Governance:
•        Ensure policies / SOP are in line with group policies and guidelines. Exception has been taken with sufficient justification.
•        Gear up the efforts in timely manner to revisit and update risk management policies and framework adhering to the regulatory requirement and best industry practices.
•        Ensure country laws and regulations are adequately incorporated in SOPs.
•        Implementation of SBP’s Risk Management Framework to instill risk culture.
•        Review operating systems in line with risk appetite framework of MMBL.
•        Identify and report governance issues to the relevant authorities.
•        Point of contact and interface with internal and external stakeholders.
 
Operational Risk:
•        Proactively spotting and flagging the possible risk incidents.
•        Regularly reviewing and providing feedback to develop robust policies, Sop’s and legally binding agreements.
•        Process-based risk review to identify, escalate the emerging risks and issues also influencing the implementation of corrective action plans with risk owner.
•        Conduct risk assessment of existing and potential products and services.
•        Develop, revisit and monitor KRIs “early warning indicators” for various business lines.
•        Ensure collection and updating the loss database in compliance of SBP’s framework.
•        Developing, updating and executing RCSA / Risk registers for various business lines.
•        Preparing & submitting the presentations/working papers for management committee meetings “ICSC / BRMC”
 
Branchless Banking / DFS:
•        Risk review of agent based Branchless Banking activities in line with BB regulations.
•        Monitoring the onboarding process for agents and merchants adhering to CAMP, and relevant Frameworks.
•        Identifying gaps for existing and newly opened M-Wallets, and digitally opened accounts.
•        Risk review of agreements with agents, franchises and merchants to spot out possible risk.
•        Reviewing agents, merchant’s due diligence and onboarding criteria in line with the SOP’s.
 
Outsourcing Arrangements:
•        Development and implementation of outsourcing policy and SOP’s in line with the SBP’s framework and guidelines.
•        Conducting risk & materiality assessment, due diligence of outsourced arrangements.
•        Ensuring compliance of pre-requisites while presenting to relevant committee (ORC) for approval.
 
Business Continuity Management:
•        Development of Business Continuity Management Framework.
•        Business Impact Analysis “BIA” to identify critical business functions and RTO /RPO.
•        Development and testing of bank wide BCM Plan as per BCMF and SBP guidelines.
•        Presenting gap analysis to the relevant committee for corrective actions.
 
 
General:
•        On /off site risk review of branch functions
•        Analysis of fraud cases as per emerging trends
•        Exceptional reporting of red flags identified through routine analysis
•        Updating risk management policy, framework and procedures (as required)
•        Training of branch banking and HO staff (as required)

• Review of documents including but not limited to the policy, procedures and agreements to identify any operational gap, particularly where up dation are made to make the process in line with T 24.
• Liaison with relevant departments to arrange data required to ensure completeness of presentations for further submission to risk forums \"RMC/ BRMC\" on quarterly basis.
• Perform root cause analyses of audit reports to identify risk areas where organization and improvement were deemed necessary to mitigate operational risk.
• Coordination with “T 24 project team” to provide feedback as per operational risk perspective.
• Assisting, line manager for compiling the operational risk report.
• Working to develop the comprehensive model for assessing / gauging the efficiency of branch operations to identify the procedural and operational gaps to mitigate the recurring of issues.

Evaluate the adequacy, reliability, appropriateness and integrity of operational standards which subsequently affects management decisions
• To ensure the effective and efficient conclusion of assignment by supporting the basic assertions of completeness, accuracy and efficiency
• Preparation of reports for management review, highlighting the significant deviations from policies, procedures and best banking practices
• Conduct follow-up reviews to determine the adequacy and timeliness of the implementation of recommendations.

Planning of review work in accordance with the scope and complexity of the area under review
• Conduct re-assessment of collateral secured against lending
• Align Schroff and customers for re-evaluation exercise.
• Independently monitor and review the business continuity drill.
• Identification of key business risks ensuring that controls are being developed timely

Mitigate the financial & reputational losses by efficiently and effectively investigating, analyzing, and reporting the
complaints.
• Monitoring of customer accounts activity, review and investigation of out of pattern transactions.
• Branch operations review to ensure compliance to the bank’s policy and procedures
• Re-assessment of collateral retained at branches to check & verify the genuineness of collateral.
• Compiling of reports for reviews and re-evaluation

Off-site review of Branch operations
• Periodic on-site review of Branches & financial Centers to identify the operational gaps.
• Ensure compliance to SBP regulations.
• Assist risk manager for periodic collateral revaluation.