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概要
More than 17 Years of total banking experience. Presently working at The Bank of Punjab as Unit Head-Compliance Review (Central). Previously working at FINCA Microfinance Bank Ltd around 4 & 1/2 years. Posted as Unit Head Internal Control and joined as Regional Compliance Controller in Aug 2017. Lead the team of Regional Compliance controller’s and Branchless Banking Compliance Team. Before Joining at FINCA worked at Bank Alfalah Limited – Islamic Banking around 13 years and exit from the position of Cluster Associate – Islamic Banking Operations. During the tenure at BAFL worked at different positions like Area Operation Manager, Manager Operation, Off Branch Manager, In-charge CAD, In-charge Accounts & Finance and conducting branches reviews with perspective of Audit, Compliance and Controls. I have experience in area of Branch reviews, Policies & Procedures reviews, KYC Reviews, Branch Banking Operations, Cross Sell, Accounts, Credit Administration, Training and Branch Administration.
项目
工作经历
Unit Head - Internal Control
This position manages internal control (IC)units and supervises regional compliance controllers (RCC\'s) for branch visits and HO team for review of HO departments at FINCA; Briefs and guides RCC\'s in monthly planning of branch visits; Reviews monthly visit reports, audit draft report and analyzes significant audit matters (SAMs) in light of IC policy, procedures and regulations; Brainstorms corrective measures for elimination of risks and anomalies; Consolidates audit reports, visits plan reports and branches review and shares with supervisor on monthly basis; Coordinates with internal stakeholders in the matters pertaining to internal control audits and reports; Assesses training needs of branches and conducts IC training for relevant stakeholders; Arranges IC meetings of RCCs for discussion on monthly plans and operational health of branches. These responsibilities are carried out WITH the objective to ensure periodic reviews of branches, check compliance with SBP regulations and strengthen branches operations within the limits of organization policies, procedures, SOPs, SBP regulations, compliance, approvals form concerned authorities and directions/guidelines from the supervisor.
Regional Compliance Controller & Coordinator
·Lead the team of Regional Compliance control with Dy. Head Compliance.
·Review the performance of the RCC’s.
· Provide training on Cash Management Strategy and AML& KYC at different regions.
· Monitor overall operational activities of the branches.
·Review of branch operational working to ensure that the branches follow’s the SOP, Compliance and Audit Instructions in true letter & spirit.
·Branch compliance review on minimum once in a Quarter.
·Implement high values of customer service in branches through monitoring of Customer Experience Review and Improve Customer Experience Scores of branches
·Holding OM Monthly meeting to review branch operational Performance
·Operational Staff Training at regional level.
·Ensure the rectification of Compliance of Audit / Compliance Team Observation.
·Discuss the branch Audit & Compliance Reports with internal Auditors & Compliance Team in final Audit / Exit Meetings
Cluster Associate
Assist Cluster Operation Head in daily matters. Review of Operational Process and suggestions for improvement in process. Short write up’s on different topics for IBG operation staff for easy understanding of Process and improvement in better operational control. Monitoring the performance of IBG AOM’s.
Area Operation Manager
• Monitor overall operational activities of the branches in Area
• Friendly Review of braches to ensure the branches follow SOP, Compliance and Audit Instructions
• Implement high values of customer service in branches through monitoring of BSL scores of branches
• Holding BM /OM Monthly meeting to review branch operational Performance
• Replies of AML Enquires by Compliance department on branches
• Discuss the branch Audit reports & Compliance of Audit Reports with internal Auditors & ICD in final Audit Meetings
• Ensure Compliance of all institutional / SBP Policies, Procedures, Regulations by the branch operations
Manager Operations
• Supervision of Account Opening
• Supervision of Cash Transactions
• Supervision of Transfer Transactions
• Supervision of Online Transactions
• Supervision of I/W & O/W Transactions
• Monitoring of Transaction in the light of KYC & AML
• Holding Vault key
• Satisfactory Audit rating of the branch
• Monthly, Quarterly reporting to Finance & Head Office
Incharge Credit Admin
In-Charge Credit Administration July 2007 to January 2009
Job Responsibility
• Credit Monthly & Quarterly Reporting
• Review of Credit File
• Obtaining DAC from CAC
• Safe Keeping of Security Documents, Stamps & Agreements
• Preparation of Murabaha Transaction Documents & Disbursement
Incharge Accounts & Finance
In-charge Finance & Accounts September 2004 to June 2007
Job Responsibility
• Preparation of daily & monthly reports submitted to Head Office
• Preparation of Branch Budget
• Payments to Vendors
• Checking of Daily Activity & Vouchers
• Maintaining Fix Assets
• Reconciliation with Head Office
• Staff Salary Disbursement
• With Holding Tax Reports
• Maintaining Prepaid Expenses
• Month End Accruals of Profits & GL Revelation (FCY)
