o    Joined UBL Transaction Monitoring Unit (TMU) as Manager AML Compliance Core responsibilities include post analysis of transactions w.r.t Customer Risk Profile (CRP) in light of updated AML/CFT/CPF Regulations and AML Act 2010.
o    Lead team to conduct due diligence investigation of suspicious transactions, closing false alerts and escalation for further investigation & EDD.
o    Lead team of AML analysts by providing continues guidance and support on all AML/CFT related alerts which were initially reviewed. 
o    Manage suspicious activity reporting process internally & externally.
o    Reporting of suspicious transactions to FMU and related correspondence in defined timelines.
o    Advise and guide branches in compliance, customer due diligence & KYC related matters including clarification on internal policies.
o    Implementation of AML/CFT/CPF measures regarding transaction monitoring, CDD/EDD in line with bank’s internal procedures to avoid prospective financial Loss and regulatory penalty.
o    Suggest new ideas to line management and take initiatives for effective transaction monitoring and suspicious transaction reporting.
o    Identifying gaps between the regulatory requirements of transaction monitoring / CDD & EDD and existing bank’s systems/ procedures.
o    Review and update SOP’s in line with current SBP regulations/ guidelines (AML/CFT/CPF).

Worked as Manager Trade at Abdali Road Multan Branch from 14-Jun-2021 to 17-Nov-2021 and handled Commercial & SME portfolio of Rs. 2.500Bn (approx.) entailed annual turnover.

 
o    Lead team for conducting audit of Branches and management functions as per approved audit charter by audit committee under annual plan with proficiency, due professional care, integrity and objectivity
o    Lead team for conducting audit of Branch Operations, Credit Operations & Trade Operations.
o    As a background of working in Trade Department I was assigned different assignments specifically linked with trade operations/ documentation like thematic exercises by SBP, Centralized Trade department, TBML & Centralized Guarantee Department.
o    Lead team in management audit assignments like Credit Administration Department, Centralize Processing Units (Clearing), Centralized Account Opening & Cash Cell.
o    Regular meetings with regional/ senior management on completion of Branch & other departments audits to help management in mitigating risk by proper identification of lapses in process & polices for better internal control system of the bank.
o    Conduct special assignments relating to fraud investigation like parallel banking, pledged stock lifting, shortfall/fake mortgage documents, pocketing of cash and customer complaints on any matter that expose bank to financial/reputational risk.  
o    Finalization of audit report after completion of assignments and discussion with management for closure of audit observations in timely manners.
o    Finalization of Branch Operations and management functions rating in consultation with Audit Rating Unit.
o    Review of SOP’s of bank related to operations/ credits/ trade in case of upgradation/ change in any process.
o    Well-versed with ACL and T-24 (Core Banking Software)

o    Trade Finance Operations.
o    Reporting of mandatory data to Head Offices & Central Bank (State Bank of Pakistan).
o    Submission of Regulatory Returns.
o    Monitoring of existing trade portfolio.
o    Performed duties as Manager Operations.

 
o    Started as “Management Trainee Officer” and completed six months extensive and comprehensive training which includes two-month certificate course of “Commercial Banking” from State Bank of Pakistan. Worked in all areas of Branch Banking in general and performed services in Trade Finance Department as core job function.
o    Processing Trade Finance Products (Corporate) e.g. LC issuance, Import Bills under Letter of Credit/Collection, Shipping Guarantee, Trust Receipt, Export LC advising, Export Bills Negotiation/Collection, Export Bills discount, Back to back L/C.
o    Review of any enquiries encountered concerning transactions with counter parties for non-receipt of funds, duplicate payments, non-payment and resolution of such discrepanciespromptly.
o    Manage information /Head Office Reports, prepare and check to ensure accuracy of the stated reports and adhere regulatory directives of timelines.