Review of Policies and Procedures of all departments with respect to regulatory compliance requirements.Conduct Monthly Management Compliance Committee as per its approved Terms of Reference.Review of Compliance Reports and reporting on the same to management.To ensure timely submission of all compliance related reporting to SBP, SECP, FBR, etc.To conduct frequent training on compliance related policies and procedures including but not limited to AML/CFT/CPF.To implement and maintain Compliance Risk ManagementTo provide effective compliance advisory services, in terms of interpretation of regulatory requirements, to all staff of Advans Pakistan Microfinance Bank in a timely manner.To be the point of contact with SBP on both regular / ongoing matters as well as during SBP Inspections.To assist the Head of Risk & Compliance in all compliance related matters.To effectively utilize the assigned officer(s) so as to ensure that all regulatory matters are completed effectively in a timely manner.To prepare and manage all internal reporting of the Compliance Department.To be the Anti-Money Laundering Officer of the Bank and ensure timely reporting of Currency Transaction Reports and Suspicious Transaction Reports as per SBP Guidelines applicable on Microfinance Banks.To carry out any other task assigned by the management.

Focusing on surfacing and interpreting relevant information and intelligence, through review of our transaction data to identify potentially suspicious orders ➢ Developing and implementing an appropriate compliance and risk management, regulatory controls framework, and KYC standards (dealers, consumers, and business partners) ➢ Pre and Post Transactions reviewed by using accounting software such as Xero, POWER BI, Admin Portal, MSD, etc. ➢ Identification of compliance risks including competition laws, anti-bribery laws, anti-money laundering requirements, and anti-fraud and corruption ➢ Implementing and communicate appropriate policies, systems, and controls to ensure that (i) VavaCars follows all applicable laws and regulations and (ii) VavaCars mitigates fraud, bribery, embezzlement risk ➢ Monitor and develop VavaCars adherence to controls procedures and policies in relation to Retail, Operations, Commercial, Marketing, Finance and HR as set out in relevant VavaCars SOPs, manuals, and guidelines ➢ Ensure continuous review and update of policies, systems, and controls ➢ Monitoring staff’s compliance with all the policies, systems and controls through ad hoc reviews or following external requests ➢ Advising VavaCars management, business, and support functions on risk, including fraud, and compliance matters for improving operations and preventing fraud ➢ Managing the day-to-day Compliance Function and delivering training on a regular basis, and as needed ➢ Where weaknesses in controls or application of controls are identified, to recommend action to remedy the situation to the Executive Team and ensure appropriate reporting to risk owners to ensure support for remediation and to support enterprise risk management ➢ To lead on the implementation of compliance at both head office and field based on the agreed risk assessment plan, with particular emphasis on transaction flows (purchasing and selling of cars), money flows (vendors, partners, affiliates) ➢ To produce weekly activity reports to the Executive Team. Ensure timely escalation of significant findings or knowledge/suspicions of fraud, waste, and corruption to the Executive Team ➢ Document any obvious successes, useful practices, and challenge/learning areas for the purposes of institutional learning. ➢ Conduct any ad-hoc compliance investigation assignments as requested by the Executive Team or Compliance Committee. Support VavaCars staff to enhance their knowledge, understanding and consistent application of policies ➢ Liaising with Shareholder Compliance (Vitol) functions to ensure consistency of approach towards Compliance matters. 

Identifying relevant applicable regulatory obligations, tagging relevant obligations to relevant Risk Owners/Entities, Mapping with documented controls as stated within Policies and Procedures (for design level of assessment of controls), Assigning Risk Ratings based on documented controls.
Engage with relevant Risk Entities/Owners to discuss the assessment to explain discuss the result of compliance risk assessment, discuss the result of compliance risk assessment,
Perform walkthroughs of controls, develop agreement on the assessment (including taking sign-offs) and agreeing remediation on Control Gaps for capturing,
Monitoring and tracking of regulatory instructions applicable to Banking industry for implementation of Compliance Risk Management (CRM) Project as per SBP Guidelines 2017 both for local and international locations.
To develop and maintain policy house and Send follow-up to user department to update their governing document on regular basis.
Carry out any other tasks assigned by the Chief Compliance Officer or Head, Compliance Risk Management Unit.
 Incumbent shall be responsible to adhere by Telenor Microfinance Bank Behaviors in all aspects of his/her work conduct.

Ø  Assist Head of Compliance in developing and implementing Compliance Policies and SOPs.
Ø  Review and recommend improvement in Policies and Procedures of all Departments & ensure that they are in line with current AML/CFT requirements.
Ø  Conduct trainings on compliance related policies and procedures taking into account the AML/CFT aspects in operational matters.
Ø  Ensure implementation of recommendations obtain after attending meeting, seminars etc. related to AML/CFT as organized by SBP, FMU and others.
Ø  Ensure that customers availing assets & liabilities products are complied with all AML/KYC requirements before establishing business relationship with the Bank.
Ø  To be involved in the Risk & Control Self-Assessment Exercise specially with respect to Compliance Risks in the RCSAs of all functions.
Ø  To be involved in Currency Transaction Reports and Suspicious Transaction Reports as per SBP Guidelines applicable on Microfinance Banks.
Ø  Monitoring the branches for ensuring that AML/CFT measures are performed at both the transaction levels and the client levels on continuous basis.
Ø  Maintaining and review of risk profile of customers with respect to AML/CFT on continuous basis.
Ø  To coordinate with SBP/FMU and Regulatory Authorities effectively on all CFT compliance matters relating to annual/thematic inspection and queries received on day to day basis to ensure that bank remain compiled with all the regulatory requirements.
Ø  Coordinate with internal Auditor, external Auditor and SBP in carrying out compliance responsibilities and plan follow-up actions for resolution of non-compliances observed during inspection/audit.
Ø  Coordinate and follow-up with branches/Service center /Departments on redressed of discrepancies highlighted in Internal Audit reports, External Audit, SBP inspection reports and discrepancies found during on-site / off-site compliance review.
Ø  Follow-up on Management letter
Ø  Responsible for answering the queries of SBP/FIA/NAB/FBR/LEAs.
Ø  Ensure screening of customers against prescribed list as and when received from SBP.
Ø  Ensure list updating of prescribed persons and entities as and when issued by SBP/Other LEAs.
Ø  Assist Head of Compliance in day to day routine functions or any assignment/task assigned.

Assisting in execution of system based review of regulatory and legal compliance in branches through compliance staff appointed down the line with emphasis on Anti-Money Laundering /Counter Financing Terrorism efforts.
Carry out financial and operational audits as per defined audit plan by way of an independent appraisal of the effectiveness of Controls, policies, procedures and standards by which the company\'s financial, operational, physical and information resources are managed.
Prepare, summarize and finalize audit reports and findings.
Carry out financial statement audit and regulatory and donor compliances
Stay updated with the changes occurred in the regulatory framework and assessing the impact of changes on the Company. Updating Regulatory Obligation Register of all legal and regulatory requirements applicable of MFBs.
Independent review and evaluation of application and Daily visit to the field to ascertain any irregularity.
Department checks with regards to compliance and Ensure compliance issues at field level as well as Check regulatory compliance.
Daily, weekly and monthly reporting to compliance manager.
To investigate and report any fraudulent activities at Areas Branch levels.
To motivate the employees for maintaining all kind of personal safety.
Train up all employees on all safety awareness issue; maintain all kinds of training records.
To investigate and report recovery issues also including Par Loans.
Verify Pre disbursement and Post Disbursement Loans.

 Market & sell KMBL MSME loan product – maximum loan amount up to Rs. 500,000.
 Identify new MSME/ small business enterprises,House Loan, Salary and Pension loan and Gold Loan in the assigned area, and achieve monthly targets.
 Develop and analyze financial statements of the MSMEs in order to access the financial soundness of the business and his repayment capacity.
 Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSMEs) to open new MSME loan accounts.

Working with various departments like Feeding, Milking, Maternity and Management.

1. Plant Quarantine and Pest Mitigation Measures
2. Pesticide Registration and Formulation
3. Locust Survey and Control