Oversee and manage the general accounting functions, including, but not limited to: accounts payable, accounts receivable, general ledger, and taxes

Prepare, review, and analyze financial statements to ensure accuracy and completeness


Analyzing financial data and creating reports for management


Maintaining accurate and complete financial records and participating in audits or reconciliations, as needed


Hiring, training, and motivating accounting staff members while supervising and delegating department tasks


Managing the daily activities of the accounting department and ensuring that all major projects, month-end, and year-end reports are completed accurately and on time.


Responsible for tax planning throughout the fiscal year; files annual corporate tax return as well as quarterly tax return.


Presents recommendations to management on short- and long-term financial objectives and policies

Developed Policies for Operational Risk, BCM (business continuity), AML/Compliance, Credit Monitoring, Fraud prevention, Whistle blower, Information Security, New Product Process approval, Outsourcing and Key Risk Indicators, etc.
Ensured implementation and monitoring of policies related to operations, also developed Risk Strategy in line with the business plans and risk appetite of the bank, as well as reviewed and approved credit and risk policies.
Reviewed and sign-off all products and related processes for the bank prior to launch ensuring proper controls deployment risk monitoring and reporting, maintaining operational loss database for timely reporting and Basel calculation
Developed KRIs across the bank and ensure reporting to Operational Risk and Compliance Committee
Rendered a keen eye for details to design and implemented risk functions by searching all verticals, also implemented processes, tools and systems to identify, assess, measure, manage, monitor and report risks.
Facilitated the development of processes to highlight business areas\' complaints, and risk and control self-assessments, monitored major and critical risk issues to ensure seamless execution of business processes.
Steered efforts towards managing process for developing risk policies and procedures, risk limits and approval authorities, as well as defining and producing client policies, procedures, processes & other documentation as required.
Defined Risk roles and responsibilities across the bank. Develop and deliver Op risk trainings across the bank for enhanced awareness. Developed a culture where everyone is a Risk Manager also established risk committees and forums.
Ensured policy implementation across all channels of the bank, also performed enhanced Due Diligence when required.
Established Information Security, Compliance & AML, Operational Risk, IT QA and Fraud prevention departments from scratch. Main driver for the cultural change. Raised awareness among staff to act as risk managers.
Identified training gaps and conducted bank wide Risk trainings; worked closely with internal audit to ensure risks are mitigated proactively. Developed and Implement controls also embedded Risk mitigation within business processes.

Implementation of Complaint Handling policy and procedure approve by the Board of Directors.


Ensure that adequate training sessions of Complaint handling staff are conducted all the staff members of Complaint Management Unit are familiar with the complaints management policy.


Implementation of proper Customer Grievance Handling mechanism and ensure that proper Customer Grievance Handling mechanism is in place.


Handling the complaints routed through regulator / Banking Mohtasib Pakistan.


Implementation of Fair Treatment of Customer (FTC) policy and ensure that customers are fairly treated.


Ensure timely reporting to regulator on Customer Grievance Handling Mechanism on quarterly basis and Conduct Assessment Framework (CAF) on annual basis.


Ensure quarterly reporting to CEO on Customer’s Grievance Handling Mechanism.


Preparation of presentation and reporting material for Risk Management and Compliance Committee of Board.

Clients Managed: Audit & Assurance and Review Engagement | Hussain Sugar Mills Ltd. | Alliance Sugar Mills Pvt. Ltd. | State Life Insurance Corporation of Pakistan | Adamjee Insurance Company Ltd. | Nishat (Chunian) Ltd. | Kohinoor Mills Ltd. | Ravi Textile Mills Ltd. | Crescent Education Trust | Power Information Technology Company | Descon Chemicals Pvt. Ltd. | D.G. Khan Cement Company Ltd. | All Pakistan Cement Manufacturer Association
Special Assignments:

Participated in Quality Control Review (QCR) from ICAP
Internal Audit / Special audit Engagements:
Grays of Cambridge Pakistan Ltd.
Bunny’s Ltd

Agreed Upon Procedure Assignment:

US Apparel (Pvt.) Ltd.
US Denim (Pvt.) Ltd.
Punjab Provincial Co-operative Bank Ltd.