Successfully deployed TMS, Screening Solution, eKYC/eCRP Systems in the Bank.
Reinforced AML function by restructuring the department and strengthened system/procedure of the Section to mitigate ML/TF Risks.
Updation of AML Policy/SOPs in light of internal risk assessment, regulatory and legal framework updates. Assisting Head of Compliance in execution of his secretarial role in CCM including preparation of agenda items, recording and drafting Minutes of the Meeting, preparation of MIS on AML/CFT matters and follow-up for closure of action items identified during the meeting co-ordination with relevant stakeholders. Independently conducted ML/TF Risk Assessment of the Bank and updations in line with SBP directives Design and impart Bank-wide cross-functional AML/CFT trainings.
Designated Money-Laundering Reporting Officer (MLRO).
Liaise with regulator / LEAs / external Authorities/Correspondents Banks on AML / CFT related matters/queries.
Also Lead Regulatory Compliance Section, ensuring effective and efficient performance of the team.
Lead Coordinator with Central Bank during Annual Inspection and matters thereafter related. Attend all instructions/guidelines issued by the Central Bank from time to time, and provide desired information in co-coordination with concerned department.
Ensure timely submission of various regulatory returns to Central Bank.
Review and updation of Banks Policies and Manuals within periodicity decided by the BoD/regulatory changes.
To ensure that banks have policies in all major areas and are synchronized and have uniformity according to varied nature of operations.
Providing advisories to business units on their queries. Other assignments included assisting Section Head - Compliance Risk Management Framework (CRM) for implementation in the bank.
Assisted in preparation of Compliance policy/program/TORs.
Collaborating during meetings with Risk/Audit function for integrating cross-departmental functional as required in CRM.

Regulatory Compliance Unit

SBP Co-Ordination
•Co-ordination with CENTRAL BANK’s team conducting annual inspection of the bank and ensure that all the information/data required from different departments of the bank are timely and accurately submitted.
•Ensuring implementation of final inspection report issued by CENTRAL BANK in close liaison with all segments of the Bank for resolving the issues/concerns highlighted by the Regulator.
•Ensure that all segments are updated with the issues highlighted in CENTRAL BANK’s inspection reports to avoid recurrence of the same.
•Liaison with CENTRAL BANK for regulatory correspondence on circulars/letters issued by SBP from time to time.
•Cater all the special instructions/guidelines issued by SBP from time to time and provide the desired information/data by co-coordinating with the concerned department.

Staff Training and Awareness
•Educating staff with respect to Compliance with the applicable laws, rules and standards and act as an advisor on Compliance queries from staff members.

Other Assignments
•Ensure review and monitoring of Daily Exception Reports of branches on sample basis which include Dormant Accounts, Change of Address, Transactional activity in dormant account etc.
•Ensure timely submission of monthly/quarterly/semi-annually/annually reporting of Clean Note, Fraud & Forgery, Utility Bills, IRAF, Contact details, Treasury front office relatives information and Authorized Signatories to SBP.
•Handle all the special projects assigned by the Head of Compliance on day-to-day basis.

Worked with Bank Islami Pakistan (Formerly KASB Bank Limited)
Responsibilities assigned during Job Period

Effective coordination and provision of timely and accurate information and data to CENTRAL BANK Inspection Team in collaboration with different divisions to facilitate smooth flow of information / process
Ensure implementation of SBP directives issued from time to time.
Follow up branches and divisions to secure proper reply with respect to CENTRAL BANK Inspection report observations
Assist in preparation and submission of semi-annual IRAF Questionnaires to State Bank of Pakistan
Prepare and report to SBP quarterly statements on Frauds Forgeries
Follow up with branches and divisions to secure proper reply to OSED, relating to SBP inspection report.
Handling letters received from BSD, BPRD, EPD and BSC etc. related to credit, NPLS, and other regulatory matters.
Assist in update of Bank's Policies and Manuals, to ensure that these are in line with regulatory directives.
Preparation and Review of Bank wide Regulatory Returns of following segments and timely submission to CENTRAL BANK
Reporting of STR to Financial Monitoring Unit.
Reporting of CTR electronically through EDCS system of CENTRAL BANK.
Attended various queries emanating from Financial Monitoring Unit FMU.
Fill AML questionnaires received from foreign Banks for Correspondent Banking Relationship and follow-up with other segments for requisite information
Monitoring of customer transaction and ensure closure on daily basis of alerts generated by SAS AML system.
Review of inward outward remittances through SWIFT sanction screening system.
Preparation of training material and test questionnaire and incorporation in CBT module for training to Bank staff regarding AML/KYC/CDD
Assist in preparing Department Quarterly Performance Review for onward presentation to BoD of the Bank
Preparation of Annual Budget of the Department including CAPEX requirement
Ensure that reply prepared by Service Quality division appropriately addresses the query raised by SBP / Banking Mohtasib in all respect
Review of Centralized Account Opening Forms for meticulous adherence to CENTRAL BANK Prudential Regulations, General Banking Manual procedures and KYC/AML guidelines
Forwarding exceptions (documentary /regulatory) found in NTB accounts to Centralized Operations Department and follow-up for resolution
Follow-up with branches / segments to ensure timely rectification of Internal Auditors observations
Achieve rectification targets, removal of gaps/ lapses along with proper follow up
Identify and report internal control gaps and suggest way to address short comings
Handle regulatory law enforcement agencies queries and ensuring submission of accurate and timely information
Collect and analyze contents of branch replies to ensure proper and timely reporting

Started off my career as a Management Trainee (operations) in SAMBA Bank Limited (formerly Crescent Commercial Bank,

Responsibilities assigned during Job Period

Centralized Operations (Supervisor Account Maintenance Department) - Assistant Manager
Played key role in the formation of centralized Account Opening Unit
Preparing SOP's, process flows related to account opening and maintenance at CPU.
Supervision of NTB accounts received from branches all across Pakistan.

Integration, Services Operations - Assistant Manager
Performed as a critical member of the team involved in successful end to end project of CCBL to SAMBA Migration

Pre-Migration responsibilities in Riyadh
Defining different parameters according to Local environment relating to different operational functions
Testing system functionality and patternising the system according to Local Prudential Requirements.

Pre-Migration responsibilities in Pakistan
Conducted Train the Trainers sessions for participants from all over Pakistan for the New Core Banking Software (STAR)
Liaise with SAMBA KSA to perform end to end UAT of system modules and resolving the GAPS identified during UAT

Post-Migration activities
Reconciliation of various GLs accounts
Supporting branches for different system related issues encountered by the branches

Branch Banking Operations - Assistant Manager
Branch Operations Supervisor

Overall supervision and management of Branch Operations (both Front End and Back End) and Administration.

Branch Operations Officer
Handled Cash, Clearing and Inward/outward Remittance transactions, Account Opening and maintenance, TDR issuance, maintenance and encashment, SUSDB (Special U.S. Dollar bonds) profit and encashment claim and Locker operations maintenance