As the Internal Audit Manager/Head of Internal Audit, I serve as a critical linchpin in YAP’s governance framework.
Reporting directly to senior management, I spearhead efforts to evaluate and enhance our internal control
systems and risk management practices. My work will ensure compliance with regulatory requirements and
contribute to the operational integrity essential for the successful rollout of our digital banking services.
My responsibilities are as follows.
● Develop and implement a risk-based internal audit plan aligned with YAP’s strategic objectives and
regulatory requirements.
● Priori ze high-risk areas for evaluation to ensure efficient resource allocation.
● Conduct comprehensive audits across operational, financial, and compliance functions.
● Assess the adequacy and effectiveness of internal controls, identifying vulnerabilities and areas for
improvement.
● Evaluate the organization's preparedness for pilot operations under SBP guidelines.
● Perform risk assessments to identify key threats to YAP’s operations and propose actionable mitigations.
● Ensure adherence to SBP regulations, particularly concerning EMI operational requirements.
● Deliver clear, concise, and actionable audit reports to senior management.
● Present recommendations to strengthen processes, improve efficiency, and address gaps.
● Monitor the implementation of corrective actions and report progress to management.
● Act as a trusted advisor to management by providing insights on governance and risk management.
● Collaborate with cross-functional teams to ensure alignment with YAP’s compliance and operational goals.

As the Internal Audit Manager/Head of Internal Audit, I serve as a cri cal linchpin in YAP’s governance framework.
Repor ng directly to senior management, I spearhead efforts to evaluate and enhance our internal control
systems and risk management prac ces. My work will ensure compliance with regulatory requirements and
contribute to the opera onal integrity essen al for the successful rollout of our digital banking services.
My responsibili es are as follows.
● Develop and implement a risk-based internal audit plan aligned with YAP’s strategic objec ves and
regulatory requirements.
● Priori ze high-risk areas for evalua on to ensure efficient resource alloca on.
● Conduct comprehensive audits across opera onal, financial, and compliance func ons.
● Assess the adequacy and effec veness of internal controls, iden fying vulnerabili es and areas for
improvement.
● Evaluate the organiza on's preparedness for pilot opera ons under SBP guidelines.
● Perform risk assessments to iden fy key threats to YAP’s opera ons and propose ac onable mi ga ons.
● Ensure adherence to SBP regula ons, par cularly concerning EMI opera onal requirements.
● Deliver clear, concise, and ac onable audit reports to senior management.
● Present recommenda ons to strengthen processes, improve efficiency, and address gaps.
● Monitor the implementa on of correc ve ac ons and report progress to management.
● Act as a trusted advisor to management by providing insights on governance and risk management.
● Collaborate with cross-func onal teams to ensure alignment with YAP’s compliance and opera onal goals.

As Manager Internal Audit (Head Office Functions) within our Fintech
organisation, I play a critical role in ensuring the integrity, effectiveness, and compliance of our internal processes and systems. Reporting
directly to the Head of Internal Audit, I conduct audits, assessments,
and reviews focused on various head office functions to identify risks, improve operational efficiency, and uphold regulatory standards.

• Analyze internal business systems to ensure compliance with
industry regulations and ethical standards.
• Create, modify, update and implement the company’s policies.
• Design control systems to address cases of violation of internal
business policies.
• Design ongoing training programs for employees of the business.
• Liaise with other departmental heads to ensure that all business
operations are in line with business policies.
• Review the functions of different departments i.e. Central
Processing Division, HR, Finance, Trade, Service Quality and
operations division etc.
• Review of the regulatory requirements i.e. ECIB Validations,
Review of Federal Government Accounts etc.

Branch audits:
▪ Prepare audit sample for each branch
• To ensure all applicable AML/CFT/CDD requirements have
been completed by the branch.
• Conduct branch exit meetings under supervision of my team
leader.
• Review critical areas such as adherence to the statutory
exclusion list, assessment and due diligence.
for environmental, social or other ethical risks presented by
client’s businesses.
Fraud Investigations:
• Scoping and data gathering planning prior to launching an
investigation.
• Conduct inquiries, collecting and analyzing evidence while
ensuring its integrity.
• Conducting field visit surveys of customers and recording their
statements, while ensuring that reputational risk is kept at a
minimum.
• Performing due diligence assignments
• Assessing whether to enhance the scope of investigation, if
reason to do so exists

• To review account opening documents as per the defined TAT and
complete the tasks within specified time.
• Thorough scrutiny of AOF (Account Opening Form) and other
supporting documents and all relevant sections given on AOF to
be reviewed properly.
• To ensure all applicable AML/CFT/CDD requirements have been
completed by the branch.
• To coordinate with branches in case of any discrepancy for
rectification.
• To maintain MIS with discrepancies.
• Coordinate with branches through phone calls and emails to
resolve their queries.
• To review FA/FI & Govt. account documents, in case of
discrepancies, coordinate with branches for rectification.
• Managing account opening team in an efficient manner and
assigning work targets.
• Discuss procedure and issues with higher management for
enhancement & improvement of Centralized Account Opening,
identity gaps and suggest improvements.
• Ensure that the procedures at Centralized Account Opening is
appropriately carried out as per the Bank’s policy & regulatory
requirements, while making sure the completion of all tasks
within turnaround time.

• Introduce new customers to the bank by marketing and opening
their new accounts.
• Retention and selling of banking facilities to the existing clients of
Bank.
• Suggest the clients about the services the Bank is providing and
advise them the best suitable products for them.
• Help the clients in fulfilling their financial needs while analyzing
their Income, expenses and liabilities.
• Providing the best customer services experience to every walk-in
client.
• Handling Cash of Branch I.e. Receipts and Payments.
• Dealing with cheque clearing of customers along with foreign
Remittances of clients.
• Account Opening of customers at the time of customer’s
onboarding.
• Performing KYC (Know your Customer/Counterparty) and CDD
(Customer due diligence) at the time of account opening /
on boarding.