In my role as a Senior Auditor at the Pakistan Military Accounts Department, I play a pivotal role in ensuring the accuracy and integrity of financial and pension-related processes. My core responsibilities includeAudit of GPO Files Conducting detailed audits of files received from the General Post Office (GPO), ensuring compliance with regulatory standards and accuracy in documentation.Pension Calculation Performing precise calculations of pensions for retired officers, ensuring all entitlements are correctly computed based on service records and applicable policies.Arrears Calculation Calculating arrears in conjunction with pensions, accurately processing any back payments in accordance with legal and procedural guidelines.Induction of Retired Officers Managing the induction process for newly retired Pakistan Army officers into the pension cycle, ensuring a seamless and accurate integration into the pension system.Discrepancy Resolution Identifying and resolving discrepancies found during audits, implementing corrective measures to address and rectify any issues to ensure accurate financial records and pension calculations.My role demands a high level of precision, a deep understanding of financial regulations, and effective problem-solving skills to maintain the integrity and efficiency of pension management within the department.

As a dedicated Vigilance and Fraud Prevention Specialist, I have effectively managed and safeguarded consumer finance operations across a range of products, including Auto Finance, Noor Card, and Islamic Personal Finance. My key responsibilities and achievements includeThorough Monitoring Conducted detailed vigilance for both secured and unsecured consumer finance cases, ensuring compliance with prescribed monitoring percentages and internal policies.Discrepancy Reporting Identified, analyzed, and reported discrepancies and irregularities to relevant departments, facilitating prompt resolution and maintaining operational integrity.Card and Address Management Oversaw vigilance processes related to address changes, card replacements, and card activations, adhering to management directives and ensuring accuracy.Interdepartmental Coordination Collaborated with various units to mitigate risks and validate vigilance measures, ensuring comprehensive oversight before escalating issues.Physical Verification Executed physical visits to applicants' residences or offices to verify authenticity and address concerns, enhancing the accuracy of the application process.Fraud Detection and Response Proactively blocked credit facilities associated with fraudulent activities and referred cases for further investigation, contributing to the reduction of financial fraud.MIS Management Maintained and updated the Management Information System (MIS) with precision, ensuring accurate and up-to-date record-keeping for efficient tracking and reporting.Report Writing Proficient in drafting detailed and comprehensive reports on vigilance findings and fraud investigations, ensuring clarity, accuracy, and actionable insights for informed decision-making. My commitment to vigilance and fraud prevention has consistently contributed to the protection of financial assets and the integrity of consumer finance operations.

As an experienced professional in the consumer finance sector, I have a proven track record in vigilance and fraud investigation, specializing in Personal Finance, Auto Finance, Consumer Durable Finance, and Mortgage/Home Finance. In this role, I was responsible for overseeing the integrity of financial products, ensuring compliance, and mitigating risk across a range of financial services.Key responsibilities includedFraud Investigation Led comprehensive investigations into fraud cases originating from various channels, including CIU, EAMVU, phone banking, customer reports, and branch inputs. This involved identifying patterns, implementing preventive measures, and safeguarding financial assets.Interdepartmental Coordination Collaborated with various units to mitigate risks and validate vigilance measures, ensuring comprehensive oversight before escalating issues.Physical Verification Executed physical visits to applicants' residences or offices to verify authenticity and address concerns, enhancing the accuracy of the application process.Report Writing Proficient in drafting detailed and comprehensive reports on vigilance findings and fraud investigations, ensuring clarity, accuracy, and actionable insights for informed decision-making.ATM Skimming & Fraud Actively contributed to investigations into ATM skimming and other fraud cases, utilizing analytical tools to detect and address fraudulent activities promptly.Staff Clearance Provided critical clearance for the hiring of contractual staff, ensuring adherence to regulatory standards and maintaining high-quality operational support.MIS Management Developed and maintained an organized Management Information System (MIS) to track and record investigative activities and case resolutions, enhancing the efficiency and accuracy of future operations.My role required a keen eye for detail, a strong understanding of financial regulations, and a proactive approach to fraud prevention.