概要

To manage compliance and regulatory risk, ensure appropriate policies, procedures, systems, controls, processes and training are in place and provide guidance to staff on compliance and Client Due Diligence matters.
Oversaw all aspects of finance and administration for the organization, reporting to the executive director. Developing budgets, forecasting cash flows, funds request/reports, reporting on financial performance, understanding complex legal documents and regulations
To effectively manage the branch to deliver sales and budget targets, offer high level of customer service, and create challenging and healthy environment.
Experienced Manager with a demonstrated history of working in the banking industry having Analytical Skills, Branch Retail Banking, Credit Analysis, Branch Management, and Consumer Financing

项目

“Dum Hai Saving Xtra”

工作经历

公司标识
Finance Manager
Ideal spinning mills ltd
Sep 2022 - 代表 | Faisalabad, Pakistan


Manage financial records, including accounting documents, tax records, payroll records, and other records related to the flow of money in the organization.
Maintain banking relationships, negotiate loans and merchant services for business units.
Prepare budgets and forecast future financial needs to ensure efficient utilization of financial resources and enable effective decision-making for the organization.
Monitor cash flow and analyze receivables, payables, and inventory levels to ensure they are within acceptable limits.
Manage day-to-day operations, including emergency, rehabilitation, and development project operations, while overseeing and supporting the operational structure, including training personnel to maintain necessary capacity.
Participate in project design and proposal formulation, ensuring quality assurance under different funding arrangements.
Coordinate project budget preparation and financial control, human resource management, travel, logistics, missions, and operation backstopping to field offices.
 Identify corrective measures to overcome operational constraints.

公司标识
Import Manager
madina group of industries
Nov 2020 - Sep 2022 | Faisalabad, Pakistan


Oversee efficient working of employees of import department and manage all communication with customers and vendors.
Plan and implement all import and export transportation strategies according to all supplier and customer demand and administer internal movement of all goods and ensure compliance to all government regulations.
Design, evaluate and renew all contracts as per requirement and monitor and prepare reports for all import activities and recommend changes if required.
Administer and implement all custom and border protection for various security programs and maintain compliance to all customer procedures.
Design all SOPs for import department and ensure compliance to all ISO guidelines and prepare reports to be submitted to government agencies.
Provide all insurance on shipments and design and execute all corrective action plans for processes.
Collaborate with forwarding/clearing

公司标识
Remittance Supervisor/ Compliance Officer
Jan 2020 - Aug 2020 | Dubai, United Arab Emirates

Foreign Currency remittance, FC Selling & Buying FC currency balancing, and coins randomly and fortnightly and calculate daily transactions .Adhere the compliance of regulatory bank regarding AML/KYC/CFT and keep in touch with compliance department about any updates

公司标识
Compliance Officer/CSE
Joyalukkas exchange
Jan 2020 - Aug 2020 | Dubai, United Arab Emirates


Foreign Currency remittance, FC Selling & Buying FC currency balancing, and coins randomly and fortnightly and calculate daily transactions
Adhere the compliance of regulatory bank regarding AML/KYC/CFT and keep in touch with compliance department about any updates
Ability to demonstrate proactive approach to complain resolution, strong troubleshooting, and problem-solving skills
Develop the relation with companies to process the staff salaries through Wages Protection System
(WPS) implemented by UAE government and issuance of Debit Cards
Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.

公司标识
Customer Service Representative
Transguard Group LLC
Nov 2018 - Jan 2020 | Dubai, United Arab Emirates

Resolve product or service problems by clarifying the customer's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution.Prepare product or service reports by collecting and analyzing customer information

公司标识
Customer Service Executive
ENBD Bank/Transguard Group
Nov 2018 - Jan 2020 | Dubai, United Arab Emirates


Resolve product or service problems by clarifying the customer's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution
Prepare product or service reports by collecting and analyzing customer information
Prevents losses and damage by reporting irregularities; informing violators of policy and procedures; restraining trespassers.
Complete reports by recording observations, information, occurrences, and surveillance activities;interviewing witnesses; obtaining signatures.

公司标识
Finance Manager
Karwan e Adeel Travel Services
Apr 2017 - Dec 2017 | Lahore, Pakistan


Cooperate with clients to determine their needs and advise them appropriate
destination, modes of transportations, travel dates, costs and accommodations
Book transportation, make hotel reservations and collect payment/fees
Use promotional techniques and prepare promotional materials to sell itinerary tour packages
Deal with occurring travel problems, complaints or refunds/Attend travel seminars to remain
updated with tourism trends/Network with tour operators
Maintain statistical and financial records and meet profit and sales targets

公司标识
Branch Manager
MCB Bank Limited
Apr 2005 - Jun 2015 | Faisalabad, Pakistan

Managing the branch to maximize new business opportunities and deepen existing relationships, while providing quality service coupled with efficient operational controls.• Minimizing all risks by ensuring strict adherence to KYC/AML, SBP & Internal Policies, Processes and Credit Manual/ Circulars

公司标识
Branch Manager
MCB Bank Ltd
Apr 2005 - Jun 2015 | Faisalabad, Pakistan

• Managing the branch to maximize new business opportunities and deepen existing relationships, while providing quality service coupled with efficient operational controls
• Minimizing all risks by ensuring strict adherence to KYC/AML, SBP & Internal Policies, Processes and Credit Manual/ Circulars
• Customer retention efforts with personal involvement in complaint resolution
• Periodical review of Operational activities & audit reports contributing to sound operational Health of the branch as per the Bank & SBP guidelines
• Financial spread and analysis – Ability to arrive at performance and financial standing of borrower effectively.
• Capture the SWOT, suggest / highlight Mitigants and bring out conclusion/recommendation with clarity.
• Marketing/Monitoring of funded/non-funded risk asset portfolio.
• Negotiation with the customer for structuring credit lines and securities/collaterals there-against.
• Handling correspondence and queries on credit applications from regional and central credit hubs.
• Regular visits to client’s office/site for ensuring and use of facility according to purposes stipulated in the sanction.
• Coordination with Internal, External and SBP Audit Teams.
• Preparation of Credit Proposal for onward submission to Higher Authorities
• Completion of security documents prior to credit disbursement.
• Handling of Foreign Exchange Transactions

公司标识
Senior Lab Instructor & Administrator
Hi Tech College of Computer Sciences
Apr 2001 - Sep 2003 | Faisalabad, Pakistan

Design, facilitate, and teach the computer instruction component.
 Prepare execute lesson plans, assigning tasks, and evaluating student work and progress.
 Develop course syllabus, assess, supervise, and motivate high school students.
 Deliver basic computer knowledge of software, MSOffice, and assist program students with program presentation.
 Promote safe, effective, and ethical learning environment.
 Use professional discretion and judgment in managing students in classroom
setting.

公司标识
Asst Lab Instructor
Punjab Computer Sciences Institute
Apr 2000 - Sep 2001 | Faisalabad, Pakistan

Design, facilitate, and teach the computer instruction component.
 Prepare execute lesson plans, assigning tasks, and evaluating student work and
progress.
 Develop course syllabus, assess, supervise, and motivate high school students.
 Deliver basic computer knowledge of software, MSOffice, and assist program
students with program presentation.

学历

PAKISTAN INSTITUTE OF FINANCE AND ACCOUNTS
学士, , PIPFA‎
所占比重 74%
2003
University of the Punjab
硕士, , B.Com‎
Management Accounting
所占比重 52%
2003
Punjab Computer Sciences Institute
大专, Diploma In Computer Applications‎
Computer Science
Completed
2000
Govt Municipal Degree College
中级/A级, , I.Com‎
所占比重 65%
2000
Govt crescent model high school
非预科, Matric in Science‎
Completed
1998
Pakistan Institute of Public Finance Accountants
证书, PIPFA Inter‎
Accounting & Finance
Completed

技能

熟练 Accounts Payable
熟练 Analytical Skills
熟练 Audit Assignment Handling
熟练 Bank Reconciliation
熟练 Branch Manager
熟练 Budgeting
中级 Budgeting and Forecasting
熟练 Business Analysis
熟练 Cash Flow Management
熟练 Chart of Accounts
熟练 Commercial Finance Knowledge
熟练 Compliance
中级 Compliance Assurance
熟练 Compliance Reporting
熟练 Corporate Finance
熟练 Corporate Finance Handling
熟练 Credit and Collection
熟练 Credit Card Statement Entries
熟练 CRM Database Management
熟练 Customer Ledger Management
中级 Customer Services
熟练 End Of Month Reconciliation
熟练 Final Accounts
熟练 Financial Accounting
熟练 Financial Analysis
熟练 Financial Audit Compliance
熟练 Financial Controlling
熟练 Financial Counseling
熟练 Financial Data
中级 Financial Forecasting
熟练 Financial Management
中级 Financial Modeling
熟练 Financial Monitoring
熟练 Financial Policies and Procedures Command
熟练 Financial Regulations
中级 Financial Risk Management
熟练 Financial Service Management
熟练 Financial Statement Analysis
熟练 Financial Strategy
熟练 Funds Management
熟练 General Ledger
中级 Internal Audit Command
熟练 Key Business Performance Metrics
中级 Knowledge of IFRS
中级 Knowledge of Taxation
熟练 Management
中级 Payroll Management
中级 PPC Command
熟练 Proactive Approach
熟练 Purchase Management

语言

中级 英语

Musharraf 联系人

khayyam hanif
Nawaz & Co