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概要
I am a diligent and resourceful professional highly skilled in Compliance and Audit i.e., internal audit, regulatory compliance, AML, CFT, and CDD. Expertise in all aspects of audit & regulatory compliance, internal control units, and reporting.
- Proven track record of handling assignments of Department Head in two banks in the compliance department.
- Credited for establishing internal control units in ALbaraka bank and FINCA Bank as well as restructuring the compliance department in FINCA Bank, and implementing TMS, FRMS, and CRMS.
- Strategically placed to involve and steer major committees like the Disciplinary Action committee, Provident Fund Trustee committee, and IT steering committee.
- Ability to design and implement compliance risk management systems, audit compliance modules, regulatory correspondence, and screening procedures to promote and sustain branchless banking.
- Elite Communicator with the ability to translate leadership vision into executable plans for teams to follow.
My key skills include Compliance | AML/CFT | CDD | Audit | MIS | Budgeting & Forecasting | SBP Regulation knowledge | Branchless & Digital Banking | Internal Controls & Management | Continuous Process Improvement | Cross-Functional Leadership
My professional background and great industrial exposure coupled with an excellent track record makes me an ideal candidate for executive roles. As such I would welcome a discussion regarding opportunities with your organization that fit my background.
工作经历
Deputy Head of Compliance & Internal Control (SVP)
Strategically position to manage three departments, including AML/CDD, screening, audit & regulatory compliance, and internal control units. An integral part of Disciplinary Action, Provident Fund Trustee, and IT steering committees.
System Implementation:
Achieve bottom-line results by designing and executing TMS in the bank. Hold full accountability for generating customer CDD-related MIS reports for SBP Inspection.
Directed high-performing teams to implement a compliance risk management system, modules for audit compliance, regulatory correspondence, and screening procedures on the branchless banking.
Ensured addition of FATCA/CRS fields as well as modifications in banking system related to accounting risk rating.
AML, CFT, Sanction screening, and CDD:
Exercised hands-on approach to redesign CDD procedures for L1 & L2 account openings at the branchless banking side. Designed data cleansing process regarding KYC/CDD. Developed an effective process to design a new EDD form.
Steered efforts to ensure TMS model designing, alert model rationale, and on-the-job training to staff for alert handling, alert closure, and STR analysis.
Introduced internal risk assessment reports based on SBP requirements and conducted gap analysis of AML/CDD procedures with revised AML CFT guidelines and FI requirements.
Set a benchmark of excellence by leading the conversion of manual screening procedure into a system-based tool for the fourth schedule and other lists.
ICU Structure Development:
Researched numerous verticals to create and implement a yearly plan of branch visits and HO-based activities.
Developed internal control unit in the bank at the regional level and validated working checklists, reporting formats, and bank-wide consolidation process of RCC reports.
MIS Designing:
Held full accountability for analyzing and updating department policies, TMS, and ICU SOP’s. Produced logs of communication and delivered reports to senior management. Linked sheets in line with ICU, audit, and RCC reports.
Skillfully analyzed and tested grass root working formats to design dashboard and MIS for department units and management of the bank
Performed duties as a strategic overlay to generate MIS reports that facilitated CCM and BOD in making decisions.
SBP Inspection Co-ordination:
Compiled, finalized, and disseminated subsequent penalties and contests of SBP inspection reports.
Built synergies with the SBP inspection team at the bank level to share data on pre-post departure of the team.
Stayed abreast and monitored the routine SBP penalties imposed on surprise cash verifications and eCIB.
Staff Trainings:
Played an integral role in designing yearly plans for the branches related to AML, CFT, and CDD.
Identified areas of improvement, created eLearning courses, and delivered on-job training to the compliance department staff that improved overall efficiency.
Head of Compliance, Regional Head, Area Compliance Manager (VP)
Bank undertook a merger deal and merged with a local Islamic Bank ‘Emirates Global Islamic Bank (EGIBL)’, after which bank’s Head office was shifted to Karachi and top Management of EGIBL prevailed as a result.
Supervised compliance and internal control staff posted at the HO, area level locations and centralized locations, such as Foreign trade, CAD, COD, and RSD. Oversaw staff and functions such as TMS workings, Sanctions screenings and CDD-related workings. Actively liaised with annual SBP inspection teams at HO, in branch inspections, branch report discussions, and area report discussions. Functioned in close collaboration with ABG internal audit teams from Bahrain Office in annual audits. Assumed and maintained liability for reviewing and approving mark-up rate subsidy cases.
Selected to work on the regional level as the Head of Compliance in recognition of excellent industry knowledge.
Ensured swift resolution of compliance-related issues through close collaboration with HODs and Regional heads.
Steered the implementation of regulatory requirements at regional branches.
Head of Compliance
Member of the following Management Committees: Compliance Committee and Risk Committee
Area Compliance Manager (OG I)
Resident Auditor (OG II)
Key Achievements: Detected loss of income of RS 25M (excess paid on TDRs). || Detected loss of income of RS 50M (Less mark-up recovery on Advances).
Assistant Manager Internal Audit (North)
