Atif Munir Email & Phone Number

Riyadh, Sa

Al Saudia, Riyadh, Saudi Arabia

Lahore, Punjab, Pakistan

• Navigated complex liquidity and interest rate risk scenarios with finesse by implementing robust frameworks for Interest Rate Risk in the Banking Book (IRRBB) and liquidity risk management.• Proactively managed market risk and meticulously monitored liquidity buffer levels, ensuring strict adherence to Basel III/IV regulations, and responsible for regulatory reporting including Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), ICAAP, CAR, Stress Testing, Macro Stress… Show more • Navigated complex liquidity and interest rate risk scenarios with finesse by implementing robust frameworks for Interest Rate Risk in the Banking Book (IRRBB) and liquidity risk management.• Proactively managed market risk and meticulously monitored liquidity buffer levels, ensuring strict adherence to Basel III/IV regulations, and responsible for regulatory reporting including Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), ICAAP, CAR, Stress Testing, Macro Stress Testing.• Demonstrated expertise in preparing comprehensive Liquidity Risk Analytics for high-level committees, including the Asset Liability Committee (ALCO) and the Board's Risk Management & Portfolio Review Committee (RMPRC), enabling informed decision-making and strategic planning.• Reviewed proposed derivative products, ensuring appropriate valuation methodologies and risk models aligned with the bank's standards and regulatory compliance.• Conducted research on industry best practices, recommending improvements for continuous development and refinement of market risk methodologies and models.• Employed cutting-edge risk measurement tools such as Value at Risk (VaR), duration, sensitivity analysis, Potential Future Exposure (PFE) & PVBP to prepare and analyze daily market risk reports. Diligently monitored Forex, Money Market, and Equity portfolios, ensuring compliance with preapproved limits.• Led the successful execution of comprehensive stress testing exercises, rigorously analyzing potential risks, and evaluating the bank's resilience under adverse scenarios.• Spearheaded the design and implementation of IFRS 9 standards, ensuring compliance and seamless execution. Developed Probability of Default (PD) and Loss Given Default (LGD) models, integral to the bank's risk assessment framework. Regularly conducted and managed Expected Credit Loss (ECL) calculations and IFRS runs, ensuring accuracy and reliability in financial reporting Show less

Lahore District, Punjab, Pakistan

Distinguished for my exceptional expertise in operational risk, I was chosen as a Senior Officer and rapidly ascended to the coveted position of Manager within a remarkably short timeframe. This swift progression is a testament to my remarkable potential and unwavering commitment to consistently deliver outstanding results with unmatched efficiency and effectiveness.• Utilized acute banking knowledge to digitalize Operational Risk and introduced an innovative solution for maintaining track… Show more Distinguished for my exceptional expertise in operational risk, I was chosen as a Senior Officer and rapidly ascended to the coveted position of Manager within a remarkably short timeframe. This swift progression is a testament to my remarkable potential and unwavering commitment to consistently deliver outstanding results with unmatched efficiency and effectiveness.• Utilized acute banking knowledge to digitalize Operational Risk and introduced an innovative solution for maintaining track of processes, risks involved in them and controls to counter those risks. Further this system is designed to provide end to end solution for whole RCSA process, making it aligned with banking system of the bank and provide heat maps & risk profile of the bank. (Under development).• Analyzed, formulated, and spearheaded strategies for bringing efficiency & strengthening internal control environment of 15 groups by coordinating which includes Corporate & International, Wholesale, Retail banking on a bank wide basis. • Performed onsite RCSA validation activity for Sri Lankan operations & identified more than 10 key Operational & Fraud Risk exposures & key issues were effectively managed. •Architected & revamped three policy documents of Operational Risk & Internal Controls and got it approved from BOD.• Designed & produced several meaningful reports for BOD on Operational Risk and RCSA on regular basis.• Coordinated and built synergies between different departments both nationally and internationally for implementation of Operational Risk tools (Key Risk Indicators (KRIs) and RCSA. Evaluated risk inherent in their processes and streamlined controls along with their residual risks. • Served as a resource in all efforts to provide guidance and training to 700 + bank’s staff belonging to different groups, both nationally and internationally regarding Operational Risk, Loss Data, KRI and Internal Controls & RCSA. Show less

Lahore, Pakistan

As Branch Manager Operations, I ensure flawless branch operations, upholding policies, exceeding turnaround time benchmarks, and fostering seamless efficiency for exceptional customer experiences, driving unprecedented bank success.• Instrumental team leader, mentor, and strategist responsible for overseeing a 7-member team of supervisors and officers. I strategized and aligned resources, oversaw routine activities, and monitored the quality of work.• Adhered to Customer Due… Show more As Branch Manager Operations, I ensure flawless branch operations, upholding policies, exceeding turnaround time benchmarks, and fostering seamless efficiency for exceptional customer experiences, driving unprecedented bank success.• Instrumental team leader, mentor, and strategist responsible for overseeing a 7-member team of supervisors and officers. I strategized and aligned resources, oversaw routine activities, and monitored the quality of work.• Adhered to Customer Due Diligence (CDD), Anti-Money Laundering (AML), and Countering the Financing of Terrorism (CFT) guidelines, ensuring that all transactions performed are in alignment with customer profiles.• Managed asset relationships of corporate clients, exceeding 2 billion in value, effectively meeting their needs and maximizing profitability.• Evaluated and restructured the liability portfolio, resulting in a significant reduction of the Cost of Funds from 5% to 3%, positively impacting the bank's financial performance.• Spearheaded various improvement initiatives, resulting in a notable improvement in the branch's rating from "Moderate" to "Excellent". These initiatives included enhancing operational efficiency, service quality, and overall customer satisfaction.• Successfully managed significant challenges associated with the emerging business environment by identifying new business opportunities. This resulted in a substantial increase of PKR 150 million in branch deposits while efficiently controlling expenses and achieving a 35% reduction.• Conceptualized and executed the automation of various day-to-day activities, effectively reducing staff workload by 50% and improving overall operational efficiency. Show less

Sialkot

• Delivered exceptional banking services, surpassing customer expectations, and tailoring banca plans to meet their unique needs and requirements.• Received the prestigious "Top Performer" award from senior management in recognition of exceeding customer expectations.• Successfully induced 130 million in deposits by actively marketing to walk-in clients throughout my tenure at the bank.• Leveraged keen insight to conduct weekly Anti-Money Laundering (AML) analysis on transactions… Show more • Delivered exceptional banking services, surpassing customer expectations, and tailoring banca plans to meet their unique needs and requirements.• Received the prestigious "Top Performer" award from senior management in recognition of exceeding customer expectations.• Successfully induced 130 million in deposits by actively marketing to walk-in clients throughout my tenure at the bank.• Leveraged keen insight to conduct weekly Anti-Money Laundering (AML) analysis on transactions performed by 4000 active account holders.• Activated 350 dormant accounts, resulting in a significant increase of PKR 80 million in the branch's deposit figure for the year 2014.• Collaborated with cross-functional teams to implement customer-centric initiatives, enhancing service quality and satisfaction.• Fostered strong customer relationships, leading to increased retention and referral rates.• Conducted comprehensive financial needs assessments, providing personalized recommendations and diversifying the bank's portfolio.- Resolved complex customer issues efficiently, showcasing exceptional problem-solving skills and maintaining high customer satisfaction.• Actively pursued ongoing professional development, staying updated with industry trends and best practices in order to deliver exceptional banking services. Show less

Sialkot

Drove service quality department of branch and reduced customer transactions time by ensuring that transactions are performed within turnaround time (TAT).• Elevated the branch’s service rating from “Poor” to “Excellent” and maintained that position throughout the career.• Volunteered my services in the Foreign Trade Department and handled business of Rs. 6 billion together with credit side of the trade.

Emba, Business Administration And Management, General

Cfa Level 1, I Have Passed Cfa Level 1 In 2018

Jaibp, Banking, A

B.Com (Hons), Accounting And Finance, 3.64/4

Intermediate, Mathematics, Statistics And Economics, B