Risk Management, Compliance and Operations

• Periodic reviews of risk policies and procedures and to ensure regulations are adhered to at-least and banking best practices are being proposed as a proactive approach.• KRIs, RCSA, Root Cause Analysis.• Vetting of Regulatory Returns / Portfolio Reports / Performance Reports to State Bank of Pakistan and Share Holders. • Implementing BCP across the branch networking.• Training of Staff regarding BCP Awareness. • Ensure bank and branches operations are according to organizational manual and policies.• Vetting of New Loan polices and manuals of Islamic and conventional division and give feedback, recommendations and suggestions.• Handling of Legal Cases and Hearing meeting in SBP regarding customer’s complaints and arrange supporting documents regarding legal matters and coordinate with legal advisor/ Lawyer of Bank

 Analysis of SBP/Share Holders Reports Monthly Compliance Report  Monthly Send Back Data Preparation Vetting of Loan on Emails.  Information Security Assignments Maintaining Files Record of Compliance Department. Collection of Certificate of Compliance Daily Credit Case In/Out Report – Summary  Field Visits Reports & Compliance Rating. Send back ENTA, GOLD, KZTL Sheet. Maintaining Livestock Record.  Compliance Ratings.  Cash Flow Analysis Sheet (ENTA, AGRI)

 Responsible of entire branch internal working. Responsible of audit both internal and external. Handles all branch complaints, customers, public and regulators. Supervises to maintain discipline of branch, attendance, leave of staff, relieving arrangements, relevant correspondence etc. Usually hold 2nd cash safe keys of branch. Check daily cash closing balance of t teller/cashier and safe it in cash/vault of branch in t absence of manager of branch. Does second supervisions and cancellation of cheques/credit vouchers as per laid down limits by t top management. Manages preparation all periodic statements to regional office, ad office and regulators i.e. SBP. Responsible and manages to deduct Zakat will applicable, and deposit in relevant account. Deduct with-holding tax and arrange its deposit with Govt. Account. Opens accounts or deputes any desk officer to do this job. Interviews new account holders. Supervises dormant account with manager as prescribed by top management. Attends all regulators queries and law enforcing agencies and supervisor office. Assist to manager in all fields to make branch more profitable. Reconciles inter branch transactions and ad Office Account. Responsible for branch operations, record and compliance policies and procedures of NRSP MFBL and SBP. Responsible to ensure that all employees in branch are working efficiently. Support SRO in proper monitoring of credit activities. Maintaining up to date records for providing timely information to t field staff. Safeguard all records such as backup files of MIS, FIS, Receipt Books, Cheques, Vouchers, Bank Statements, Cash Statements, Stamps and legal stationery etc. After monthly closing transfer t MIS data to Regional Office. Preparation of reconciliation report of each account to submit it to Regional Office. Verify closing of all accounts on daily basis.

Worked as officer at NRSP microfinance bank (head office) from April 2011 To July 09, 2013 of responsibilities were:- Preparation of consolidated recovery and disbursement reports. Preparation of consolidated statement of affairs. Reconciliation of Trail Balance and GLs of All Branches on Daily Basis Preparation of fortnightly cash reserve report and statement of statutory liquidity Report for SBP.  Preparation of monthly reports for management and statutory purpose. Prepare and finalized quarterly deposit activity report for onward submission to State bank of Pakistan. Provide internal audit and risk and compliance department, branch related financial information for their decision making.  Resolved queries and maintain close interaction with all branches on daily basis. Monitor and supervise closing of branches activities on daily basis and resolved any problem if occur on the branch side. Monitor and supervise closing of branches activities on daily basis and resolved any problem if occur on the branch side

Working as officer at NRSP Micro finance bank (Head Office) from April 2011 to October. My major duties were:- Assist Desk officers and Assistant Manager in preparation of Daily reports for Management and regulators. Deal with expense for approval. Handle the death cases according to bank policy and provide information to Finance department for provisions about write off. Scrutiny of credit cases and forward for further process. Handling of the fund request from branches. Perform loan booking.