Bilal Ahmed Vohra Cdcs, Citf Email & Phone Number

Dubai, Ae

Dubai, United Arab Emirates

Karāchi, Sindh, Pakistan

Advisory, governance, and support to HBL Belgium, Turkey, China, Singapore, UAE, Bahrain, Oman, Maldives, Bangladesh, Sri Lanka, Mauritius

Dubai, United Arab Emirates

Manage to ensure:Pro-active management of bespoke commodity transactions and complex structuresAgile supervision of all transactions to ensure compliance with Group Policies, Credit Sanctioning Operational Procedures, ICC Rules (UCP 600, ISP98, URR725, URDG758, and URC522), and for accurate and timely execution alighted with business oriented approachEffective vigilance to suspect fraudulent transactions and satisfaction of relevant controlsProper attention to details and understanding the business needs while proactive engagement with customers assisting them for articulating terms and conditions of trade finance instruments for consistency with underlying contracts, to avoid confusions and conflicts and for swift flow of businessCredit facilities are timely approved, allocated and uploaded onto systems for straight through processing of upcoming transactionsEfficient coordination with FI’s to negotiate pricing, and to expedite transactions to ensure minimal TATAccurate computations and accounting of fee, commission, interest, in line with pricing, RORWA benchmarksConserve the flow of business and sourcing additional business by exceeding customer expectations. Immaculate end to end completion of trade finance transactions, effective to adhere zero tolerance for customer complaintsTimely submission of complete and accurate data to regulators. Ensure all transactions subject to tax regulations, the tax against them are accurately appliedFormulating and Testing of RCSA – Risk & Control Self-Assessment, Incidents are timely identified, recorded, escalated and resolved and addressed from both stock and flow perspectivesThe new system launch has all the required functionalities to accommodate complete coverage of trade finance business including transferable letters of credit, selling off existing exposure in secondary market (financial institutions).Perpetual publication of trade finance reports and management information

Dubai, Uae

Reporting into Assistant Vice President, Operational Risk & Internal ControlsFunctionally responsible for risk identification, risk materiality assessment, residual risk impact quantification, control designing, categorization of preventative, detective, and limiting controls. Managing business risks (operational, credit, technology and fraud) according to risk entity conventions.Audit management, control assurance, and effectiveness testing, risk & control documentation, and assessment, new product approval risk assessment, principal risk assessment, risk event / incident management, process reviews and gap analysis, defining key risk and performance indicators, governance tracking of dispensations & wavers

Dubai, Uae

Reported to Vice President, Head of Retail OperationsFunctionally responsible for administration, coordination & governance tracking of:Dash board MI, key performance & risk indicators, service delivery scoring, capacity & productivity analysis, risks mitigating controls assessment, system enhancement projects, process lean re-engineering, off shore operations, data base management, information security & logical access rights certifications, record management schedules, resolution of escalated complaints, audit & compliance fulfillment & closures, business continuity planning, impact assessment, recovery testing & training

Dubai, Uae

Chargeback, Settlement & Reconciliation Unit: Case study & analysis of customer disputes, chargeback, retrieval, re-presentment in line with VISA & MasterCard regulations, reconciliation of general ledgers & accounting adjustments according to financial control framework & matrix, managing central bank cash withdrawals / deposits for branch & ATM vaults, inter branch foreign currency transportation management & treasury reporting, managing utility bill payments process via debit / credit cards / ATM & cash deposit machines, data warehouse management, periodic analysis & financial reporting, system issues & UAT managementCard Processing Unit:Formulation of process notes, memos & process checklists, dash board MI, graphs, pivots, de-dupe & eligibility checking for loan against credit cards, installment transactions review & verification, resolution of escalated complaints & queries, compliance & risk event reporting, NOCH & REJC bucket's transaction analysis, drop box (cheque payment) management, correspondence & meetings with stake holders to develop base structure & processes, training of team members

Karachi, Pakistan

Chargeback Unit: Issuing & acquiring profile: (local & international), outgoing & incoming retrievals & fulfillment, outgoing & incoming chargeback & re-presentments, pre-arbitration, pre-compliance & arbitration analysis, consolidated MI, chargeback reports, daily financial reporting, interaction & coordination with other departments like merchant sales, OLA, SP & PR, FRMU, and I.T. to keep the process flows streamlined regarding customer complaints and dispute cases and for improvement in efficiency, innovations and automation of manual systems, Interaction and coordination with other issuer and acquirer banks regarding dispute casesTransaction Processing Unit:Merchant & credit card balance transfer payments processing, outgoing interchange file processing for MasterCard, pick up reward payments, merchant loyalty program, alliances and privileges payments