Hammad Rafique Email & Phone Number

Karachi Division, Sindh, Pakistan

Hyderabad, Sindh, Pakistan

South

• Conducting thorough internal audits of branch operations and finance, encompassing various facets such as credit processes, documentation, disbursements, monitoring, pledge stock inspection, CAD processes, branch cash operations, account opening, KYC procedures, clearing and remittances, and addressing IT issues.• Undertaking management audits of critical areas including the Central Processing Unit, Human Resources, regional business operations, and general operations, ensuring adherence… Show more • Conducting thorough internal audits of branch operations and finance, encompassing various facets such as credit processes, documentation, disbursements, monitoring, pledge stock inspection, CAD processes, branch cash operations, account opening, KYC procedures, clearing and remittances, and addressing IT issues.• Undertaking management audits of critical areas including the Central Processing Unit, Human Resources, regional business operations, and general operations, ensuring adherence to established protocols and standards.• Reviewing and supervising the work performed by team members during audits, ensuring that identified issues are accurately reported and resolved in a timely manner.• Overseeing off-site and on-site review functions efficiently, proactively identifying potential risks, and recommending appropriate corrective actions to mitigate such risks.• Finalizing comprehensive internal audit reports and executive summaries for further review and issuance, maintaining a meticulous approach to documentation and reporting.• Reviewing branches' compliance with highlighted observations, maintaining detailed records of compliance activities particularly within the South Region, and providing opinions on pending observations for resolution.• Preparing significant audit findings reports for overall branches within the South Region, identifying control weaknesses and process gaps, and suggesting improvements to enhance operational efficiency.• Assisting senior management, including the Regional Audit Chief, Managers, and Head of Audit, in various matters related to internal audits, including ongoing special assignments such as fraud and forgeries investigations, thereby contributing to the overall risk management framework of the organization.In executing these responsibilities, I uphold the highest standards of professionalism, integrity, and attention to detail, ensuring the continued robustness and compliance of banking operations. Show less

Hyderabad

As the Assistant Accountant at Educational Services (Pvt) Ltd. (Beaconhouse campus), I am entrusted with a range of crucial financial responsibilities to ensure the smooth operation of financial processes. This includes meticulous management of accounts payable and receivable, meticulous handling of petty cash and reimbursement claims, and diligent management of vendor payments. I also undertake critical tasks such as reconciling accounts, administering payroll, and addressing taxation matters… Show more As the Assistant Accountant at Educational Services (Pvt) Ltd. (Beaconhouse campus), I am entrusted with a range of crucial financial responsibilities to ensure the smooth operation of financial processes. This includes meticulous management of accounts payable and receivable, meticulous handling of petty cash and reimbursement claims, and diligent management of vendor payments. I also undertake critical tasks such as reconciling accounts, administering payroll, and addressing taxation matters such as withholding tax and general sales tax. Additionally, I oversee employee leave maintenance, manage new appointments, and handle adjustments against advances. My role extends to managing critical fee defaulters, facilitating EOBI matters, processing final settlement cases, posting journal vouchers accurately, and coordinating medical claims submissions. My dedication to maintaining financial integrity and regulatory compliance is paramount in sustaining the school's financial health and operational efficiency. Show less

Karachi And Hyderabad

JOB ResponsibilitiesProcess of Account Opening• ( New A/c, Activate & Deactivate Old Accounts)• Provide Adequate information to H/O Regarding Reassurance Document• Maintain A/C opening/ Closing Folder as per SOP Cheque Books• Process customer request for Cheque books after completing of Account Opening Procedure.• Maintain stock of un delivered cheque book and follow up the customer• Marking of Stop Payment on customer Request.• Issuance of TDR to Account… Show more JOB ResponsibilitiesProcess of Account Opening• ( New A/c, Activate & Deactivate Old Accounts)• Provide Adequate information to H/O Regarding Reassurance Document• Maintain A/C opening/ Closing Folder as per SOP Cheque Books• Process customer request for Cheque books after completing of Account Opening Procedure.• Maintain stock of un delivered cheque book and follow up the customer• Marking of Stop Payment on customer Request.• Issuance of TDR to Account HolderClearingScrutinize inward clearing and outward clearing , stamps/sign on cheques and post to the relevant Account, and deliver to House of clearing ( NIFT) as well as their reports of inward return at NIFT and Regional office after clearing settlement.Prepare Voucher for recovery of relevant charges for Outward/inward clearing as per the schedule of charges.Handle customer and branches queries regarding Clearing cheques.Local RemittancesHandle local inward and outward Remittances, like transfer of funds issuance of Pay Order And Call Deposit Receipt Deduct W.H.T from services provider.VouchersScrutinize and Recheck vouchers of Cash receipt, cash payment, clearing and find the mistake and resolve problems and report Submit to Operation Manager.Floor ManagementIn floor management maintain the cleanliness in branch and assure that all the brochure and blank vouchers available at desk and greet to walk-in customer and resolve the query of new customers.Service Quality CoordinatorMaintain the service Quality in Respective Branch as well as maintain the files of service Quality and resolve the service quality problem. Document ControllingMaintain All Document of Account Opening , Remittances, Clearing etc Show less

B.Ed, Science

Cma, Management And Accountancy

Master Of Business Administration (M.B.A.), Finance, 3.60

Bba, Finance, 3.17 Cgpa

Intermediate, Pre Eng

Matriculation, Science, A

Activities and Societies: Field Hockey, Chess