Part of Line 1 Risk community in Business & Private Bank to ensure effective oversight, governance, assurance and management of risks and controls across Business & Private Bank. Supports the Business & Private Bank divisions (Small Business Banking - SBB, Business & Corporate Banking - BCB, Private Banking - PB, Regional Agri-Business - RAB, Business Customer Solution and CommSec) and provides them with the visibility and tools to effectively manage and optimise their risk and control frameworks.Accountable for driving continuous improvement, and optimising the control environment in Business & Private Bank (across all segments). Leading Data Management Risk assignments for Chief Control Office (CCO) and participation in technology risk activities for BPB.

The 2nd line Operational Risk and Compliance Assurance Manager, accountable for delivering the annual assurance plan approved by divisional Risk and Compliance Committees. Perform independent reviews and evaluations that will assist management in exercising its responsibility to develop, maintain, monitor, and continuously enhance control frameworks and systems. The role also promotes the development of a strong, effective and enduring risk management culture. The role is responsible for contributing to the design and implementation of an effective three lines of defence risk assurance model, and will maintain effective engagement with external and internal auditors, and also be responsible for contributing to a high-performing, trusted and valued risk team.

Supports the Operational Risk function to implement the operational risk aspects of the Bank’s Risk Management Framework, Group Operational Risk strategy and associated operational risk procedures to ensure that operational risk is effectively managed at the business unit level. a. Adherence to laws and regulations, internal risk and compliance policies and the Group Code of Conduct.b. Proactive identification and reporting of risks and concernsc. Mitigation of risks and resolution of issues in a timely manner including developing suitable controls and measuring their effectivenessd. Continue to facilitate the embedding of the Operational Risk Framework (ORF) within Operational Risk functione. Gain the knowledge and understanding required to act as the “on the ground expert” for Risk to achieve a successful migration to and adoption of the new Group Strategic Operation Risk platform (Enterprise Operational Risk Platform)f. Ensure compliance with Operational Risk Policies and Procedures. Immediately escalate unsatisfactory operational risk events g. Lead and facilitate the completion of comprehensive, high quality root cause analysis of unsatisfactory operational risk events h. Ensure new processes and products are adopted and embedded , with key controls and ORF impact understoodi. Review audit/peer/ripple reports to ensure issues identified have been adequately mitigated within home countryj. Partner with Audit and Compliance to facilitate effective assurance through the alignment of controlsk. Coordinate, drive and direct effective compliance and operational risk management at the Business/Unit level in order to achieve favorable audit outcomesl. Manage and resolve any operational issues and ensure that any changes to controls or procedures are implemented to reduce risk incidentsm. Responsible for ensuring the timely identification, assessment, mitigation, reporting and escalation of all identified Operational Risk exposures.

Operational Risk Policy and Governance:• Drive effective implementation of business related operational risk regulations within the country business• Work with Group Business operational risk and CCRO (Chief Credit Risk Officer) to address conflicting requirements• Ensure control mechanisms within Business unit are fit for purpose and effective.• Timely escalation of key issues to Executive Country Management and Group functions.• Ensure compliance with operational risk Policies in Business• Ensure UORMs (Unit Operational Risk Managers)/RPs (Responsible Persons) are trained in required skills in knowledge on operational risk managementOperational Risk Management:• Identify and anticipate environmental/external changes and the impact upon underlying risks and control effectiveness• Fully understand Risk Registers and the underlying process requirements • Identify significant controls gaps and business implications on Gross Residual risk exposures, during reviews / investigations • Validate first line control assessments• Work with Business head to amend controls where required• Evaluate understanding of underlying operational risk, level of residual Operational risks• Utilize Risk management tools (Optial and Phoenix systems) • Drive business unit adoption of the use of risk appetiteBusiness Acumen – Wholesale Banking & Consumer Banking specialist skills:• Identify business key risk exposures;• Engage the business management team forward looking operational risk issues impacting control environment• Refresh own knowledge and skills on operational risk updates and products offered.• Ensure UORMs/RPs are trained on controls built within the processes (including Strategic & Systemic)Leadership Capability:• Drive cultural and behavioral change amongst Business UORMs and RPs, towards forward looking, proactive, strong risk management culture to ensure optimal risk/return decisions made

Launch of VISA Debit Card: Worked as a project lead in Launching MCB Visa debit card. • Vetting of VISA agreement with the help of respective stakeholders to meet bank’s requirement• Preparation of Product Programme Group (PPG) for VISA debit card• Accounting Manual which covers end to end finance part of product; covers manual & automated entries of customer activity associated with product• Ensure that new product should comply with all regulatory requirements as per applicability • User Activation & Verification Testing: By way of leading end to end testing of the new product for zero error launching• Product Bundling: Preparation of strategy to bundle parent product with sub products Existing Portfolio of Smart Card (Maestro): Replacement of current MCB Maestro portfolio into VISA:• Re-Carding of existing card holders: Migration of all existing smart card holders into VISA, post launch. • TP (Transaction Processing) System Migration: All Cards resides in EN (Euronet – international service provider) and all data will be migrated from old version to newer. Other responsibilities as a Product Manager:• Product Training to frontline staff related to debit card product and process• Quarterly regulatory reporting to Central Bank of Pakistan in relation to debit cards• Reviewing of total portfolio on semi-annual basis to monitor the revenue (card’s annual fee, replacement fee, issuance fee, transaction fee etc) and write-offs/ operational losses (if identified)Responsibilities as a Risk Manager in Remote Banking area as a whole:• Ensure compliance to regulations related to Remote Banking/e-Channels viz. Debit Cards, Internet Banking, ATM etc• Assist business unit to perform assessment on key controls / processes within remote banking• Perform detail root cause as a 1st line officer on incidents occurred within remote banking area

• Identify and anticipate environmental/external changes and the impact upon underlying risks and control effectiveness• Fully understand Risk Registers and the underlying process requirements • Identify significant controls gaps and business implications on Gross Residual risk exposures, during reviews / investigations • Validate first line control assessments• Work with Business head to amend controls where required• Evaluate understanding of underlying operational risk, level of residual Operational risks• Evaluate effectiveness of controls to manage residual Operational risks together with first line management• Challenge if action plans/steps taken were appropriate, was the optimal decision made on risk/return• Utilize Risk management tools (Optial and Phoenix systems) • Drive business unit adoption of the use of risk appetite• Perform back testing of control effectiveness and risk identification through analysis of significant events to ensure causes and any reasons for our failure to detect the control weakness are understood• Drive effective implementation of business related operational risk regulations within the country business• Work with Group Business operational risk and CCRO (Chief Credit Risk Officer) to address conflicting requirements• Ensure control mechanisms within Business unit are fit for purpose and effective.• Timely escalation of key issues to Executive Country Management and Group functions.• Ensure compliance with operational risk Policies in Business• Ensure UORMs (Unit Operational Risk Managers)/RPs (Responsible Persons) are trained in required skills in knowledge on operational risk management• Monitor and review progress of operational risk governance implementation within Business • Ensure compliance to BORC (Business Operational Risk Committee) TOR (Terms of Reference)

• As a Channel Manager - Optimization & digitization model; Monitoring of customer’s activity on IVR; Daily MIS & tracking; Self Service development; Reduction in call volume; Group reporting; Managing functionalities on IVR; Dealing & meetings with Vendors• As an analyst - daily MIS; Salary disbursement; Allowances and Commission MIS; Project and Budgeting; Monthly reporting to HR and Finance; Performance matrix for Phone Bankers; Memo writing; Capacity Planning for future i.e. projection MIS; Part of integration and Audit work; Weekly presentation to management• As a Frontline Officer - Online Pay Order & Demand draft; Card Activation & Payments; Internal & 3rd Part Funds Transfers; Customer’s Complaints; Stop Payments & Statement request; Reward point’s redemptions; Communication Skills & Call handling