Khadim Nanji Email & Phone Number

Dubai, Ae

Dubai, United Arab Emirates

Using my experience in international banking to create solutions that address the key ‘pain points’ in the banking industry with a specific focus on the compliance framework for management of trade based money laundering.

Dubai, United Arab Emirates

Dubai, United Arab Emirates

Karachi, Pakistan

Led the digital strategy for HMB, which is now under implementation, managed the strategic purchase of the HMB Head Office, and standardized branch premises & furnishing across the bank.

Karachi, Pakistan

Conceptualized, built plans and developed the strategy, obtained board approval and implemented the operations strategy for centralized transaction processing. Also focused on: • Managing/streamlining HMB operations in a planned manner and in teamwork with other senior stakeholders to achieve an effective and efficient operations structure which is in line with international standards and the growth objectives of HMB (approximately new 30 branches per year)• Manage and implement centralized processing of trade and cash management functions.• Transformed the end to end branch experience by leading and implementing the ‘Operations/Customer Services Manager’ initiative which strengthened the process platform, cost effectiveness and efficiency of our branch network. • Worked with senior stakeholders to maintain and enhance operational controls and service quality.This resulted in 1) an operations structure with high service standards that were acknowledged by the customer 2) fostered the continuous expansion of the HMB branch network 3) attained international control standards across operations.

Karachi, Pakistan

Led the bank to a higher level in terms of its organizational structure, its processing platform and diversification of its business into various other industries in Pakistan. Our main strategies included a cohesive risk architecture to manage credit, market, liquidity and operations risk and centralization of operations and credit processes for attaining an upgraded operating platform that is robust, service oriented and efficient. Key components included: • Creation of a risk management infrastructure comprising of an operations risk unit, credit risk & admin unit, market & liquidity management middle office and compilation of the relevant risk management manuals for these divisions. • Revamping the credit MIS system to enable on-line monitoring of credit limits, out standings and collateral, which served as a foundation for implementation of the Basle II guidelines.• Streamlining relevant bank processes including but not limited to FX/MM, credit initiation & admin processes, and operational controls. • In October 2006, the Pakistan Operations of Habib Bank AG Zurich were merged with Metropolitan Bank to form Habib Metropolitan Bank. I led the integration for both the merging entities. This involved planning, execution and management of all aspects of the merger. Our merger team achieved an integrated data base/ processing platform, unified product offering and a cohesive merged organization from “day one” of the merger. Importantly, customer service quality was maintained without any disruption during the merger process.

London, United Kingdom

Based in London I developed & executed audit plans for significant size businesses and/or complex product businesses. This entailed comprehensive knowledge of audit/risk assessments, recognized expertise & leadership. I was responsible for overall business monitoring, creative solutions for risks and control problems, active participation in the global audit plan and participation in major business initiatives. In addition to handling projects on operational risk & self assessments, I also developed Risk Appraisal Profiles for South Africa, Tanzania, Tunisia, Bahrain, Russia and Turkey and conducted audits of Citibank Egypt, Uganda, Poland, Lebanon, Pakistan, Russia, Turkey and Bahrain. For Bahrain, I covered the Islamic Banking products handled by Citibank Bahrain and Citibank London. For certain markets I was the lead auditor e.g. Russia, Bahrain, Turkey and Pakistan

Tunisia

• In one year we set up the organization in Algeria, which enabled the delivery of value-added services and consolidated our position as a leader in the marketplace.• In Morocco, where margins were relatively thin and competition intense, the focus was on cost optimization and satisfaction of client needs through specialized services. We doubled processing volumes and reduced O&T costs by 25 %.• In Tunisia we were amongst the few financial institutions that had ISO certification and our hallmark was service quality. In O&T we delivered value in terms of 10% cost savings and development of local management skills that cumulated in the assignment of a local professional to the position of the O&T Head for Citibank Tunisia (and also for Citibank Morocco). • Centralized the data center and processing for Citibank in Morocco upgraded the processing of Algeria for optimizing the benefits of centralization and centralized the data center for Citibank Morocco. This was in conjunction with the Institutional strategy and industry trend.

Tanzania

The country organizations were weak and previous attempts to upgrade the processing platform had failed. Implemented the strategy that focused on local staff development, organizational revamp and upgrade of service quality & controls. The sustainability of the upgraded organization was proven through independent reviews. Local staff did not only take on the country operations management responsibilities, but some are now working abroad in other Citibank locations. This enabled a business profitability increase of 30%.

London, United Kingdom

I conducted, risk analysis of the processes and recommended controls systems to develop an environment “immune” to operating losses for the FX/MM Regional Processing Center (RPC). The RPC catered to FX/MM processing of the Citi franchises in Europe and had a financial throughput of USD 9 Billion per day during 1996. Helped the country management in strengthening of the O&T organization in Russia which was experiencing tremendous growth in transaction volumes and business.

Pakistan

Created the first premier consumer banking franchise in Pakistan where I led the creation of “Quality Assurance Unit” and “ Common Utilities Unit” to optimize on resources and costs in managing the activities that were common between the Consumer Bank and the Corporate Bank. We also introduced the Centralized model of operations that has been emulated by the industry in Pakistan

Istanbul, Turkey

During the 8 years in Turkey where I initially established the Audit Office, I also held the positions of:• The O&T Head for Citibank Turkey- I managed the development of local staff and some of the team members progressed from Supervisory to Vice President positions during this time. Managed the establishment of the custodial business for stocks. The Global Custodian Magazine rated Citibank as the Best Foreign Custodian. Other business achievements included the setup of Transaction Banking Marketing and Services, which become a very successful Product Marketing Group for the Bank. With the procurement and move into new premises and a migration to new processing software the transformation of the franchise was completed. • Senior Operations Officer of Citibank Istanbul, which catered to the Investment Banking and Corporate Banking. Achievements included development of local staff and managing critical situation when staff turnover exceeded 40% in 1988. • Investment Banking Operations and Risk Management Head - led the product and process design for the Government securities and automated product processing and reporting. Initiated and implemented a professional market and liquidity risk management process for the Bank.

Pakistan

Started my career as an Executive Trainee and got the opportunity to manage the “Paradise Unit” which catered to all the products processed for the prime clients of the Bank. It was a new concept in delivering services tailored according to the customer needs As an audit officer and then Head of Audit for Citibank Pakistan, I earned the Service Excellence Award for my role in automating branch processing. I was also sent to USA to work with Arthur Anderson in creating risk-oriented audit Guidelines for the Division. I audited about 20 countries and acted as a consultant for Citibank Franchises. This role included preemptive risk management and participation in new business initiative and products.