Khaled Bin Kamal [Cerm, Cfc]

Khaled Bin Kamal [Cerm, Cfc] Email and Phone Number

SVP and Head of Internal Conrol and Compliance @ Nagad
Dhaka, BD
Khaled Bin Kamal [Cerm, Cfc]'s Location
Dhaka, Bangladesh, Bangladesh
Khaled Bin Kamal [Cerm, Cfc]'s Contact Details

Khaled Bin Kamal [Cerm, Cfc] work email

Khaled Bin Kamal [Cerm, Cfc] personal email

About Khaled Bin Kamal [Cerm, Cfc]

Khaled Bin Kamal is an active agent for value creation and protection. He has 19 years of experience in creating sustainable value for both local and multi-national organizations e.g. BRAC Bank Limited, Standard Chartered Bank, Nestle Bangladesh Limited, Unique Group, Unique Hotel & Resort PLC, Walton Hi-tech Industries PLC, DBL Group & Nagad Digital Bank in the area of: -Corporate Finance & Treasury -Risk Management Strategy -Internal control and compliance -Audit and Assurance-Business Continuity Mgt-Corporate Strategy -Project management -Business Process Review (BPR)-Process Engineering -Automation & efficiency -Training & Development -Corporate Communication He holds MBA from IBA, University of Dhaka with excellent record (3.86 out of 4 scale). He did his graduation in Business Administration with the major of Finance & Banking from FBS, University of Dhaka with excellent record (3.85 out of 4 scale). He has graduated in March 2011 of ADIFC (Advanced Diploma in Financial Consultancy) towards CFC (Certified Financial Consultant) designation which is global professional certification by IFC chartered in USA and Canada.He is an affiliate member of Institute of Management Consultants of Bangladesh, a member of ICMCI- the only authorized governing body in Bangladesh for management consultancy.He’s a benevolent servant who likes to think, work and instill positive thoughts for the development of the society and country. With that intent, he became ‘contributor reviewer’ of a virtual think-tank ‘Ideas for Development’ (www.ideasfd.org). In this role, he adds value by providing recommendations, suggestion on national and international policies for the better & livable society, country and world.He’s a CERM (Certified Expert in Risk Management) which is a global certification program on risk management, administered by Frankfurt Business School, Germany.He likes Content Writing- a certified content writer/creator. He has his own Blog, YouTube channel, social media page . His other key interests are affiliate marketing, SEO, AI, Machine learning & digital entrepreneurship & agri-entrepreneurship. He has an aspiration to become an epoch maker in the areas of agriculture based entrepreneurship.Apart from professional aspect he’s a sports lover. He likes to spend time with his friends & families. He travels a lot.

Khaled Bin Kamal [Cerm, Cfc]'s Current Company Details
Nagad

Nagad

View
SVP and Head of Internal Conrol and Compliance
Dhaka, BD
Website:
nagad.com.bd
Employees:
1366
Khaled Bin Kamal [Cerm, Cfc] Work Experience Details
  • Nagad
    Svp And Head Of Internal Conrol And Compliance
    Nagad
    Dhaka, Bd
  • Nagad
    Svp & Head Of Risk Management
    Nagad
    -Overall risk management of digital bank as per regulatory guideline & bank's policy
    -Participate in preparing risk strategy of the bank
    -Help management to enact forward looking risk management culture within the bank
    -Report board with required risk triggers ,red flags in business & operations
    -Review various policies ,processes ,campaigns and make necessary amendments
    -ICAAP, STRESS TEST, CRMR,MRMR etc.
    -BASEL compliance
  • University Of Dhaka
    Guest Lecturer
    University Of Dhaka
    Dhaka, Bangladesh
    Courses taught in MBA
    1.Financial Statement Analysis for Banks
  • Indepedant Researcher And Consultant
    Independent Researcher
    Indepedant Researcher And Consultant
    Dhaka, Bangladesh
    Google Scholar Page- https://scholar.google.com/citations?user=PtkcCO0AAAAJ&hl=en&oi=ao

    Have been keen in research activity , particularly in the area of Finance, Sustainable finance, climate risk, sustainable business, Corporate Governance, Risk Management etc.

    1. Research Paper title- Do Gold, Oil, Equities and Currencies hedge economic policy uncertainty and Geopolitical Risks during Covid Crisis? Published in Resources Policy (Ranking: ABS-2, ABDC-A),Volume 78, September 2022, 102920

    2. Research Paper title-Relationship between FDI and Environment: Evidence from Emerging Countries. Published in Bangladesh Development Studies ,Vol. XXXIX, September-December 2016, Nos.3&4

    3. Research Paper title- On the potential hedging instruments against central bank digital currency uncertainty and attention indices. Published in Asian Economics Letter,Vol. 4, Issue Early View, 2023

    4. Research Paper title- Effects of economic uncertainty on the asset quality of banking sector: Evidence from a developing country. Published in Journal of Developing Areas (Ranking: ABS-1), Vol. - 58, Number -1, Winter 2024

    5. Research Paper title-Biodiversity risks in commodity markets. Submitted in journal & under review

    6. Research Paper title-Recommendations on COVID-19 Stimulus Package of the Government of Bangladesh. Published in virtual think tank 'Ideas of Development (ideasfd.org)'

    7. Research Paper title-Absence of Synchronization in Bangladesh's Education System. Published on April 14, 2012 , in virtual think tank 'Ideas of Development (ideasfd.org)'
  • Ideas For Development
    Co-Founder
    Ideas For Development
    Virtual Think Tank
    Ideas for development(www.ideasfd.org) is a virtual think tank, aiming to supporting government, regulator, donners, private organizations & other stakeholders by sharing effective ideas, recommendations, suggestions, directives & guidelines to address different critical concerns, challenges of the businesses.

    My Major responsibilities here:
    1. An expert reviewer of policy papers/research papers/analytical notes/Idea notes which are to be published at IFD platform.

    2. As a reviewer of a paper, I am responsible to review, edit and translate paper content before they get published.

    3. A part time contributor at IFD. My first article published at IFD is on education system of Bangladesh.
  • Dbl Group
    Dbl Group 2023-12 - 2024-04
    Bangladesh
    Senior level risk ombudgement for the group to look after enterprise wide risk and manage all key risks in line with approved risk management policy and appetite.

    Achievement:
    -Risk management policy for the group
    -Risk management framework
    -Risk Profile of the RMG segment
    -BCP policy
    -Proposed org chart for risk management team
  • East West University
    East West University 2022-09 - 2024-02
    Dhaka, Bangladesh
  • Finexp Consultants
    Finexp Consultants 2023-01 - 2024-01
    Dhaka, Bangladesh
    Full -fledged financial and management consultancy for both emerging and mature companies with cutting -edge & time-befitting solutions and expertise
  • Walton Group
    Walton Group 2023-07 - 2023-12
    Dhaka
    -Financial strategy, planning & execution
    -Embed Treasury solutions at Treasury
    -Financial Risk Management
    -Optimal financing portfolio
    -Balance sheet restructiring
    -Liasion with banks, FIs, regulators
    -Leadership role in managing 18 memebr team

    Achievment:
    *Net Profit -BDT 138 Cr in Q2,24FY- positive net profit in Q2,24FY was largely contributed by lower Finance cost (reduced by 26% YoY , which was real tough job to concede)
    *Building sufficient cushion for FX loss in product costing so as to avoid unexpected shock.
    *As a proactive risk mgt measures, arranging low-cost finances of BDT 1000 Cr to safeguard agianst unexpected loss during election period
    *Enacted cash mgt products/treasury solutions to streamline cashflow management
  • Unique Group
    Unique Group 2023-01 - 2023-07
    Dhaka, Bangladesh
    -Internal control and risk based audit function
    -B&M strategy of the company and support CEO to execute B&M agenda of the company
    -Research & development function
    -Business strategy for all SBUs
    -Review the feasibility of different new business
    -Perform thorough feasibility of current project
    -Highlight key business and economic indicators to MANCOM team for business decisions
    -Support CEO to drive different agenda relating to Family TRUST Office

    Key Achievements:
    -Formed Research & Development Function
    -Reviewed & optimized Internal Audit Framework
    -Recommendations on core business strategies
    -Launched 'GEM' to promote rewarding culture
    -Actively participated in 'Revitalized HR Strategy'
    -Assisted in Brand & Marketing Strategy
    -Acted as shadow CEO to Group CEO to execute various projects including Project NIMBLE, Project EXPLORE (Exponential , Lasting & Outstanding Revenue Effort)
  • Brac Bank Limited
    Brac Bank Limited 2020-03 - 2023-01
    Dhaka, Bangladesh
    Responsible for managing enterprise wide risk e.g. credit risk, liquidity risk, operational risk, money laundering risk, fraud risk, other financial & non-financial risk of BRAC Bank as 2nd line of defense & ombudsman. The portfolio I had to mange was then $ 3.5 Billion Asset, $2.5 Billion Liability, 10k resources, a network of 187 branches, 450 ATMs, 1000 Agent Banking & finally a client base of 1.5 Million Clients
  • Standard Chartered Bank
    Standard Chartered Bank 2015-01 - 2018-06
    Gulshan Avenue, Dhaka
    1. Managing Operational risks for retail bank segment with the tools, guidelines, policies & procedures provided by Group operational risk team of the bank

    2. Responsible for risk culture, training, awareness, socialization, risk governance. risk committes etc.

    3. FATCA (Foreign Account Tax Compliance Act) championing for Retail Banking

    4. Championing Canadian Tax Act project , CRS (Common Reporting Standard) Project for Retail Banking

    Key Achievements:

    1. Successful roll out of FATCA (Foreign Account Tax Compliance Act) and corresponding policies and processes, systems and infrastructure in Bangladesh, Retail Clients


    2. Successful roll out of Canadian Tax Compliance Act and corresponding policies and processes, systems and infrastructure in Bangladesh, Retail Clients

    I was the project leader of this roll out project.

    3. Launching Islamic Banking KCSA (Key Control Self Assessment). It was ever first set of KCSA for Islamic Banking Products. Before that no one even think of this
  • Nestle Bangladesh Limited
    Nestle Bangladesh Limited 2005-07 - 2005-10
    Nestle Bangladesh Ltd was my first employer & I was pretty much excited with the environment of the company.It was simply spledid! .

    1.I was looking after Taxation issues of company including staff tax, AIT,VAT& others

    2.I had to deduce the prices of product which was the key to assessing financial statement, forecasting, budgeting etc

    3.I was assigned with handling compliance issues with various vendor & external affairs as well
  • Standard Chartered Bank
    Standard Chartered Bank 2005-05 - 2005-07
    Being an Intern at 'Credit & Collection Unit', I got to learn a lot of basics on credit assessment.That was basically my intro to corporate arena

    Key Responsibilities
    • Analyzing bank statements provided by loan seekers for following types of loans:

    > Flexi Loan.
    > Personal Loan.
    > Islamic Personal Loan.
    > Business Finance Loan.

    • Assessment of income level of loan seekers to assist credit analyst for analysis/approval of credit profiles.

Khaled Bin Kamal [Cerm, Cfc] Skills

Risk Management Banking Team Management Operational Risk Management Portfolio Management Financial Analysis Retail Banking Management Internal Audit Corporate Finance Finance Financial Modeling Business Planning Microsoft Office Strategic Planning Credit Mis Auditing Project Planning Budgets Fraud Risk Analysis Policy Analysis Money Laudering Risk Analyst Data Analysis Access Budgeting Change Management Social Networking Teamwork Strategic Financial Planning Process Engineering Process Development Distress Mangement Financial Planning Policy Making Freelance Writing Creative Concept Development Creative Strategy Online Research Database Design Presentation Development Mentoring Crisis Management Blogging Governance Innovation Quality Assurance Problem Solving Writing Sql

Khaled Bin Kamal [Cerm, Cfc] Education Details

Frequently Asked Questions about Khaled Bin Kamal [Cerm, Cfc]

What company does Khaled Bin Kamal [Cerm, Cfc] work for?

Khaled Bin Kamal [Cerm, Cfc] works for Nagad

What is Khaled Bin Kamal [Cerm, Cfc]'s role at the current company?

Khaled Bin Kamal [Cerm, Cfc]'s current role is SVP and Head of Internal Conrol and Compliance.

What is Khaled Bin Kamal [Cerm, Cfc]'s email address?

Khaled Bin Kamal [Cerm, Cfc]'s email address is kh****@****ank.com

What schools did Khaled Bin Kamal [Cerm, Cfc] attend?

Khaled Bin Kamal [Cerm, Cfc] attended Institute Of Business Administration, University Of Dhaka, Frankfurt School Of Finance & Management, University Of Dhaka, Institute Of Business Administration, University Of Dhaka, Institute Of Financial Consultants (Ifc), Institute Of Management Consultants Of Bangladesh, Notre Dame College, Mohammadpur Govt. High School.

What are some of Khaled Bin Kamal [Cerm, Cfc]'s interests?

Khaled Bin Kamal [Cerm, Cfc] has interest in Net Surfing, Health, Children, Environment, Education, Science And Technology, Human Rights, Creative Thinking Etc, Animal Welfare, Civil Rights And Social Action.

What skills is Khaled Bin Kamal [Cerm, Cfc] known for?

Khaled Bin Kamal [Cerm, Cfc] has skills like Risk Management, Banking, Team Management, Operational Risk Management, Portfolio Management, Financial Analysis, Retail Banking, Management, Internal Audit, Corporate Finance, Finance, Financial Modeling.

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