Implement DATA ANALYTICS within the group to raise/un-earth anomalies hidden in BIG DATA within the bank. Devising Continuous Audit steps to ensure focus on Anti-Fraud, monitoring and Risk-Based Methodology. Use Analytics and detect (possible) Frauds as Anti-Fraud analysis. Liaise with AI&BI within ITG to highlight anomalies in the system generated reports as well as point out missing data in CBS in AML/KYC perspective. Select, Develop, build & implement tools to analyze data to improve audit efficiency and effectiveness. Interact/liaise with other audit units for support in their understanding of system-related issues. Representing Audit Group, bank-wide on KYC/AML related issues and suggesting new developments on the same and their implementation as intended by the regulator. CA also conducts independent AML reviews bank-wide and shares findings with all stakeholders for timely compliance. Conducted Investigations, Management Reviews of multiple Departments, Units, Processes in the bank in line with different guidelines by the regulator e.g. Procurement, GSD, vendor management, Outsourcing management, Treasury, HR, CAOD, NOSTRO, HO Reconciliation, Static Data Management, Security, CCG, CAD, etc. Point of contact for Risk related matters e.g. FRMU reporting, ORM, BCP coordinator, and Compliance group on regulatory reporting especially regulatory compliance of AML/KYC requirements.

Responsible to manage the workig of staff in the function. Using DATA ANALYTICS in daily working to achieve desired results. Apply Microsoft Office and other analytics tools for fraud detection, analyze, review findings by teams for compliance of regulatory requirements.

The Continuous Audit is responsible for identifying opportunities to leverage information technology resources to maximize the efficiency and effectiveness of the audits performed by the department, and for working with team leadership to implement these enhancements. The Continuous Audit is also responsible for planning and performing audits covering a broad range of the Organisation's operations to determine if functional areas are conducting operations in accordance with established guidelines, policies, procedures, and governmental and legal requirements.

Worked as Team Leader, basically I have to look into three tasks, Plan, Execute & Report on Branch audits by applying analysis using Microsoft Office e.g. Excel etc.

Dubai Islamic Bank Pakistan Ltd. A 100% owned subsidiary of Dubai Islamic Bank Ltd., UAEs one of the leading bank.Working in Internal Audit Department of the bank ensuring complete adoption of rules and regulations lay down by regulatory authorities and internal controls set out in internal audit and operations manual.Utilizing Risk Based Audit Methodology have to ensure KYC / AML compliant branch operations.Ensure strength and durability of bank’s assets (Financing) with the help of Risk Asset Review methodology.

Working in this firm in her consultancy wing, providing services for Accounts, Audit, Financial Management, Costing, Stock Valuations and SAP Pre/Post implementation consultancy to different clientele of the firm.

Manage work of subordinates in accounts department in following areas;- Being ALCO member (Deputy Sec.) represent Accounts & Finance Department- Manage suppliers payments- Manage Bank related issues- Liaise with banks for LC, bank guarantees, and financing facilities- Manage sales related issues in Financial manner- Manage & Co ordinate with internal audit- Payroll Management- Cash flow management- Daily financial activity reporting to Group President- Finalization of Annual Accounts- Pre implementation evaluation of current as well as new ERP system- Liaise with Purchase department for Supplier related issues

The major tasks and responsibilities includes review of Risk Assets of the Bank i-e mainly Loan Portfolio. The review process consists of • Assist Team Manager in execution of review process covering assurance with Operations Manual and Credit policy Manuals of the Bank.• Review of different branch operations ranging from o Opening of Accounts, assess whether the branch is following all the laid procedures relating to KYC & AML as per bank and SBP rules.o Remittances, assessment of level of procedure application lay down by bank operation manual or SBP.o Cash handling and disbursement related matters and cash prescribed cash procedures adoption in the branch and safety and security of branch cash.• Analysis of asset portfolio strategy and design action plan in accordance with weakness identified and aligning with the business objectives. • Brief comments on staffing and its organization.• Review and identification of the weaknesses of credit appraisal presentation.• Conducting risk recognition and management.• Review credit approval and highlighting the complex facility structure and providing suggestion there on. • Highlighting the weak credit portfolio, complex facility structuring and account behavior. • Review of management information system regarding credit portfolio and its management.• Thorough analysis of the on going account handling and administration. • Brief review of credit and security documentation covering legal aspects.• Review the aspects of the compliance with SBP regulations and internal credit circulars.• Highlighting the material weaknesses and providing recommendations and reporting to the higher management and audit committee for the action. • Brief financial analysis and interpretation of the financial statements of corporate clients in order to identify and highlighting the financial weaknesses and its potential consequences.

• Worked in US Finance Department as Assistant Manager US Finance,• Working in the capacity of Assistant Manager US Finance I was responsible for the Data maintenance of USA based parent “OrthoClear BVI” and subsidiary “OrthoClear Inc, OrthoClear Turkey, OrthoClear Gmbh and OrthoClear Hong Kong.• Handling all income and expenses related matters of USA based sales and marketing team.• Salary disbursement of USA and Canada based Sales team with the help of “PayChex” salary calculating co. in USA.• Budgeting on monthly basis for the coming period and estimation of monthly expenses.• Helping in Sales tax calculation of sales to different States of USA.• Based on ERP system implemented in the company I was responsible to update all the Customer Care department related queries and to their cost estimation.• Calculation and implementation of costing procedures implemented between OrthoClear BVI (parent concern) and OrthoClear Pakistan (Pvt) Ltd.(manufacturing concern).• Maintain parent concern books of accounts using “Peachtree”.• Helped Director Finance in implementing “SOX” for going to be listed in NYSE.• Helped in quarterly calculations of share based payments to employees who were entitles for the same.

• Worked in a Managerial Cadre and handle all accounts matters and taxation matters.• I was responsible for the accounts, Finance, Taxation and Budgeting side of three units engaged in import processing and trading of pesticides. • Headed a team of 6 members who perform different tasks e.g., posting reconciling, gathering payments from parties • I monitor all of their activities and prepare finalized accounts for management review• Prepare and report daily “Receivables and Payables” position to Directors for their review.• Audit of accounts for the preparation of annual accounts

I have been involved in planning, performance, finalization and review of the audits and ERS of following clients during my tenure at M.Yousuf Adil Saleem & Co; Chartered Accountants (member of Deloitte in Pakistan) as Semi-Senior Auditor under training program;• Textile Spinning, Weaving & Composite Units.• Banks, Financial Institutions & NBFC’S.• Leather & Chemicals Industries.• Hospitals & Pharmaceuticals Companies.• Other Manufacturing, Service & Trading Concerns.SPECIAL ASSIGNMENTS (Deloitte Pakistan)I have also been involved in carrying out following special assignments;• Internal Audit of Textile Spinning Unit, Hospitals, Banks & NBFC’S.• Internal Audit Evaluation of Banks Internal Audit Departments.• Financial Restructuring of Industrial Units.• Analysis of financial performance of Industrial Units.• Reconstruction, merger and de-merger of Public Ltd. Companies.• Proposals including financial projections submitted to banks and financial institutions, for restructuring and rescheduling of loans, on behalf of defaulting clients engaged in industries.

Job included carrying out the accounting procedures i.e. Vouching, Postings into Ledger.• Helped in preparation of Final Accounts.• All bank dealings and reconciliations