Muhammad Junaid Email & Phone Number

Lahore, PK

Lahore, Punjab, Pakistan

• Manager Central Bank Rectification (Regulatory Compliance, SBP Correspondence)Manage the day –to-day matters of the correspondence unit, ensuring that all incoming and outgoing communication of Central bank (SBP).
• Scrutinized all high-risk accounts (PEP/NGO/NPO/CHARITY/TRUST etc.) receive fromBranches/Regions/Account processing units for approval of “Group Head Regulatory compliance”.
• Review all and above USD 25000 outward remittances in context of their economic sense, review customer profiles and transaction history, conduct enhance due diligence of the same.
• Review account opened documents in context of KYC and AML
• Identify regulatory and operational gaps and risk in Policies and procedures.
• Resolving exceptions related to Compliance department as pointed out by the external auditors/Internal Audit and working for the resolution.

Karāchi, Sindh, Pakistan

• Review new policies and product programs submitted for vetting and signing-off to ensure compliance with central bank’s regulations, country laws, banks own standards & best international practices. Any change in the.
• Resolving exceptions related to Compliance department as pointed out by the external auditors/Internal Audit and working for the resolution.
• Timely circulation of central bank circulars/instructions to concern departments and follow up for their timely implementation.
• Submission of various information/data requests as received from Regulator, Security and Exchange Commission and others on an on-going basis
• Analyze data obtained for evidence of deficiencies in controls, duplication of effort, fraud or lack of compliance with laws, government regulations and management policies or procedures;
• Risk assessment at branch level & Recommend corrective actions and suggest improvement.

Karachi, Pakistan

Managed a team for the execution and delivery of tasks related to account Maintenance operation of all branches of the SAMBA BANK LIMITED. The entire activities of Accounts of Southern Region, Central and Norther n region branches dealing with Opening of Accounts, their maintenance inclusive of record keeping and provisioning of data/records from branches.

Karāchi, Sindh, Pakistan

 Supervised the department  Scrutiny/checking of all/every type of Accounts Record maintenance, Archiving  Send letters to the customers Courier services tracking Provide guidance to the Branches Provide solutions to the staff of their day to day problems/quarries Co-ordinate with Compliance and legal departments Conducting Pre-Audit exercises .

Karāchi, Sindh, Pakistan

100 % Scrutiny of All types of AccountsAccount Opening on SystemScanning and Amendments send Letter Of thanks to the customers Documentation and Filing Provide guidance to the Branches

Karāchi, Sindh, Pakistan

• Dealing with customer queries
• Account Opening
• Clearing ( Inward,Outward,Intercity,outward bill collections)
• Online Transactions
• Remittances (Pay order,Demand Draft, )
• ATM operations

Mifp (Master In Islamic Finance Practice), Islamic Finance

M.Com, Business/Commerce, General

B.Com, Commerce