Muhammad Ajmal-Cpa,Fpfa Email & Phone Number

Multan Layyah Punjab

Okāra, Punjab, Pakistan

Managed the overall Branches Portfolio & Operations at the Regional Level, implementing efficient operational strategies & procedures, for Internal Controls, Risk Mangement, IT Security and Business Continuity Management comprises: RCSA, ICFR, KRIs, and KPIs. Digital Transformations, Digital Banking (MW), Collateral Management and various projects (T-24, Achieving, Digital Lending, Business Products) Managed comprehensive risk, compliance, and security operations encompassing SWIFT, SBP, CBB, ISO standards, ensuring internal/external audit readiness, and overseeing enterprise-level compliance while demonstrating leadership and expertise in information security and regulatory standards.Assessed branches' performance, provided staff guidelines & support, conducted trainings for high-quality service delivery. Regularly reviewed operations, identified risks, and suggested areas of improvement. Collaborated with internal departments for seamless execution.Analyzed market trends, customer feedback, and competition to identify business growth opportunities. Maintained effective communication and collaboration with senior management and served as a liaison between branches and head office for information conveyance, issue resolution, and coordination.Achievements: Recognized for Appreciations towards extraordinary contribution and error less accomplishments. Completion of various Trainings at KYC-AMLFTC, Compliance, Sanctions Policy, SBP Prudential Regulations, KYC / AML for Frond and Second Line” etc.

Okara District, Punjab, Pakistan

Drove for over 5 years a significant team of 90 plus fellows from 14 locations of the Region and built aconstant framework with consecutive 100% yearly achievement.Maintained and improved positive business growth as per defined process of the organization up to140% percent of the assigned goals and main area of growth was including the Business Pillers (ENR,GLP, NLP, PAR Control, Recoveries & Profitability)Muhammad Ajmal - page 1Also drove some of piolet products with 100% achievement to extend business growth areas.Conferred multiple Recognitions and Awards against desired achievements of Business Goals.

Okara District, Punjab, Pakistan

Managed the daily Branch Banking Operations for 14 locations and established internal controls,implemented policies to achieve the business goals error less. Some of the assignments were to assignstaff JDs, Performance Evaluation, Goal Settings, KPI and KRI Analysis, Set RCSA for Errorless BranchBanking Operations at Branches.Drove the Operations Team for 30 plus staff members in the Area andmodified some of measurable impacts for Staff Trainings, Customer’s Services,Cash Management, Clearing Accounts, Disbursals/Collections Start & Close of Business, DTLs, AuditTrails (Internal-External-Regulators), Branches Administrations & Security, Risk Mitigations, DigitalBanking, Insurances etc. for smooth Branch Banking Operations.Achieved Very Good & Excellent Audit Ratings along with overall requirements for 100% achievement.Achieved Error Free Accomplishment Award of Region (For Error Less Branch Banking Operations ofthe Region for 14 Branches for Supervising 35 Staff Members.

Lahore, Punjab, Pakistan

My responsibilities were to manage and to make sure the followings:Documentations for Export and Import Shipments, & Discounting of Export Bills with Banks, Letter ofCredit Management (local & International), Freight Forwarders, Customs Clearance, Manage Importand Export Shipments, Logistics Arrangements, Daily Funds Position for Export & Local Sale.and were to make liaison with all stakeholders like EPB, CCI, CBR, SECP etc.Contributed and executed all with smart business management approach and error Lesly.Recognition & promotions from Officer to Assistant Manager is an integral part of my career.

Graduate, Advance Finance / Cost & Management Accounts, Taxations, Corporate Laws, Qualified - Certificate Public Accountant

Activities and Societies: Member of ICAP, ICMA and AGP and Fellow member of IFAC

B. Com, Finance, Accounts And Banking, Pass

Activities and Societies: Govt Islamia College of Commerce Lahore - University of PunjabBanking, Accounting, Finance

Intermediate In Commerce, Accounting And Business/Management, B+

Activities and Societies: English Type Writing, Business & Finance, Business Communication, Corporate LawsQualified in 1994 Major.

Matriculation, General Arts Group, B+

Activities and Societies: General Science Group

Cpa, Accounts And Finance, Qualified