* Daily review of Agents Wallet account cases on Level 0 & 1 in MICROBANK system.* Review cases of Customer’s accounts on Level 2 with physical file documents attached & escalate discrepancies to the sales team to resolve which later approved or reject by Operations team.* Monitoring KYC review and CIF account opened by Operation Officer on daily basis.* Review of Check book & ATM card issued to the sales team on behalf of BLB customers via authority letter.

* Responsibility for review the control functions of all departments related to Centralized Operations & Information Technology.* Participate in developing and finalizing checklist for ICU reviews for centralized areas.* Prepare yearly plan for conduct of ICU reviews of high risk areas for finalization.* Monitor and guide the team and provide technical assistance and if necessary work support where required.* Review & Finalize ICU reports and discuss the same with the team and the stake holders.* Internal control significant and regulatory issues are highlighted and segments advised corrective measures.* Prepare executive summaries/significant issues of ICU reviews for presentation to Group Head of Operations & Technology.

* Ensured suspicious & discrepant cases are identified, assessed and mitigated with standard procedures and processes.* Managed the Call Back Unit (CBU) team, evaluate their day to day performance and provide timely guidance to get effective results in timely manner.* Maintained CBU database for record keeping, Audit & MIS purposes. * Based on the customers feedback timely suggests appropriate actions for handling of issues identify & discuss process gaps and escalate to Operation Head for an early resolution.

* Ensured the Fraud Risk Management framework is effectively embedded and communicated across Retail Customers segment.* Developed a proactive, independent, balanced and a fraud risk awareness culture within the organization.* Developed effective Fraud Risk management strategies and timely deploy these strategies across products and channels* Developed a collaborative relationship with regulators, peer banks and Fraud Risk industry forums to help detect and mitigate fraud.* Developed and maintain fraud management capabilities, skills and infrastructure related to compliance with both internal policies and external regulations and are responsive to fraud attacks.* Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.* Encourage and promote an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviors and accountability.* Review the reports of Vigilance all branches country wide on monthly basis and set parameters to increase or decrease sample side accordingly.* Coordinate with Local Police, Banking Federal Investigation Agency, State Bank of Pakistan, Federal Ombudsman & National Accountability Bureau for financial crimes monitoring and control

* Daily analyze and review Credit Initiation cases of Personal Loan & Credit Cards. * Upgrade and Increase Credit limit of the cases submitted through various channels i.e. branches, direct marketing, telesales and customer services.* Coordinated with Central Bank for the cases to check the credit history and debt burden of customers according to the policy procedures.* Ensure to maintain Service Quality standard and key control of the department * Support department head to monitor and ensure that all service indicators are met on daily / monthly basis for improvement.* Coordinated for the credit quality of Initiation in line with the agreed risk appetite, ensured procedures laid down in credit policy are followed at all times and adopt a process of continual improvement for all credit consideration processes in order to minimize risk.* Implement a culture of sharing best practice and knowledge across the underwriting team and carry out regular performance reviews on behalf of direct reports and identify and implement training requirements to allow colleagues to develop to their maximum potential.

* Ensured credit policy standards, approved procedures for Credit Initiation and pricing parameters are followed on processing applications of all consumer products.* Supported department Head in identifying any potential risk in internal process & provide recommendation to improve management and process decisions from Fraud control perspective.* Involved in project plan for launching Personal Loan & Debit card with the business team.* Supervised External Agencies report and evaluating risks mentioned by legal, income estimation and property evaluater.* Coordinated with Product Manager and Risk Management for Credit Quality Policies and assembled * MIS’s format for representing working and reflecting affairs managed.* Reviewing daily MIS reports of Collections/Recovery, Credit Initiation Unit Fraud Risk Management Unit and External Agencies Management Unit Verifications to check the indicators. * Develop, track & monitor the daily Consolidated Documentation and Compliance Status Reports* Ensured that the Bank is adequately protected at all times through complete, valid, continuing and legally enforceable documents offering valuable consideration for the approved facilities.* Ensured that credit approval is properly reflected in the facility documentation and it follows the credit policies as amended from time to time, for review and agreement with relevant business unit before the documents are finally released to the customer.

* Developed, implemented and validated fraud strategies to reduce fraud losses of the bank.* Involved in project plan for launching Autos, Mortgage, Revolving Credit & Debit card with the business team.* Ensure that Investigation processes and services are conducted properly and effectively without scarifying risk and in accordance with policies, procedures and International Visa/MasterCard regulations.* Reviewed Vigilance/Investigation reports of Retail banking and Consumer products.* Monitored and reviewed debit cards and merchant activities for fraud detection.* Created Primed probable reports about the areas for analysis purposes, with extracted report from Visa end.* Coordinated with external agencies (Local Police, Banking FIA, State Bank of Pakistan, Federal Ombudsman) for financial crimes monitoring and control.

* Monitored and reviewed credit cards and merchant activities on daily basis for early detection. * Supervised the decisions to comply with the policy of Auth Dept & Visa/Master Association.* Developed understanding about the modus operandi of the different fraud types, and takes timely and appropriate response within the detection process to mitigate the fraud risk exposure.* Monitored merchant activity against volume and value resulting in merchant terminalization and reduction in voice authorization* Reviewed of existing policies and procedures of Visa/MasterCard regularly to keep abreast with the new trends of fraud and its types.* Maintained and supervised monthly/quarterly (DCFC) Departmental Control Function Checklist and (COB) Continuity of Business.* Coordinated with both switches (1-link & M-Net) in order to resolve the ATM claims.* Conducted and supervised self-assessment/testing of FRMU/Authorization functions

* To ensure premium service to Merchants and Customers during incoming voice authorization calls and to proactively manage credit card fraud by identification of fraudulent transaction.* Initiation and implementation of country authorization News Letter as a productivity report.