Rajesh Kumar Email & Phone Number

Karāchi, Sindh, Pakistan

Pakistan

Karachi

Regulatory Inspections & Audit – International Compliance, responsibilities include:Governance and Monitoring of regulatory and compliance related aspect to avoid their breaches. Review of responses in line with regulatory aspect on compliance related breaches/ observations issues highlighted by Regulatory Authorities at HBL overseas branches.Tracking and Monitoring of Regulatory and Audit Responses given by respective overseas branches.Review of Regulatory reports including Time Bound Action Plans and Executing Summaries part of Information pack for Board Compliance and Control Committee and Board of Directors.Review regulatory inspection reports / Internal audit reports of compliance department for HBL International locations.Provide support to Overseas Compliance units on Compliance-related matters and engage with them on any Head Office driven compliance initiatives to ensure strategic development of the Compliance functions.Tracking and closure of queries raised through Audit observations to strengthen the compliance function in close coordination with Country’s compliance team.Review the monthly Compliance Performance Reports (CPR) of overseas branches and subsidiaries; onward reporting to senior management and Board Audit Committee through quarterly CPR to ensure timely escalation and resolution of regulatory and other audit observations and also to gauge other developments on the regulatory environments of these countries.

Karachi

Regional Compliance Manager of South Region 10 branches include responsibilities:Visit of the branches assigned in the region at least once in a month with more visits for the branches having higher risks, including offsite support as & when required. Ensure maximum spot rectification of the noted observations during branch visit and discuss the reasons of the noted observations with BM/OM/RM to ensure its mitigation in future.Ensure rectification of observations raised by Audit and internal control onsite review teams and make efforts for improvement in Branch audit ratings. Coordination with All departments within bank to support branch to rectify audit observations and addressing control gaps identified.Have close co-ordination with branches during internal audit, risk/Compliance reviews and SBP inspections. Attend the exit meeting in person.Reporting to the Head of Compliance at least on monthly basis:Gaps noted on the branches including status of compliance.Serious observations/areas in the branches to be attended on priority basis.False compliance of observations including names of responsible staff.Recommendations to RM/HO for improvement in Branch operations.Provides knowledge support and guidance to the branches on all operations related matters. Make an analysis of staff competency and convey their training needs through RM to training. Provide feedback to RM/AM for appraisal of branch operations staff including BM.Attend monthly BM/AM/RM level meetings as applicable.Conduct interviews for operation staff hiring as a member of hiring panel as advised by HR from time to time.

Karachi

My last assignment at big branch North Nazimabad supervised six teller and one CSM included responsibilities:•Managing the teller function in the branch to ensure delivery of quality service to customers.•Maintenance of operational controls and continuous improvement in operational efficiency. •Approval and supervision of daily transactions relating to cash and cheque deposits/withdrawals including clearing and collection items, encashment from FCY a/c’s and maintenance of Cheque Deposit Box. •ATM Management including captured card & dispute resolution.•Ensuring that departmental activities are carried out strictly in accordance with the laid down procedures/processes, and SBP Compliance guidelines. •Monitoring interim/daily limit excess reports and taking immediate action for resolution of overdrafts. •Maintenance of Key Registers. •Provide Support to BM/FM/PFC to streamline the process of daily/monthly AML reports monitoring.•Ensure compliance of KYC/AML policy & procedures in accordance with Group Policies & Local Regulatory Policies by every staff member. •Timely and accurate preparation/submission of all returns including KRIs, KCS to, Finance, SBP and others as directed by the Regional Operations Manager. •Maintain and record Fixed Assets of the branch.

Karachi

My last assignment at Jodia Bazar Branch responsibilities:Supervision of inward / outward, intercity clearing, OBC & IBC lodge & realization, funds transferred, stop payment cheques, remittances i.e. pay order and demand draft.Account Opening Foreign currency and (PKR), Re-Active Dormant and Close of Accounts with legal formalities.Daily balancing & monthly reconciliation of DD, PO, Pay Slip, OBC, IBC, TT, ATM cards e.t.c.Review of M.O reconciliation and suspense accounts according to head office queries.ATM Management including captured card & dispute resolution.Responsible for audit and complianceSupervision of Junior Staff.Resolve issues and queries rise by the customer regarding operation level.Checking of Reports on the daily basis for tracking of errors on a spot audit basis.E-Form Verifications.Reporting Withholding Tax Deductions to SBP.SBP FE Returns Monthly Reporting (ITRS).Export Refinance Loan under Part I (Pre/Post Shipment) and Part II Lodgment and Retirement and reporting of Quarterly statement of Refinance. Issuance of E-Form and maintenance of Proper record of E-form issuance and follow up with Exporter regarding timely submission of shipping documents. Dealing with Treasury regarding Rates and daily Foreign Currency position reporting at end of the day.Work distribution among team membersPreparation of monthly and quarterly statements of Exports for onward submission to head office and State Bank of Pakistan.Monitoring of all Export Activities according to UCP 600, URC 522, and URR 725 & SBP FE Manual & Foreign Trade Exchange Regulation Act 1947To do self-audit on monthly basis and before handing over to the auditors. Advance Payment of Export. Local Bills Discounting.Duty Drawback Claims processing of Exporters of Textile Goods.Establishment of Letter of Credit and Registration of Contract, Shipping Guarantee.

Mba, Banking & Finance

M.A, Economics

Diploma, Information Technology

3 Year Diploma in Computer Science In Software Engineering Certification as fallows CPISM (Certificate of Proficiency in Information.

Bachelor Of Commerce (B.Com), Commerce

Higher Secondary College, (Science)