Rizwanullah Khan Email & Phone Number

Pakistan

Karachi- Pakistan

Managing a team of AML/Compliance Officers.Specialties:-Bank Secrecy Act/ Anti-Money Laundering (BSA/ AML) Master trainer AML /CDD for staff Pan Pakistan. Master trainer AML /CDD for staff Pan Pakistan. OFAC/UN regulations  Know Your Customer (KYC) Enhanced Due Diligence (EDD) Customer Due Diligence (CDD)• Conduct Compliance Risk Assessment and its monitoring ongoing basis.• Protect Bank against threat of money laundering / terrorist financing and its latest techniques, Identify vulnerable and potential areas of risk and recognise potential offenders, keeping the SBP directives regarding AML measures and suspicious transactions updated all times.• To monitor bank’s AML/CDD policy is effectively implemented by all segments.• Formulate good customer due diligence program, an effective anti-money laundering strategy by utilizing internal IT applications as well as AML software etc • To monitor due diligence process on transactions of bank wide branches by referring exceptional reports and triggers mentioned in PR New Regulation -1 to Regulation -6• Investigate foreign bank queries from concerned branch and evaluate their replies before sending to foreign bank• Responding Foreign/ Local Bank AML/ Questionnaires• To collect information through AML/KYC questionnaire in coordination with FIG from Foreign and Local correspondent banks on their AML/KYC Programs and asses that they meet the requisite minimum standards as per pertinent PR • Putting in place systems and procedures to identify for scrutiny any suspicious customer transaction or group of transactions or change to account activity pattern.• Decision making and / or investigation on large amount/ suspicious/ unusual transactions, when necessary.• Decision making on remittance transactions highlighted by Sanctions monitor.• Submission of reports on suspicious transactions to FMU.

Karachi - Pakistan

PROFESSIONAL EXPERIENCE:• To investigate of suspicious transactions (STR) and report to SBP/FMU/NAB• To assist Head of Compliance in Regulatory developments and managing the requirement across the bank.• To make final decision for closure or STR on AML cases recommended by AML team. Also to provide timely consultation to AML team wherever required, particularly on cases referred within AML system To ensure timely review of alerts through AML system by AML team, escalation of un-responded cases etc and timely closure of cases.• To manage and drive Top 100 Depositors of the bank process and execution.• To manage team performance and review the task assigned to them are properly managed.• To collect information through AML/KYC Questionnaire in coordination with FIG from foreign and Local correspondent Banks on their AML/KYC programs and asses that they meet the requisite minimum standards as per pertinent Prudential Regulation. • To ensure timely submission Cash Transaction Reports to FMU and respond their queries if any • Prepare/review/analysis Suspicious Transaction Report and submit to FMU after input of Head of Compliance.• To supervise Compliance reviews of AOFs/CDD and other relevant documents at ASD and prepare report for Head of Compliance and concerned segment.• Prepare recommendations for improvement in monitoring assignment keeping in view the international AML measures/trends.• Guiding AML team and other staff and responding their queries through formal and informal communication.• To impart AML training to Bank staff and ensure that Class Room as well as CBT is being imparted to all concerned.• Assist to Head of Compliance in Preparation and implementation of compliance program under regulatory requirement.

Karachi

Responsibilities  To review customer’s transactions/ Account activities from a money laundering perspective  To monitor AML alerts and investigate Suspicious Transactions by gathering information/ obtaining justification from business  To monitor the daily & monthly large cash transactions report is reviewed and that the unusual transactions are justified.  Ensure that account opening discrepancies are logged properly and followed up for the closure. Oversee periodic review of the adequacy of KYC documentation and ensure its all contents/fields completeness. Attend and reply to all AML regulatory related queries received from competent authorities. Approving Trade Finance related transactions in accordance with US-OFAC, UN, EU, Central Bank Sanctions and internal Compliance policies. Timely Reporting of suspicious transactions activity to Management. To prepare STR if required and submit the same to Head of Compliance for comments/feedback and concurrence  Conduct investigations of clients or potential clients to detect possible violations of the Central Bank of Pakistan instructions Provide guidance and training on AML/CDD & sanction to concern staff members. To provides data driven recommendations on AML related issues and their solutions i.e improvement in processes Prepare comprehensive report based on monitoring/investigations for Head of compliance identifying therein AML trends and patterns. On-site Quarterly review of AOF Documents & KYC forms (All Segments) review. Respond Queries raised by FMU  To maintain branch wise record of investigation. Lead different projects assigned by Head of Compliance such as Core banking system change request by adding new KYC field.

Karachi

As an Auditor from May 2002 to December 2004 Main Branch Karachi. (South Region)As a resident Auditor from January 2005 to June 2006 (Shah rah-e-Faisal / Korangi Road & Defence Branch.)ResponsibilitiesLooking after the complete affairs of branches as assigned by the Chief of Audit for resident auditor specifying the following.Checking of Account Opening Forms.Daily Vouchers Transaction.Pre audit Expenditures.Physical check once in month (Security Stationeries, Stamps on hand and Cash).Daily movement sheet (Funded and non Funded).Checking of Excess over limit.Pre audit Fresh Advances.Monthly report submitted O/Standing mark up details.Checking of all consumers finances.A detailed submission of monthly report to the audit & implementation division.Completing the Special assignment as per instruction of Audit & Imp Division.

Karachi

TRAINING/COURSES Attended various Courses / Training / Seminars / workshops  SilkBank Master Trainer 2013 & 2014 One day IBP Workshop on 'Detection, Analysis and Reporting of Suspicious Transactions'(The Institute of Bankers Pakistan April 2013) Two days ICIL Workshop on AML/KYC/CDD Training to Bankers Marriot Karachi 07rd & 08h November 2012) One day Workshop on Analysis of Suspicious Transactions (The Institute of Bankers Pakistan March 14 2012) Two days Workshop on KYC & AML Specialist (The Institute of Bankers Pakistan Sep 23rd 2011) One day Workshop on Detection and Prevention of Bank Fraud (Marriot Hotel Karachi Jan 15th 2011)  One day Training AML/KYC (IBPP) 2010 One day Workshop on Suspicious Transaction (STR) (Marriot Hotel Karachi 08th July2009) Two days Workshop on KYC & AML(The Institute of Bankers Pakistan March 2009 One day seminar on Compliance Management: Controlling Risk and Improving Effectiveness. (Pearl Continental Hotel, KARACHI 20th Dec 2008) Two days Workshop/Seminaron Risk Management&AML(Marriot Karachi Sep07) Two days Workshop on KYC & AML(The Institute of Bankers Pakistan Aug 2007) Islamic Banking and Finance (The Institute of Bankers Pakistan) Credit Management (SPCB Staff Training Development Centre Lahore) Effective Credit Management (SPCB Staff Training Development Centre Lahore April 27 2005)

Karachi

Institue of Chartered Accountants of Pakistan Chartered Accountant - Intermediate, Advanced Financial Accounting, Management Accounting, Economics, Audting, Commercial Laws .The of Institute of Chartered Account Pakistan Four (4) Years article ship completed Ford Rhodes Robson Morrow chartered accountant (Represent EARNEST & YOUNG ORG). Financial Institution (1994 to 1999)• Habib bank A.G, Zurich.(Karachi, Lahore & Faisalabad Branches)• Metropolitan Bank Limited (Karachi, Lahore, Faisalabad & Sialkot Branches)• ABN Amro Bank ( Avari Tower Branch Karachi) Major ResponsibilitiesChecking/Verification of Fixed Assets, Deposit, Operating Expenses, General Banking & Account Opening Forms