Umer Ijaz Email & Phone Number

Lahore, Pk

Lahore, Punjab, Pakistan

To overall manage and supervise the working of Field Compliance Staff, Quality Assurance Unit and Evaluation & Training Teams from Compliance Risk Review perspective.

Pakistan

Supervised and managed teams of Internal Control Unit i.e. Field Compliance Officers, Fraud Risk Management and Branchless Banking. Focal reviewer for policies/SOPs vetting forum from Compliance functionSupervisor and report writer for HO/Managerial reviews. Provided necessary guidance regarding regulatory requirements and daily tasks.Identified control gaps and suggests remedial actions.Focal person from Compliance in Vetting teamLiaison with stakeholders Attendee of key Managerial meetings i.e. CCM, Procurement Committee, Management Internal Control Committee, User Access Rights Committee etc. Report writer, Critical Thinker and Decision Maker

Lahore, Pakistan

Key Member of Dedicated Team for developing and implementing the CRM framework as per SBP guidelinesComprehensive and meticulous On-site & Off-site Compliance Risk Review of Conventional and Islamic branches/Units to assess Operations / Credits / centralized functions like Foreign Trade, Account Opening, Consumer Banking, Complaint Management etc. (Central & North Regions) to ensure strict Internal controls w.r.t. Bank’s internal SOPs, Procedures and Regulatory Instructions / Regulations▪ Review of Big branches for assurance of ‘Internal Controls over Financial Reporting / Risks & Controls Assessment’ through application of bank’s internal tests / checks w.r.t. Ops, F.T., Credits, Agri loans▪ Reporting of suspicious activities / high risk matters and highlighting the policy gaps to the higher management to mitigate prospective financial loss or reputational risk▪ Discussion of Compliance Risk Review observations with branches and concerned authorities for timely resolution of highlighted issues▪ Assisting the Line Manager in finalizing review reports and to make strong follow up with branches for the rectification of compliance observations▪ To conduct inquiries as an Inquiry Officer for disciplinary matters.

Karachi, Pakistan

▪ On-site inspection of Financial Institutions (Commercial Banks, Microfinance Banks, Development Finance Institutions (DFIs), Islamic Banks and Exchange Companies) to examine allocated risk areas by using the CAMELS framework▪ Examined banking Operations, Credit (Corporate, Commercial, Consumer and SME ), Foreign Trade, Capital, Earning, Liquidity, Corporate Governance etc. in light of the SBP’s Prudential Regulations and circulars▪ Worked in close coordination with the team members throughout the inspection process, in order to ensure mutual and efficient exchange of information relating to inter-linked areas▪ Investigated the fraudulent cases/complaints reported against Financial Institutions/customers▪ Assisted Inspector In-charge / team members during discussion with the management on Points of Contest of the Draft Inspection Report and record proceedings of the meetings▪ Conducted thematic inspection for focused areas like Service Quality, AML/CFT or as required.▪ Examined the loans write-off cases▪ Worked in the ‘Research and Development Division’ of the department for reviewing and giving comments/feedback on several upcoming circulars, regulations, guidelines and instructions to be issued by SBP or external stakeholders.BSC, LAHORE OFFICE (Nov 2014 to June 2015) To scrutinise and process the grants for Export Refinance by commercial banks. To scruitnise and process the long term refinance (LTFF) grants by commercial banks. To evaluate the documents related to shipment and export proceeds under EFS. To process and update the revised limits of banks under EFS and LTFF schemes. To process the markup subsidy cases for commercial banks under EFS. To conduct on-site monitoring and examination of cash at commercial banks.

London

Assisting customers on shop floorsMerchandisingStock ReplenishmentCash handling/ Till ManagementOrders Placement

Gujranwala, Pakistan

Worked in operations and credit department.Duties involoved:Sorting out vouchers, inward/outward cheques, remittances, reviewing credit files for corporate, commercial and SME loans, checking account opening forms

Lahore, Pakistan

Bringing new accounts and deposits.• Mobilization of deposits.• Achieving individual deposit targets.

Master Of Science (Msc), Financial Services, Risk And Operations, 2 :1 (Upper Second Class)

Dissertation: The Impact on the Performance of the Pakistani Banking Sector after its Privatisation

Master Of Business Administration (Mba), Banking And Finance, 3.68

Activities and Societies: Participated in the Dramatics society and sports i.e. Football, Cricket. Represented the College at the Governor.

Bachelor Of Arts (B.A.), Economics, Statistics, 3.66

Activities and Societies: Served as the 'General Secretary' in the Ravians' Quiz society.Served as the 'Finance Secretary' in the Library.

Fellow Of Arts, Mathematics, Statistics, English Literature, A

Activities and Societies: Member of the Seniors' Club, General Secretary of the Ravians' Quiz Society.Member of the Purchase Committee.