Zafar Hussain Email and Phone Number

Headed a team of 25 staff members Reported directly to the Chief Financial Officer My core responsibilities included:• Finance Business Risk Control Management • Group Member Balance Sheet Control & Monitoring • General Ledger Accounts Control & Monitoring• Daily Financial Exception Reports Monitoring• NOSTRO Accounts Reconciliation Monitoring• Bank's Fixed Assets Financial Controls • Supplier/Merchandize Payments & Settlement • Inter-Group Account Receivable/Payable Monitoring

• Card Accounting:- Accounted for and reconcile the transactions of the Interchange files into the the Card Management System- Establish the Interchange file transactions into the Bank’s General Ledger, through a series of intricate manually prepared worksheets (no electronic upload to G/L)- Monitored and reconciled the settlement accounts including follow-up for discrepancies and missing funds- Supervised the monthly closing of the business- Automate the reconcilation of process to suppress the manual efforts.• Management Information System (MIS):- Designed the daily Card Business MIS to meet the senior management requirements- Produced a Pre-implementation & Post-implementation analysis of the marketing campaigns- Analyed the monthly revenue and overhead of the card division with variance explanations. This requires indepth understanding of the scheme providers fees and charges as also the Bank’s accounting policies- Reviewed the provision requirements i.e. Fraud, Chargeback & Loyalty Program provisions- Prepared the Card Business Annual Operating Plan with the Business Manager- Signed off the monthly and quarterly reports to HSBC & Scheme Providers in prescibed formats- Adhoc business papers, presentations and financial modeling as required by the Business Manager• System Conversions in Saudi British Bank:- Card Systems : (i) Cardman to replace CardPac and (ii) subsequently Card400 to replace CardPac- HSBC Banking Systems : (i) HUB system to replace the CIF (ii) Core 7 replace with Core 8.

• Accounted for Settlement of Acquiring Funds • Processed Expense Transactions• Prepared the monthly Accruals • InterBank Reconciliation and follow-up• Custodian of the Travelers Cheque Stock• Reconciliation of cheque Issuance and Stock