Compliance | AML/CFT | KYC/CDD | Customer Service
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A newcomer to Canada and financial professional with over 10+ years of experience working in the Banking Industry in the areas of Banking Regulations, Supervision, Compliance, and Risk. Demonstrated strong analytical, problem-solving, critical thinking, time management and leadership skills in all roles assigned.
Deputy Director – Banking Supervision
State Bank of Pakistan – Karachi Pakistan Dec 2018 - Present
օ Identify red flags and determine unusual/suspicious activity
օ Conduct due diligence activities through World Check and others
օ Conduct AML and KYC reviews for various banks including, MCB Bank, Deutche Bank, Standard Chartered Bank, Meezan Bank among others
օ Assess compliance with applicable laws & regulations in the financial institutions;
օ Complete reports relating to Liquidity, Earnings, Capital Adequacy and management Quality as per the CAMELS Framework;
օ Present and discuss inspection observations / Issues highlighted with the Financial Institution's management;
օ Conduct Specialized Inspections engagements assigned based on Risk Based Supervisory Framework;
օ Provide comments and suggestions on different policy issues.
օ Project based inspections of regulatory violations.
օ AML/CFT investigations, Sanctions Screening, KYC/CDD, FATF guidelines inspections.
օ Customer Experience, Service Quality Inspections.
Assistant Director - Offsite Supervision and Enforcement
State Bank of Pakistan – Karachi Pakistan Jun 2013 – Nov 2018
օ Liaise between Financial Institutions and the Central Bank;
օ Enforce compliance of Rules and Regulations on Financial Institutions;
օ Penalize Financial Institutions for violations of relevant laws and statutes;
օ Rate Financial Institutions based on various metrics to gauge risk / stability / sustainability et al;
օ Exercise powers vested to Central Bank under the Banking Companies Ordinance 1962 and State Bank of Pakistan Act 1956;
օ Ensure stability of the financial system by proactive / preemptive supervision of Financial Institutions
Personal Financial Consultant – Consumer Banking
Standard Chartered Bank Pakistan Limited Oct 2012 – May 2013
օ Achieve set targets for developing assets and liabilities;
օ Increase the customer base of the Bank;
օ Develop business by prospecting potential customers and cross-sell opportunities;
օ Help and organize sales promotions in co- ordination with the Branch & other sale channels;
օ Ensure cost minimization/control environment;
օ Re-route and encourage customers to use ADCs;
օ Drive Know Your Customer, Reputation Risk, and Anti-Money Laundering Initiatives.
օ Develop a Risk Recognition and Compliance Culture in the branch.
օ Complete Satisfactory Audit Ratings for the Control Environment.
օ Prepare proper documentation for various types of Account Opening & Closure for all customers keeping error rate within acceptable level.
օ Assist the CM to ensure that branches maintain all the records that are auditable for good audit rating.
օ Assist CM to ensure the awareness of business continuity plan among the department.
օ Bachelors in Business Administration (Finance) - Institute of Business Administration, Karachi 2011
օ GCE A’ Levels – The City School Lahore 2007
օ GCE O’ Levels – The City School Lahore 2005