Abid Javed

Detail-oriented banking professional with over 13 years of experience in branch operations, regulatory compliance, and internal control environments within leading financial institutions. Strong understanding of SBP regulations, KYC/AML/CFT requirements, operational risk frameworks, and internal policy compliance. Experienced in reviewing operational processes, identifying control gaps, and ensuring adherence to prescribed procedures in areas including cash management, vault operations, clearing, remittances, ATM reconciliation, and account opening documentation.

Demonstrated ability to detect irregularities, mitigate fraud risks, and strengthen internal control systems through effective monitoring and compliance checks.

Internal Audit - National Bank of Pakistan - Karachi, Pakistan

(2025-08)

• Managed and performed various desktop audits
• Reviewed branch operations, account opening documentation, deposit products, profit distribution mechanisms, ATM operations, remittances, staff salary arrangements, and customer service processes to identify potential Shariah Non-Compliance Risks (SNCR).
• Evaluated the adequacy and effectiveness of internal controls designed to ensure segregation between Islamic and conventional banking operations and prevent Shariah non-compliant transactions.
• Performed detailed testing of branch records, DTR reports, account statements, General Ledger (GL) transactions, and operational activities to verify adherence to approved Islamic banking procedures and policies.
• Assessed compliance with Shariah-approved documentation, product disclosures, branch branding requirements, notice board displays, and customer awareness initiatives.
• Conducted interviews and knowledge assessments of branch staff to evaluate their understanding of Islamic Banking principles, Shariah rulings, and regulatory requirements.
• Identified audit observations, analysed root causes, and provided practical recommendations to strengthen Shariah compliance controls and mitigate compliance risks.
• Monitored rectification of previous audit findings and reviewed implementation status of corrective actions recommended by Internal Shariah Audit Wing and Shariah Board.
• Prepared comprehensive Internal Shariah Audit Reports, highlighting compliance status, risk areas, audit ratings, and recommendations for management and Shariah Board review.
• Ensured audit activities were conducted in accordance with International Standards for the Professional Practice of Internal Auditing (IIA Standards), SBP Islamic Banking regulations, and applicable Shariah governance requirements.
• Reviewed Deposit Operations, Loans & Advances, Government Collections, Staff Matters, Daily Transaction Reports (DTRs), and other critical banking activities to assess compliance with internal policies, procedures, and regulatory requirements.
• Identified control weaknesses, process gaps, and compliance exceptions, and provided practical recommendations to strengthen internal controls, mitigate risks, and enhance operational effectiveness.
• Prepared comprehensive audit reports, discussed findings with management, and monitored the implementation of corrective actions to ensure timely resolution of audit observations.
• Reviewed reports before final issuance
• Review of Customers Transactions as per AML/CFT guidelines.
• Performed various management audits.
• I have contributed as an exemplary Team Member, assiduously supported in automation of manual processes of auditing and implemented e-Audit ERP in the audit division
• Strengthened internal controls and governance by following up on issue remediation, monitoring implementation progress and ensuring issues were resolved in a timely manner.

Internal Shariah Audit - National Bank of Pakistan - Karachi, Pakistan

(2026-05 - 2026-07)

• Conducted Internal Shariah Audits of Islamic Banking Branches (IBBs) and Islamic Banking Windows (IBWs) to assess compliance with Shariah principles, State Bank of Pakistan (SBP) regulations, Shariah Governance Framework, and directives of the Bank’s Shariah Board.
• Reviewed branch operations, account opening documentation, deposit products, profit distribution mechanisms,
• Evaluated the adequacy and effectiveness of internal controls designed to ensure segregation between Islamic and conventional banking operations and prevent Shariah non-compliant transactions.
• Assessed compliance with Shariah-approved documentation, product disclosures, branch branding requirements, notice board displays, and customer awareness initiatives.
• Conducted interviews and knowledge assessments of branch staff to evaluate their understanding of Islamic Banking principles, Shariah rulings, and regulatory requirements.
• Identified audit observations, analysed root causes, and provided practical recommendations to strengthen Shariah compliance controls and mitigate compliance risks.
• Monitored rectification of previous audit findings and reviewed implementation status of corrective actions recommended by Internal Shariah Audit Wing and Shariah Board.
• Prepared comprehensive Internal Shariah Audit Reports, highlighting compliance status, risk areas, audit ratings, and recommendations for management and Shariah Board review.
• Ensured audit activities were conducted in accordance with International Standards for the Professional Practice of Internal Auditing (IIA Standards), SBP Islamic Banking regulations, and applicable Shariah governance requirements.

Branch Service Officer Operation (A.M I) - Meezan Bank Ltd - Karachi, Pakistan

(2017-07 - 2025-04)

• To warmly welcome every incoming customer into the branch.
• Represent the bank in a professional manner.
• Assist first time customers in opening bank accounts.
• To facilitate new customers and provide them knowledge about other Islamic products. Account Opening
• Timely submission of AOF to Operations (back office) without any discrepancy ensuring that KYC & AML regime is in compliance with best practices.
• Ensure account opening procedures of Bank are strictly adhered to as per policies and guidelines. Deepen
• Someday Clearing /Normal Outward Clearing & Outward Intercity.
• Issuance of Cheque Book. To Close an Account.
• Issuance of Account Maintenance Certificates. To “Stop Payment” and “Release” the Cheque at the request of customers. RTGS.
• Issuance of Banker Cheques, Demand Drafts. Assurance of central bank rules and regulations and internal bank policies.
• Serving as backup operations Universal Teller when it's needed. Home remittances (Western Union) ATM reconciliation and balancing. Issuance of ATM cards to customers.
• Do various other duties as assigned and as needed

Customer Service Officer Grade 13 - NIB Bank Ltd - Karachi, Pakistan

(2016-10 - 2017-07)

• Responsible for duties such as handling payments, withdrawals, and deposits. Receive Utility Bills, Posting bills in Ptcl payment System.
• Someday Clearing /Normal Outward Clearing & Outward Intercity.
• Issuance of Cheque Book. To Close an Account. Issuance of Account Maintenance Certificates.
• To “Stop Payment” and “Release” the Cheque at the request of customers.
• RTGS. Issuance of Banker Cheques, Demand Drafts. Assurance of central bank rules and regulations and internal bank policies. Serving as backup operations Universal Teller when it's needed. Promptly respond to all queries received from customers regarding service and operations. Home remittances (Western Union) ATM reconciliation and balancing.
• Issuance of ATM cards to customers. Do various other duties as assigned and as needed Responsible for answering questions of clients and customers. Promptly respond to all queries/instructions received from customers regarding service and operation. Efficient handling of payments/receipts/sorting of local and foreign currency (cash). Checking and verifying accounts to avoid any fraudulent transactions. Entry of opening cash balance, posting of all receipts and payments

Counter Service Officer Grade -III - Soneri Bank Ltd - Karachi, Pakistan

(2015-02 - 2015-08)

• Responsible for duties such as handling payments, withdrawals, and deposits.
• Receive Utility Bills, Posting bills in Ptcl payment System.
• Assurance of central bank rules and regulations and internal bank policies.
• Serving as backup operations Universal Teller when it is needed.
• Promptly respond to all queries received from customers regarding service and operations.
• Home remittances (Money Gram, Cash Over Counter Transaction (COCT))
• Do various other duties as assigned and as needed
• Responsible for answering questions of clients and customers.
• Promptly respond to all queries/instructions received from customers regarding service and operation.

Branchless Banking Officer - Dubai Islamic Bank Ltd - Karachi, Pakistan

(2013-04 - 2015-02)

• Deposit of Cash and Withdrawal of Cash.
• Clearing Cheques of Inward, Outward.
• Receive Utility Bills Assurance of central bank rules and regulations and internal bank policies.
• To make customers aware of Shariah-compliant Islamic banking.
• Serving as backup operations Universal Teller when it is needed.

Branchless Banking Officer - Talent Edge Consulting Pvt Ltd - Karachi, Pakistan

(2012-10 - 2013-03)

• Deposit of Cash and Withdrawal of Cash.
• Promptly respond to all queries received from customers regarding service and operations.
• Home remittances (Xpress money, Habib Xpress, and western union) Do various other duties as assigned and as needed Responsible for answering questions of clients and customers. Promptly respond to all queries/instructio

Master of Commerce - University of Karachi (2010 - 2012)

Bachelor of Commerce - University of Karachi (2007 - 2009)