Adeel Younas

Dynamic risk management professional with 10+ years of experience across Pakistan's leading fintech and banking institutions.

Expertise spans the full risk spectrum: Operational Risk (RCSA, Risk Register, Ops Loss Register, Policy Governance), AML/Transaction Monitoring System design, Fraud Risk Management, and AI-driven Risk System development. Proven track record of building risk departments from scratch, leading 24/7 fraud monitoring operations, securing SBP regulatory approvals, and delivering measurable fraud reduction outcomes — including a 98% reduction in social engineering fraud complaints.

Risk & Fraud Unit Head - Akhtar Fuiou Technologies (Digitt+) - Lahore

(2023-03)

• Designed and maintained the enterprise Risk Register, capturing inherent and residual risk ratings across all business units and digital payment products.
• Led the RCSA (Risk & Control Self-Assessment) process, conducting workshops with product, tech, and operations teams to map controls against identified risks.
• Established and managed the Operational Loss Register — recording, categorising, and reporting all operational loss events to senior management for trend analysis and capital provisioning.
• Developed and stress-tested liquidity risk scenarios aligned with SBP guidelines, supporting finance in managing liquidity buffers under adverse conditions.
• Authored, updated, and enforced the organisation's risk and fraud management policy framework, ensuring alignment with SBP regulatory requirements and internal governance standards.
• Conducted comprehensive reviews of financial reports, business process and internal controls, identifying control gaps and implementing corrective measures to reduce fraud and operational risk exposure.
• Architected and led end-to-end development of the AML Transaction Monitoring System (TMS) for the Digitt+ platform, covering rule-based detection, alert generation, and case management workflows.
• Defined and tuned AML detection scenarios (structuring, velocity, unusual patterns) and calibrated thresholds to minimise false positives while maintaining SBP compliance.
• Developed a risk-based AML programme identifying high-risk customer segments, transaction channels, and geographies — with corresponding enhanced due diligence (EDD) workflows.
• Trained the Transaction Monitoring team on alert investigation, STR/CTR filing processes, and SBP reporting obligations, improving detection accuracy and team productivity.
• Designed and deployed a multi-layer Fraud Transaction Monitoring System for Digitt+, including real-time rule engines, velocity checks, and AI-assisted anomaly detection.
• Built Risk Scorecard Models for individual customers, corporate wallets, CDM machines, and merchants — enabling automated risk tiering at onboarding and transaction level.
• Implemented device fingerprinting on the Digitt+ APP for persistent device risk profiling, linking suspicious devices across multiple accounts and flagging high-risk sessions in real time.
• Set and dynamically managed transactional limits (daily, monthly, per-transaction) across customer segments and wallet types, based on risk scorecard outputs and regulatory ceilings.
• Pioneered a customised AI system for individual customer profiling, incorporating behavioural biometrics and transaction history to continuously optimise fraud mitigation controls.
• Led and managed a 24/7 real-time fraud transaction monitoring team, establishing shift structures, escalation matrices, and response SLAs for fraud alerts and confirmed incidents.
• Established follow-up protocols with member banks and scheme partners for chargebacks, dispute resolution, and fraud loss recovery — ensuring timely closure of fraud cases.
• Oversaw incident reporting and post-incident reviews, producing root cause analyses and driving system/process improvements to prevent recurrence.
• Developed and presented a regulatory proposal to the State Bank of Pakistan, securing approval for enhanced transaction limits while maintaining robust fraud controls.

Risk Manager - JS Bank - Lahore

(2021-09 - 2023-03)

• Led fraud management strategy for the digital financial services division — embedding a risk-aware culture across product, operations, and technology teams.
• Designed and implemented an end-to-end risk system covering the full product lifecycle of the mobile wallet, from onboarding through transaction monitoring to exit.
• Developed a comprehensive data dashboard for tracking transaction trends, fraud patterns, and key risk indicators — enabling data-driven decisions for risk thresholds and controls.
• Implemented advanced security controls in the mobile wallet application, reducing fraud exposure while supporting business growth objectives.
• Integrated risk governance across all digital financial services business units, raising risk awareness and standardising control frameworks.

Risk & Product Manager – Easypaisa - Telenor Microfinance Bank (Easypaisa Bank Ltd) - Islamabad

(2014-09 - 2021-09)

• Integrated Alipay's enterprise-grade risk system into the Easypaisa APP — reducing social engineering fraud complaints by 98% and restoring customer and regulator confidence.
• Identified and mitigated PKR 3.2 million in revenue leakage, preventing ongoing financial loss through enhanced transaction controls and reconciliation processes.
• Implemented internal controls that recovered PKR 6.8 million in undue commission arising from campaign and merchant agent (MA) abuse.
• Developed and implemented a risk-based AML programme identifying and addressing high-risk transaction channels and customer segments across Easypaisa digital ecosystem.
• Redesigned the APP onboarding journey with embedded risk controls, increasing new customer acquisition by 10% while maintaining compliance with SBP KYC requirements.
• Managed a research-based lending project for private schools in rural Punjab, developing tailored risk assessments and financing models for an underserved segment.
• Developed a risk-based audit approach identifying and remediating financial and operational risk areas across the digital payments platform

ACCA – Association of Chartered Certified Accountants - Accounting - Kaplan Financial, Nottingham (2012)

Bachelor of Commerce - Commerce - University of the Punjab, Lahore (2005 - 2007)

Certificate - Artificial Intelligence & Data Science - SingularityPro Institute of Future Technologies, Lahore (2025)