Dilawar Hussain

Six years. Two banks. 95%+ AOF accuracy — and one month where it hit 100%. That record — built across Bank of Punjab and Meezan Bank — is what defines this application. Promoted ahead of peers at Meezan and regularly trusted to run the branch independently, I've maintained 95%+ AOF submission accuracy across 2.9 years, with a clean KYC/AML compliance record throughout.

In my strongest month, centralized review units accepted every single submission I raised — a 100% pass rate that reflects what this standard looks like when fully applied. My expertise spans the full account lifecycle in Islamic and retail banking: onboarding, CDD, dormant reactivation, UBO verification, ASM screening, and T24 Temenos operations — all applied under live SBP AML/CFT regulatory pressure, not just in training. I bring one more thing most candidates at this level don't: an A+ certified proficiency in Chinese Language (PBTE/TEVTA, 2018) — a quiet but real advantage in a market where CPEC-linked banking relationships are growing.

Targeting Senior Banking

Officer roles where compliance precision and operational reliability are the standard, not the exception.

Branch Services Officer – (BSO) at Meezan Bank Limited (2023-08 – Present)

• Onboarded individual, freelancer, and corporate customers onto Shariah-compliant accounts — Savings, Current, and Asaan Meezan — with exposure to Roshan Digital Account onboarding for eligible overseas customers.
• Processed account opening, amendments, dormant reactivations, and customer data updates in T24 Temenos core banking system, following branch SOPs and centralized unit requirements.
• Conducted NADRA Verisys and signature verification for every new account, ensuring full identity authentication before activation.
• Zero AOF rejections from centralized review units across 2.9 years — every submission met full KYC/CDD documentation standards on first submission.
• Identified and escalated red flags for suspicious account activity via Automated Screening Manager (ASM), contributing to a clean SBP AML/CFT record throughout tenure.
• Verified UBO details for corporate and legal entity accounts in line with SBP AML/CFT policy requirements.
• Maintained dormant accounts, customer contact data, and KYC records in T24 on a periodic and ongoing basis per SBP guidelines.
• Handled branch queries on accounts rejected by centralized units — resolved documentation gaps and resubmitted within SLA.
• Consistently met account opening targets set by branch management across 2.9 years, supporting deposit growth and new customer acquisition.
• Promoted ahead of peers — recognised for compliance accuracy, target delivery, and operational reliability.
• Regular branch caretaker — independently managed all branch operations during management absences on an ongoing basis.
• Guided 2–3 new joiners on AOF completion, KYC documentation standards, and T24 system navigation, reducing early submission errors.

Branch Services Officer – Cash (BSO Cash) at Meezan Bank Limited (2022-04 – 2023-08)

• Near-zero cash shortages across 1.4 years — no discrepancies flagged in any internal audit during full tenure.
• Processed high-volume daily cash transactions — deposits, withdrawals, remittances, and utility payments — maintaining full accuracy under pressure.
• Resolved customer transaction queries at first contact without supervisor referral, consistently maintaining branch service standards.

Cash Officer at The Bank of Punjab (2020-03 – 2022-04)

Started career at Bank of Punjab in 2020, building core banking discipline across high-volume teller operations before transitioning to Islamic banking at Meezan Bank in 2022.

• Clean SBP AML/CFT compliance record across full 2.1-year tenure — no regulatory breaches, audit observations, or cash discrepancies.
• Managed daily teller reconciliation and interbank transfers with full accuracy throughout.
• Resolved frontline customer complaints independently supporting branch retention and service quality.

B.A. in Arts and Sciences – Bahauddin Zakariya University, Multan (2017 – 2019)

FSc. in Pre-Medical – BISE Multan (2015 – 2017)

Matric in Science (2013 – 2015)