Naveed Ch

Banking and finance professional with 9 years of diversified experience across banking, accounting, and education. Strong expertise in account opening, banking operations, cash management, clearing, and customer account services. Experienced in SBP regulatory compliance, KYC updates, dormant account activation, and operational risk management.

Proven ability to strengthen audit controls and reduce operational discrepancies through effective process monitoring. Skilled in managing daily cash operations, ATM cash replenishment, branch clearing, and deposit mobilization activities. Experienced in accounting operations, financial reporting, account reconciliation, audits, petty cash, and maintaining accurate records.

Demonstrated success in improving account opening efficiency and activating dormant customer accounts.

Account Opening Officer at Bank Al-Habib Ltd (2020 – Present)

• Facilitate complete account opening processes while ensuring accurate documentation and efficient customer onboarding.
• Process and release stop payment instructions according to customer requests and established banking procedures.
• Activate dormant accounts and update customer KYC information in compliance with banking requirements.
• Maintain accurate account records and ensure timely completion of account-related operational activities.
• Support branch operations by coordinating account services and resolving routine customer account requirements.

Unit Incharge at Bank Al-Habib Ltd (2017 – 2020)

• Supervised daily cash and clearing operations to ensure accurate and efficient branch transaction processing.
• Strengthened audit controls and contributed to reducing operational discrepancies through effective monitoring.
• Monitored ATM cash replenishment activities to support continuous cash availability and branch operations.
• Supported branch deposit mobilization initiatives, contributing to customer acquisition and overall business growth.
• Monitored operational activities to maintain compliance with established banking policies and internal procedures.

Senior Accountant at M.A Chowdhry & Co, Islamabad F-8/1 (2015 – 2017)

• Managed accounts and maintained accurate daily accounting entries for organizational financial records.
• Prepared financial reports and performed account reconciliations to ensure accurate accounting information.
• Handled audit-related activities and provided required financial records and supporting documentation.
• Managed petty cash transactions while maintaining accurate records and appropriate financial controls.
• Reviewed accounting records to identify discrepancies and support accurate financial reporting processes.

Lecturer at Al-Syed Bright Career College of Commerce, Kasur (2013 – 2014)

• Delivered lectures and explained academic course concepts clearly to students.
• Prepared structured lesson plans, assignments, and study materials aligned with course requirements.
• Assessed student performance through tests, assignments, presentations, and academic evaluations.
• Provided clear explanations to support students' understanding of relevant commerce and academic concepts.
• Organized learning activities and educational materials to facilitate effective classroom instruction.

Master of Commerce (M.Com) – Federal Urdu University of Arts, Sciences and Technology, Islamabad Campus

Professional Banking Qualification JAIBP in Junior Associate – Institute of Bankers Pakistan

FCPA in Fellow Member – Certified Public Accounts Pakistan