Wajahat Anees

Seeking an opportunity to pursue my career in a competitive environment where my academic knowledge and technical skills can be utilized to the best of my abilities.

In-charge, Operational Risk Unit at ZTBL (2026-02 – Present)

• Identify, assess, and monitor operational risks in line with the Operational Risk Management (ORM) Framework prescribed by the State Bank of Pakistan (SBP).
• Conduct Risk & Control Self-Assessments (RCSA) to evaluate inherent risk, control effectiveness, and residual risk across branches and head office units.
• Collect, document, validate, and classify Loss Event Data (LED) per SBP guidelines, covering internal fraud, external fraud, process failures, and system-related losses.
• Ensure timely reporting of operational loss events, near misses, and incidents as per SBP reporting requirements and internal escalation protocols.
• Perform root cause analysis (RCA) of loss events and recommend corrective and preventive actions to strengthen internal controls.
• Develop, monitor, and review Key Risk Indicators (KRIs) aligned with SBP expectations to identify emerging and escalating operational risks.
• Prepare and submit periodic operational risk and Loss Event Data reports to senior management, risk committees, and regulators.
• Review policies, SOPs, and operational processes to ensure compliance with SBP regulations and internal control standards.
• Assist Head RMD in preparation of CAR and ICAAP
• Coordinate with business units to implement and track risk mitigation plans, ensuring timely closure of identified issues.
• Support internal and external audits by providing operational risk assessments, loss data, and compliance documentation; follow up on audit and SBP inspection findings until satisfactory closure.

Senior Officer, FL Operational Risk at Bank Alfalah Ltd (2024-10 – 2026-02)

• Identified, evaluated, and monitored operational risks across departments; maintained and updated the Operational Risk Register.
• Assisted in Risk and Control Self-Assessments (RCSA) and reviewed incidents and near misses to prevent recurrence.
• Review internal and external fraud cases, monitored transactions for fraudulent activity, and implemented controls to minimize fraud risk in key processes.
• Conducted surprise checks and field visits to verify operational compliance.
• Assisted in developing and reviewing operational risk and anti-fraud policies, ensuring compliance with internal procedures and regulatory requirements.

CPU, Officer NTB/ETB/KYC & Account Amendments at Allied Bank Limited (2024-02 – 2024-10)

• Processing of NTB and ETB accounts, including PEP accounts
• Periodic KYC review and AML alerts
• Activation in dormant accounts (partner/sole proprietor/entity)
• Review and verification of accounts
• Review and Processing of decease accounts
• Guidance on discrepancies and resolutions required in accounts to the branches
• Account report generation and retention policy
• MIS maintenance

Banking Service Officer (BSO) MG-10 at Allied Bank Limited (2020 – 2024)

• Account opening (performing CTR/STR review of CDD/KYC/EDD per SBP SOPs), and strict compliance review of customers before account opening
• Branch on-site compliance and audit monitoring, performing pre-audit activities
• Review of high- and medium-risk accounts and record keeping
• FATCA and CRS reporting; review of AML alerts, high-risk accounts, STR
• Maintenance of accurate databases required by the compliance department and intimation of relevant departments regarding changes
• E-banking liaison with Head Office regarding account-related queries
• Clearing of cheques
• Fraud and complaint management reporting
• Foreign fund transfers and remittances (pay order, DD, CDRs, TDRs)
• Review of policy & procedures

Banking Service Officer (BSO) at Allied Bank Limited (2018 – 2020)

• Cash department in-charge (management of cashiers, authorization of cash entries, vault balancing, sorting, and other cash-related SOPs instructed by SBP)
• ATM monitoring and replenishment

Teller/Cashier MG-12 at Allied Bank Limited (2014 – 2018)

• Performed all cash-related tasks; vault cash management
• CDR
• Reconciliation of cash transactions
• Utility bill payments

Masters in Commerce in Commerce – Federal Urdu University of Science and Technology (2016-10 – 2019-03)

Bachelor of Commerce in Commerce – Punjab College of Commerce, Rawalpindi (2010-09 – 2012-12)

Intermediate of Computer Science in Computer Science – Punjab College of IT, Rawalpindi (2008-08 – 2010-07)

Matric in Computer Science – Ideal Cambridge School, Rawalpindi (2006-09 – 2008-05)