Credit Risk Regulatory Compliance

Profile: Details:

HAIDER ALI's experience is concentrated in Finance/Financial Planning, 365-***-****/ ad6z6q@r.postjobfree.com Mortgages, Credits/Finances/Loans, Collection/Recovery, Risk Management,

& Regulatory Compliance (KYC/AML/DUE DILIGENCE/BASLE) with special exposure to Office Management/Office Administration, Customer/Client Relationship

& Customer Complaint/Conflict Resolution. He has extensive experience in the financial field, with more than 5 years of management experience including a mid-level position.

Employment History

September 2021 Election Commission of Canada (14 Hours only) As Registration Officer

Bonds/Advance Payments/Shipping)

September 2012 to September 2023 (Last) Five Star innovations Office Management/Office Administrator

Roles & Responsibilities:

Office Administration

Credits/Finances/Bank Affairs

Account Management

Business Development/Management

Account Receivable/Payable

August2010/July 2012 - mybank Ltd (Officer/Executive) Roles & Responsibilities:

Compliance (Regulatory)

KYC/AML/Due Diligence

Customer Relationship

Complaint Resolution

Credits/Finances (Inclusive of Trade & Consumer Finances) Collection Recovery (Receivables)

August 2007/July 2010 – Emirates bank International

(Officer/Manager Operations)

Roles & Responsibilities:

Branch Banking

Credits/Collection Recovery (Account Receivable)

Trade Finance (Documentary Credits/Collections)

Remittances & Foreign Currency Accounts/Transaction Account Management

Compliance (Regulatory)KYC/AML/Due Diligence

June 1999 – March 2004 - Habib bank Ltd (Officer/Branch Manager/AVP) Roles & Responsibilities:

Branch Administration

Customer/Client Relationship, Customer Complaints, Conflict Resolution Management of Branch’s overall Operations & Performance Funds Management/Investments/Placements.

Credit Management/Collection Recovery

Budgeting/Expenses Control

Loans/Finances

Risk Management

Regulatory Compliance (KYC/AML/DUE DILIGENCE/BASLE) Skills & Competencies:

Account Management/Budgeting

Business Development/Management

Branch Banking Services /

Management

Customer Service / Compliant

Conflict Resolutions

Collections/Recoveries

Compliance & Due Diligence

Documentary Credits/Collections

Financial Planning/Analysis

Guarantees (Advance Payments, Bid

Bonds, Performance Bonds &

Shipping Guarantees)

Imports/Exports (Documentations,

Procedures & Overall)

Investments/Placements

International Banking/Regulations

Loans/Finances & Lease Financings

Office Managements/Administrations

Operational Controls/Management

Online Banking

Payables/Receivables

Quality Controls

Regulatory Compliance

(KYC/AML/Due Diligence/Basle

Agreement)

Risk Management

Education:

Bachelors of Arts - St. Patrick’s

College Karachi/University of Karachi

(With: Economics, International

Relations & Political Science as Major)

Computer Literacy:

Windows, MS Office, Outlook, Adobe,

Quick Books, Simply Accounting,

Meetings Software and Social Media

Programs Internet, E-mail & social media.

Professional Skills:

Banking (Retail/Corporate/Commercial/International), Business Development, Credits, Deposits (Current/Savings/Term Deposits), Finances, Mortgages, Operational Management, Accounts Receivable/Payable, Budgeting, Coordination, Customer/Client Relationship, Complaints Resolution, Office Management/Office administration, Risk Management & Regulatory Compliance (KYC/AML/DUE DILIGENCE/BASLE) etc.

Credit Administration:

Analyzed/Evaluate such factors as Income growth, Quality of Management, Market-Shares, Potential Risks of Business / Industry, Collateral Appraisal and Credit history using recorded data. Financial Analysis:

Analyze Financial Statements, Profitability, Liquidity and Cash flow Position of potential Customers/Borrowers, Entrepreneurs companies and Group of Companies.

Evaluating Borrower’s Financial status such as Repayment capacity, obligations with other Financial Institutions and Net Worth etc. Prepared Credit Reports, Memorandums & Summaries for submission to Higher Management for effective decision making. Operational Performance:

Monitor Operational Performance of branches falling within the purview, which included Deposit Growth, Business Growth, Credit expansion, Budget and Expenditure Control, Investments and Placements and review of overall Monetary Operations. Establish Profitability Standards for Investment Activities. Budget and Planning:

Analyzed Budgets and justified Budget requests for allocation of Funds as per priorities. Directing & ensuring the implementation of effective Fiscal Management Policies and Procedures. Planned Business Strategies according varying market trends. Oversee Policy implementation and its deployment at Branch Network. Audit Review:

Monitor Audit compliances of branches and their follow-ups. Evaluate financial reporting systems, accounting procedures and make recommendations for procedural changes. Ensuring Rectification in Operational Performance, System lacunas and procedural deviations. Prepare Audit Report for scrutiny by Board of Directors. Report to Senior Management concerning any trends that are critical to the organization's Financial Performance Key Achievements:

• Introduced Systems & Procedure to streamline Compliance Divisions effectiveness & efficiency as per Standard Banking Procedure and Prudential Regulation requirement of Central Bank of the Country.

• Computerized the whole system of Customer Complaints, beginning with Receipt of Complaints from Customer/Central Bank, Banking Ombudsman, Diarizing the Complaints, Interim Response to Customer/Central Bank, Banking/Ombudsman. Effective and prompt follow-up with Area of Operations and Prompt redressal of Customer/Complainants with a satisfactory response to Source (Customer/Central Bank/Ombudsman as the case may be), thereby reducing the Customer complaints to 50 %

• Conducted enhanced due diligence (EDD) on existing clients in accordance with Bank's CIP policies and the USA Terrorist Financing Act for international clients and sensitive domestic clients or those associated with high- risk countries.

Provided oversight and execution of AML transaction and account monitoring surveillance.

Advised senior management on risk assessments; monitoring and testing; suggested new policies, procedures and programs to put in place as per Central Bank's Regulatory directives.

Provided feedback on work completed by other investigators to ensure quality, accuracy, and effectiveness (Quality Control and Quality Assurance).

Investigated and provided guidance and advice to multiple lines of business (Credit Card, Retail Bank, and Online Banking) risks associated with high-risk customers, transactions, products, services, geographies; compliance requirements and related controls and regulatory expectations and/or industry practices.

Completed and advised on items to improve deficiencies in the KYC program, internal controls, and independent testing

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