Muhammad Azam

Internal Auditor at First Women Bank
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Contact Information
us****@****om
(386) 825-5501
Location
Pakistan, PK

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Experience

    • Pakistan
    • Banking
    • 100 - 200 Employee
    • Internal Auditor
      • Dec 2021 - Present

      Report to Regional Head Audit assist to regional head Report to Regional Head Audit assist to regional head

      • Dec 2015 - Dec 2021

      Branch Operations Related FunctionsEnsure compliance with Bank’s policies and procedures as well as SBP/prudential regulations for smooth conduct of Branch Operations efficiently and consistently.Oversee the account opening process and maintain controls with respect to exceptions through proactive resolution and follow-ups.Monitor status of dormant, inactive and unclaimed accounts.Monitor and coordinate with CMD for effective cash management.Undertake effective disbursal of approved loans.Submit all payable/deducted taxes, withholding taxes, or other levies for deposit with SBP as per policy.Operate within assigned budget and promote savings and frugality in business functionsComplianceTimely and accurate preparation/submission of all scheduled reports to Finance, Retail, SBP and others as directed by Head Operations.Take ownership of compliance, Audit and self-assessment functions including rectification of all discrepancies.Ensure preparedness of the branch for review and audit by internal/ external/SBP Auditors.Customer SatisfactionEnsure optimum quality of service to customers in liaison with Sales, Credit administration, Loan approving and disbursement authority & Services staff.Demonstrate high level of commitment and add value to foster a service cultureSafety securityContinuously review risk to the cash area and the safety of the branch, arrange/advise due precautions/ measures for overall safety and integrity.Employee ManagementMonitor Branch staff accounts for any unusual transactions to minimize the risk of forgery and fraud.Ensuring proper rotation and succession plans for staffBuild capacity of branch operations staff for improving performance & impart trainings.Other Responsibilities.Serve as a back up to the Branch Manager Show less

      • Jan 2015 - Dec 2015

      Receive payment by cash, check, credit cards, vouchers, or automatic debits.2) Issue receipts, refunds, credits, or change due to customers.3) Count money in cash drawers at the beginning of shifts to ensure that amounts are correct and that there is adequate change.4) Greet customers entering establishments.5) Maintain clean and orderly checkout areas.6) Establish or identify prices of goods, services or admission, and tabulate bills using calculators, cash registers, or optical price scanners. Issue trading stamps, and redeem food stamps and coupons.8) Resolve customer complaints.9) Answer customers' questions, and provide information on procedures or policies.Cash checks for customers.11) Weigh items sold by weight in order to determine prices.12) Calculate total payments received during a time period, and reconcile this with total sales.13) Compute and record totals of transactions.14) Sell tickets and other items to customers.15) Keep periodic balance sheets of amounts and numbers of transactions.16) Bag, box, wrap, or gift-wrap merchandise, and prepare packages for shipment.17) Sort, count, and wrap currency and coins.18) Process merchandise returns and exchanges.19) Pay company bills by cash, vouchers, or checks.20) Request information or assistance using paging systems.21) Stock shelves, and mark prices on shelves and items.22) Compile and maintain non-monetary reports and records.23) Monitor checkout stations to ensure that they have adequate cash available and that they are staffed appropriately.24) Post charges against guests' or patients' accounts.25) Offer customers carry-out service at the completion of transactions. Show less

      • Dec 2013 - Jan 2015

      ------ To centrally manage the Teller Services and the operations function of the Customer Services along with the automated service delivery channels . Refer to appended tasks expected to be carried out by the Branch Operations Officer.• To authorise and approve daily transactions for deposits and withdrawals, and other services.• To rollout new policies and guidelines relating to operations.• To keep operating expenses and headcount of the section under control and within the agreed budget level. • To maintain an optimal size of cash in vault at the end of each banking day with the view to minimise costs as it relates to overnight cash holding limit• To strictly implement stringent service standards and monitor performnce• To interpret statistical information relating to the performance of the Branch and ensures remedial action is taken to keep performance in line with business objectives.• Refer to appended task to be carried out by BOO (transaction count/checklist).• To comply with all relevant policies and procedures covering regulatory, local and group requirements.• To comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.• Ensure compliance with the Group’s standards and regulatory requirements pertaining to Money Laundering and KYC. • Participate in and/or support the Bank’s effort in preventing money-laundering activities by ensuring that AML functions are undertaken as per job objectives • Exercise due care and diligence on matters related to Money Laundering and KYC in the day to day operations, which include account opening and reviews, transaction monitoring, reporting suspicions, SRL checking customer communication, implementing new requirements, updating and revising operating procedures, acquire relevant knowledge and training, provide support to superior and subordinate Show less

    • HR / Admin
      • Nov 2011 - Jul 2013

    • Monitior officer
      • Oct 2011 - Nov 2011

Education

  • Karachi University
    Master of Philosophy - MPhil, MBA specialist Finance and Investment
    2018 - 2019
  • NILAT, Karachi
    PGD, Labour Adminstration and Industrial Walfare
    2012 - 2013
  • Federal Urdu University of Arts, Science and Technology
    Master of Business Administration (M.B.A.), Human Resources Management/Personnel Administration, General
    2008 - 2009
  • Federal Urdu University of Arts, Science and Technology
    Bachelor of Business Administration (B.B.A.), HRM
    2006 - 2008

Community

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