Experience

Samba Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Head CFT Unit

  • Jul 2022 - Present



Mashreq

• United Arab Emirates
• Banking
• 700 & Above Employee

• AML Team Lead Manager

  • Apr 2022 - Jun 2022



Industrial and Commercial Bank of China

• China
• Banking
• 700 & Above Employee

• Unit Manager AML, CFT Desk & Sanctons

  • Sep 2018 - Apr 2022

  Industrial and Commercial Bank of China Pakistan Operations (Sept 2018 - March 2022) Led the AML Unit, CFT Desk & Sanctions Unit for ICBC Pakistan Operations as AVP Anti Money Laundering Unit > Updating Policies and Procedures for CAAML in line SBP AML/CFT regulations. > Managing AML Investigations, i.e, Alerts, Cases, STRs, CTRs submissions to FMU. > Live and Post transaction screening for mitigation of Sanctions risks. > Coordination with Financial Monitoring Unit for regulatory and investigation assistance purposes. > Successfully revised and designed AML training for staff members. > Gap identification and advisory for improvement in overall controls for AML. > Providing assistance and advisory on various day to day business operations with respect to AML/CFT. Counter Financing for Terrorism Desk & Sanctions Unit > Established CFT Desk for ICBC Pakistan operations in compliance with SBP instructions. > Formulated the risk assessment matrix for assessing the risk of ICBC Pakistan’s portfolio in terms of Customers, Geography, Products & Services and delivery channels. > Preparation of Internal Risk Assessment report for ICBC Pakistan Operations. > Preparation of CFT Desk Policy inline with SBP recommendations along with periodic reviews. > Risk Management reviews for vulnerabilities of terrorism financing via ICBC channels along with inter-department assessments. > Preparation and Submission of IRAR (Internal Risk Assessment Report) and status of CFT compliance to SBP. > Management and mitigation of risk associated with Targeted Financial Sanctions for proscribed entities and individuals via Sanctions screening for existing portfolio and transactions via NACTA list, Dow Jones and Accuity tools. > Adverse Media Monitoring and Correspondence with LEAs (NAB, FIA, Police, Courts etc) for various inquiries and data submissions. > Preparation of Case Studies on Terrorism incidents for risk assessments and channel reviews. Show less



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• Senior Analyst / Team Lead Financial Crime Compliance

  • Nov 2015 - Aug 2018

  Standard Chartered Bank Pakistan (Nov 2015 - Aug 2018) Responsibilities as Team Leader and Senior Analyst Financial Crime Compliance Investigations: > Managed a team of seven members to plan, coordinate and handle work for Transaction Monitoring Unit. > Transaction monitoring through Detica Transaction surveillance system. i.e. investigations to mitigate potential money laundering, terrorist financing, and sanctions risks. > Performed investigations on cases for identifying suspicious and unusual pattern of transactions and onwards SAR escalations. > Provided assistance to stake holders in business and operations regarding matters related to AML/CFT policies, procedures and controls. > To share best practices with the team to enhance performance standards, efficiency and overall transaction surveillance process. > Vigilant in identifying technical shortcomings in system, processes, Detection Scenarios and proposed appropriate recommendations for enhancement and re-engineering of the same. > To keep abreast with the latest development in Financial Crime Compliance field. Show less



Bank Alfalah Limited

• Pakistan
• Banking
• 700 & Above Employee

• Senior Offcer / Team Lead Branch Operations

  • Nov 2006 - Oct 2015

  Bank Alfalah Pakistan (Corporate Main Branch – Karachi) (Feb 2007 - Nov 2015) Responsibilities in Transaction Banking as Team Leader:- > Implemented Transaction Banking product “ALFALAH TRANSACT” in coordination with the product team in Karachi main branch and devised procedures for BAU activities. > To facilitate customers and corporate clients regarding settlement of funds against services availed by various clients. > Generate and maintain daily MIS summary sheets regarding inflow and outflow of funds and collections for corporate clients and various Government institutions for reconciliation purpose > To coordinate with branches regarding transfer of funds and to resolve numerous issues pertaining to customers and corporate alike. Responsibilities in Account Opening Operation as Team Leader: > To cater issues of account opening regarding opening of new accounts of individual customers and corporate clients alike. > Scrutiny of documents provided by clients for the purpose of account opening to eliminate and prevent the factors of fraudulent activity via banking channel. > Processing and issuance of account numbers to customers and various other tasks related to account opening. > To provide admirable services to walk in customers and account holders regarding their various issues and streamlining for their smooth processing of day to day business transactions. > To resolve queries for account opening, dormancy, mandate addition, e-Banking, KYC updates etc. > To issue bank statements and various certificates for regulatory purposes for clients. > To solve customer’s debit card related issues which include issuance, re-issuance upon expiry, funds claim etc. > To complete all lockers related tasks and issues regarding issuance, operations or surrender for corporate clients and valued customers. > To perform e2e tasks regarding the processing of customer requests for cheque books issuance in coordination with the (C.C.U) Show less