Experience

• 

  Emirates NBD

  • United Arab Emirates
  • Banking
  • 700 & Above Employee

  • Operations Manager

    • 2010 - 2016

    Rotated to Ajman Main Branch as Branch Operations Manager.The following job responsibility is being handled in addition to above mentioned job.Providing personalized services Branch VVIP customers including Ruler of Ajman.Supervising Retail credit department responsible for selling credit card, loans and opening of accounts etc.Banking Legal Cases – Good experience in handling legal cases against the bank by the customers and won those cases on behalf of the bank.On Boarding New personal & Corporate Customers:- Meet and interview customers before opening new corporate and personal accounts.- Checking and authorizing account, opening documents to ensure the documents are complying with Bank internal AML policy and UAE Central Bank AML policies.- Refer Group compliance to obtain approval for the high-risk nationals and high-risk business new accounts before authorizing the documents.AMLO- Anti-Money Laundering Officer:- To investigate Alerts received from the Group Compliance related to customers suspicious transactions and respond to compliance.- To prepare STR-Suspicious Transactions Report ( CB form 6) in case customer using his account for money laundering purpose or customer transaction is suspected.- To respond to Group Compliance after investigation with customer regarding inward and outward remittances alert or is stopped by PSS-Payments Screening System.- Monitor customers day to day cash and other financial transactions through the branch counters and report to compliance if any suspects transaction.- To investigate internal and external frauds and report to HO-Risk & Fraud department.- To investigate and respond to Bank Legal department regarding cases lodged by the customers against the bank or cases lodged by the bank against the customers.

  • Managers Operations

    • 2006 - 2010

    Transferred to new branch of Branch in Mirdiff. Job was assigned to coordinate with banks different departments for opening of the new branch and to arrange necessary requirements for opening of new branch as per banks standard audit requirementAfter successfully opening of the Mirdiff Branch, transferred to Sharjah Main Branch as Manager Operations and was responsible for running the Branch Retail operation smoothly, mainly as under:* Opening of Corporate Accounts and assist customer in completion of documentation* Handling and resolving customers complaints and providing high level of customer service* Review and monitor of incoming and outgoing staff system access* Review and monitoring of incoming and outgoing staff branch physical access* Branch Police custodian* Custodian of cash treasury and monitor branch daily cash insurance limit* Authorizing large transactions* Review and closely monitor all suspicious and Internal accounts* Daily review of recording of surveillance cameras* Coordinate with all GHO departments and branches; respond to their queries and instructionsBranch Q system – Monitoring Tellers and Customer Service Q timing and ensure to meet bank service standard for waiting time.Branch Productivity – Monitor and analysis staff productivity with staff strength.Customer experience – Monitors and educate staff to comply standards set by the management to reach excellent customer service and review mystery shopper reports about staff behaviour and customer services.Internal Audit – Responsible for branch operations working as per bank procedure N audit requirements Staff skill Matrix – To educate and provide necessary training to all the staff about the bank procedure, policy Compliance – To review and monitoring customer transactions through SAMSin context of UAE Central Bank and guidelines related to money laundering and update customer KYC and report Central Bank if there is any suspicious transaction

  • Head Teller

    • 1993 - 2006

    1993 --Emirates Bank – DubaiResponsible for the following jobs assigned by the bank:Custodian of ATM, Cash vault. Processing and authorization of clearing and transfer Cheques, handling of account opening, closing and authorizing cash payments, handling and maintaining of stop payment cheques and standing order, remittances, FX position, checking of batches, end of day monitoring.Worked as Head teller on the QUAESTOR SYSTEM - responsible for supervising a team of tellers, Authorized and approved all transactions originated by the tellers within delegated authority limits.

• 

  Middle East Bank

  • Dubai

  • Operations Officer

    • 1977 - 1993
    • Dubai

    In charge of Gold Billion Department. Accounts, Cash department, Remittances, Foreign Trade business (import and export L/C), inward and outward documentary collection, Custodian of ATM & Safe Deposit Lockers, Personalized customer services to Branch VIP customer including Dubai Ruler.

• 

  Muslim Commercial Bank Ltd.

  • Pakistan

  • Current Account Department

    • 1974 - 1977
    • Pakistan