Complete Compliance Risk Review’s / Spot reviews of Central Region Branches; Branch Banking Operations / CPU / CFTU / Credits / Trade & Consumer of both conventional and Islamic Banking; with respect to the applicable Internal Controls policies, procedures and SBP guidelines relating to branch entities - operational units – segments / non-branch segments for further assurance and satisfaction of Management in respect of the ICFR’s / Risk & Control Self-Assessments through application of management’s testing of controls function.
Reporting of suspicious (High Risk) issues to the higher management to mitigate the reputational risk / financial loss a bank may suffer.
Discuss final Risk Review observations & exceptions with the relevant stakeholders for concurrence and timely resolution.
Assisting line manager in finalizing review reports and in follow up with branches for rectification of compliance/audit observations.
Liaison with Region Operations / Business and other segments to facilitate compliance with all local and international regulations including AML/CFT & KYC/CDD through training, implementation, monitoring and support of all compliance related activities.

⦁ Monitoring of large cash deposit & cash withdrawal transactions with thresholds of (Rs. 1 Million & Above) / structured & commercial deposit & withdrawal transactions with thresholds of (Rs. 2.5 Million & Above) through alerts generated by SAS – AML System on Pan Pakistan basis as Anti Money Laundering (AML Analyst) as per the State Bank of Pakistan’s AML / CFT Regulations.
⦁ Monitoring of Inward Foreign Remittances on Pan Pakistan Basis.
⦁ Monitoring of Currency Transactions Reporting of Cash Deposit and Withdrawal Transactions with thresholds (i.e. 2.0 Million & Above) & Submission the same to the Financial Monitoring Unit (FMU).
⦁ Communicate down the line about any update in the policies and procedures related to AML / CFT rules and regulations.
⦁ Ensure to communicate down the line related policies and procedures for implementation across the board.
⦁ Advising management and staff down the line if any change occurred in AML / CFT Regulations.
Review and advise branch operations and business related to AML / CFT matters reported to the department from time to time.
⦁ Assist in trainings on AML / CFT Regulations & on Risk Based Approach for staff working in AML Unit and related departments.
⦁ Business relationship shall be be monitored on sample basis to ensure that the transactions are consistent with the knowledge of the customer, business, risk profile and where appropriate the sources of funds.
⦁ Obtain information, examine, background and purpose of all complex, unusual large and out of pattern transactions found inconsistent with nature of account, and the same should be documented with comments.
⦁ Investigate the suspicious account and out of pattern transactions as per AML & CFT laws and consider to report the same to Financial Monitoring Unit if requires.

To identify, assess and monitor the compliance risk faced by the bank / Financial Institution, and
advice & report to the senior management about these risks which includes:

⦁ Identifying and assessing the compliance risks associated with different business activities, including in relation to the development of new products and business practices.
⦁ Monitoring compliance with the policy and reporting on a regular basis to senior management.
⦁ Providing guidance with respect to compliance with the applicable laws, rules and standards, and acting as a contact point within the bank for compliance queries from staff members.
⦁ Liaising with relevant external bodies, including State Bank of Pakistan & statutory auditors.
⦁ Safety Net to identify unusual / suspicious transactions.
⦁ Monitoring of large cash deposit & cash withdrawal transactions with thresholds of (Rs. 1 Million & Above) / structured & commercial deposit & withdrawal transactions with thresholds of (Rs. 2.5 Million & Above) through alerts generated by SAS – AML System on Pan Pakistan basis as Anti Money Laundering (AML Analyst) as per the State Bank of Pakistan’s AML / CFT Regulations.
⦁ Monitoring of Inward Foreign Remittances on Pan Pakistan Basis.
⦁ Monitoring of Currency Transactions Reporting of Cash Deposit and Withdrawal Transactions with thresholds (i.e. 2.0 Million & Above) on Pan Pakistan Basis& Submission of the CTR’s to the Financial Monitoring Unit (FMU).
⦁ Look back for transaction mismatching KYC profiles.
⦁ Identifications of the potential Risk / Vulnerabilities involved in the opening of Accounts due to Business Pressure.
⦁ To facilitate and guide the branches on observations and initiating necessary measures as future safeguard.
⦁ Avert fraud and forgeries attempts.
⦁ Identification and reporting suspicious transaction to Financial Monitoring Unit of Government of Pakistan.
⦁ Highlighting unusual entries in accounts and taking appropriate action including:
• Closure of Account.
• Revision / updation of KYC details
• Advise branches to keep account under review the system generated reports in their respective
folder.

⦁ Cheque Book Operations of the main branch.
⦁ Locker Operations / Locker Balancing of the main branch.
⦁ Term Deposit Processing / Term Deposit Balancing of main branch (including two sub – branches).
⦁ Operation of Inward / Outward Foreign Remittances.
⦁ Monitoring & minimizing all Risks by ensuring Strict Adherence to KYC / AML, as per the SBP's AML CFT Regulations and Bank's AML CFT Policy.
⦁ With Holding Tax Submission to the Government Treasury of (main branch and two sub-branches).
⦁ Administrative operations of the main branch.

⦁ Review and Analysis of the Personal Loan / Revolving Loan applications & documents as per the SBP’s Loan Regulations / Policy and Bank’s Internal Credit Policy to minimize the Financial Loss / Reputational Risk of the Financial Institute / Bank.
⦁ Profile Evaluation and Analysis of Applications by verification reports and Income / Bank Statements.
⦁ Review & Analysis of Debt Burden Calculations.
⦁ Review & Analysis of eCIB Reports.
⦁ Calculation & Review of Bank Statements to calculate the minimum average balances.
⦁ Cross checking the Internal Verification Reports by cross calling applicant’s and H.R. / Account / Administration departments.
⦁ Review of Cancelled and Rejected Personal / Revolving Loan Cases.

⦁ Prescreening of the Personal Loan / Revolving Loan applications & documentations as per the SBP’s Loan Regulations / Policy and Bank’s Internal Credit Policy.
⦁ Internal Verifications of Credit Card Customers through respective H.R. and Accounts Departments.
⦁ Debt Burden Calculations.
⦁ Retrieval of eCIB Reports.
⦁ Calculations of Bank Statements to calculate the minimum average balances.
⦁ Cross checking the Internal Verification Reports by cross calling applicant’s and H.R. / Account / Administration departments.

Assisting Manager on daily I.T. and Accounts queries.
Managing Database of the Transaction Processing System of Payments and Accounting System.
Staff Training on Accounting and Transaction Processing Systems.

Daily Accounts Reconciliations with Banks.
Handle all I.T. Related queries and malfunctioning in the Transaction Processing System.