Western union inward and outward settlement file processing on voyager on daily basis and also extracting advices for western union inward & outward from wad.
Posting vouchers of Settlement received from WU, MG, RIA and attached proper supporting documents.
Preparation of bank reconciliations of PKR & foreign currency accounts on daily / Monthly/Biannually basis depending on volume of transactions.
Clearance of unpresented Cheques, posting of bank charges and withholding taxes deducted by banks, and resolve all matters highlighted from reconciliation.
Maintain Record of Banks reconciliations.
Managed and supervised a team of operations staff, fostering a collaborative and high-performing environment.
Ensured seamless compliance with all financial regulations, conducted proactive risk assessments, and implemented mitigation strategies.
Delivered insightful operational performance reports to senior management, and actively participated in new product and service development.

Architected and implemented comprehensive compliance policies and procedures, safeguarding the bank's operations.
Spearheaded the oversight and monitoring of the bank's entire compliance program, ensuring ongoing effectiveness.
Empowered employees through training and guidance, fostering a culture of compliance awareness across all levels.
Proactively investigated and reported compliance incidents mitigating potential risks and upholding ethical standards.
Maintained expert knowledge, consistently staying abreast of evolving laws and regulations to keep the bank compliant.
Led the bank's AML and KYC program, safeguarding against financial crime and ensuring transparency.
Rigorously enforced all applicable consumer protection laws and regulations.
Oversee the bank's data security and privacy program, protecting sensitive information.

Strategically managed cash requirements in alignment with Head Office, ensuring branch liquidity and financial health.
Oversaw all operations functions, including account opening, loan documentation, cash handling, clearing / remittance, security, maintenance, and compliance with Head Office directives.
Ensured timely completion of all processes before end-of-day verification, upholding operational efficiency and data accuracy.
Supervised branch administration, implemented effective budget controls, and monitored expenses to optimize resource utilization.
Consistently delivered services within agreed turnaround times, fostering customer satisfaction and trust.
Maintained secure maintenance and restricted access to customer account and signature documentation, protecting data privacy and integrity.
Ensured staff awareness and adherence to internal and external regulations, proactively monitored suspense accounts, and immediately reported fraud/forgery, litigation, or AML/KYC deviations.
Effectively handled ATM operations, ensuring customer convenience and access to financial services.
Timely prepared and submitted periodical statements/returns to Head Office, maintaining clear communication and data integrity.
Successfully addressed compliance observations/audit reports, demonstrating a proactive approach to risk management and continuous improvement.
Consistently achieved assigned liability and asset targets, contributing to branch profitability and growth.
Maintained exceptional levels of compliance, minimized risk exposure and earned consistently good audit ratings, fostering a culture of operational excellence.

Guided customers through various products and bank policies, tailoring solutions to their individual needs and ensuring clear understanding of account requirements.
Proficiently handled account opening procedures, from scrutinizing forms and collecting initial deposits to system input and generating account numbers.
Meticulously reviewed KYC forms for accuracy and completeness, safeguarding bank integrity.
Ensured proper scanning of specimen signature cards and other essential documents for seamless record-keeping.
Issued various types of certificates, maintained data on zakat, hold mail, dormant accounts, and undelivered mail, ensuring efficient tracking and resolution.
Processed and verified timely delivery of cheque books, eliminating printing errors and customer inconvenience.
Managed account closing procedures, meticulously verifying charged educations and profit payments (if applicable) before finalizing closure.
Maintained meticulous and accurate records of account opening forms, adhering strictly to bank's operational guidelines.
Established and maintained strong rapport with clients, fostering an atmosphere of positive engagement and trust.

Addressed customer inquiries regarding borrowing, saving accounts, and other bank products, providing clear explanations and resolving issues to the best of my abilities.
Meticulously recorded all transactions, validated and processed cash payments and deposits, ensuring proper identification and strict adherence to bank procedures and State Bank of Pakistan's clean note policy.
Balanced cash and checks in the cash drawer at the end of each day, maintaining accurate financial records and safeguarding entrusted funds.
Explained and promoted bank products and services to customers, actively contributing to increased product awareness and customer satisfaction.
Counted and arranged working cash at the beginning and closing of each day, demonstrating a responsible approach to cash management.
Willingly assumed additional duties and responsibilities as assigned by management, showcasing commitment and flexibility.