• Led comprehensive risk-based audits of Centralized Trade Finance (Import & Export) with a
particular focus on Trade-Based Money Laundering (TBML), ensuring compliance with Anti-
Money Laundering (AML) and sanction regulations.
• Conducted financial, operational, system, and process audits across the company's business
units, identifying and assessing both business and audit risks. Prepared, reviewed, and
issued detailed audit reports highlighting key findings and recommendations.
• Gained in-depth understanding of business processes and managerial functions to assess
operational efficiency and effectiveness, providing actionable insights for improvement.
• Collaborated with management team to develop strategic plans for business growth and
improvement.
• Facilitated clear communication between employees and upper management through
regular meetings and updates.
• Fostered strong relationships with auditees to facilitate open communication channels
during audit process for more effective outcomes.
• Supported management in decision-making processes by providing well-researched
recommendations backed by audit findings.
• Improved overall audit quality by continuously updating knowledge on accounting
standards, regulatory requirements, and industry best practices.
• Strengthened bank's risk management framework through comprehensive assessments of
operational risks.
• Reduced financial discrepancies by conducting thorough audits of bank statements and
transactions

Drafting of L/C's for a wide range of clients spanning the entirety of Pakistan.
Raising approvals for commission charging.
Inter branch transactions.
Managing the entire contract department.
Drafting contracts for major clients including amendments, enhancements, reductions and Transactions Posting on Auto IBankers (AIB) for daily basis.
Communicating with clients regarding numerous matters regarding import.
review and check customer’s application and process all completed document on each applicable stage
Overall processing of Import transactions on WeBOC and To follow up overdue import and deal with customers to resolve problems relating to discrepancies

Drafting of L/C's for a wide range of clients spanning the entirety of Pakistan.
Raising approvals for commission charging.
Inter branch transactions.
Managing the entire contract department.
Drafting contracts for major clients including amendments, enhancements, reductions and Transactions Posting on Auto IBankers (AIB) for daily basis.
Communicating with clients regarding numerous matters regarding import.
Ensuring that the commodity in transaction passes all safety regulations set by the
Pakistani customs.
Handling of confidential data and original legal documents.
Working in WEBOC approved EIF and BDA Marking on daily basis.

• Scrutiny of LC Documents: Conducted thorough examination of Letter of Credit documents to
ensure compliance with UCP 600 guidelines, ISBP, and relevant local and international
regulations, identifying discrepancies and ensuring accuracy in documentation for smooth
and compliant trade finance operations, while adhering to anti-money laundering (AML) and
export/import control policies.
• Authorization of local and foreign LCs and contracts
• Authorization of open account cases, shipping guarantees, contracts, collections, and
contract advance payments
• Identify, coordinate, and maintain business relationships with both target corporate
customers and existing ones
• Prepare various monthly reports for Division Manager based on achievements and
projections
• Strengthen working relationships and correspond with internal customers, including Trade
Finance Staff at designated branches, for documentation and payment-related queries
• Ensure that documents against advance payments are submitted by customers within 120
days
• Report cases where shipment time of 120 days has lapsed
• Recover penalties for late submission and quarterly penalties for outstanding cases
• Manage Pakistan Single Window related queries, including creating profiles, associating
clients, and issuing financial instruments, as well as handling related queries
• Coordinate with compliance division for trade-related regulations

• Authorization of local and foreign LCs and contracts.
• Authorization of open account cases, shipping guarantees, contracts,
collections, and contract advance payments.
• Identify, coordinate, and maintain business relationships with both target
corporate customers and existing ones.
• Prepare various monthly reports for the Division Manager based on
achievements and projections.
• Strengthen working relationships and correspond with internal customers,
including Trade Finance Staff at designated branches, for documentation
and payment-related queries.
• Ensure that documents against advance payments are submitted by
customers within 120 days. Report cases where the shipment time of 120
days has lapsed. Recover penalties for late submission and quarterly
penalties for outstanding cases.
• Manage Pakistan Single Window related queries, including creating profiles,
associating clients, and issuing financial instruments, as well as handling
related queries.
• Coordinate with the compliance division for trade-related regulations

• Scrutinize trade documents under Letter of Credit as per ICC rules including UCP600,
ISBP745, ISP98 and various other opinion of ICC.
• Strengthening working relationships & corresponding with internal customers (Trade
Finance Staff at designated branches for documentation / payment related queries
• Ensure documents against Advance Payment are submitted by customers within 120 Days /Reporting of cases where shipment time of 120 Days is lapsed / Recovery of
Penalty against late submission & Quarterly Penalty of Outstanding Cases.
• Managing Pakistan Single Window Related queries including creation of Profiles / Association of Clients & further Issuance of Financial Instrument’s & their related
queries.
• Scrutiny of import collection, open account and advance documents for payment and
analyzed vessel details.
• Coordinate with compliance division for trade related regulations.
• Coordinate with treasury, CAD, Branches, and other various departments for trade-
based queries and assigned tasks.
• Checking of document s receive for advance payment as per SBP instructions.
• Processing of financial transaction and remittance thru MT-103.
• Follow up with the branches for the submission of shipping documents against advance
payment.
• Recovery of penalties against advance payment and submission to SBP as per there
instructions.
• Monthly reporting of advance payment penalties recovers pan Pakistan to SBP.
• Intimation of documents received against sight / Usance Letter of credits, contract,
collection to branches thru system.
• Lodgment & Retirement of Sight/Usance documents against Lett er of Credits, contract,
and collections.
• Correspondence with Foreign and Local Banks thru swift regarding intimation of
discrepancies within stipulated time, confirmation of maturities of Usance L/C, contract and collections and authorization to reimbursement and honor of claims. (M T-7 99, M T- 410, M T-412, MT- 73 4, M T-740 and others as per required)
• Foreign remittances thru swift (MT-202)
• Issuance of Shipping Guarantee, Delivery Order.
• Correspondence with shipping companies regarding redemption of issued guarantees.
• Reconcile Debit/Credit Nostro Account.
• Correspondence with branches and resolve all client queries thru email.
• Drafting of L/C's for a wide range of clients spanning the entirety of Pakistan.

• Drafting of L/C's for a wide range of clients spanning the entirety of Pakistan.
• Raising approvals for commission charging.
• Inter branch transactions.
• Managing the entire contract department.
• Drafting contracts for major clients including amendments, enhancements, reductions, and transactions Posting on Auto I Bankers (AIB) for daily basis.
• Communicating with clients regarding numerous matters regarding import.
• Ensuring that the commodity in transaction passes all safety regulations set by the Pakistan custom

• Handling of confidential data and original legal documents.
• Working in WEBOC approved EIF and BDA Marking on daily basis.
• Branch Operation activities i.e., Remittance, Clearing & collections as per standard
operating procedures and prudential regulations., Cheque Book, ATM, Rosetta, RTGS
etc. as per given guideline.
• Facilitate the customers in establishing relationship by opening an account with the bank
strictly in accordance with the guidelines of SBP (i.e., Risk Management, KYC, Anti
Money Laundering, AML etc.)
• Managing customer centric banking operations & ensuring customer satisfaction by
achieving delivery & service.
• Handling customer standing instructions, effectively handling all branch customers’
issues.
• Handling branch customer’s issues, attending customers diligently & associate
customers carefully, diligent to resolve all queries related to customer.
• Processing of Inward/outward and intercity Clearing.
• Replying Queries to investigation Agencies as per the Bank’s policy.
• Scrutinize daily transaction vouchers; AIB reports and ensure rectification if required in
any transaction is up to date. Reconciliation of all suspense accounts on daily basis.
• Provide support to Retail Banking Team in attending to and following up on customer
service issues with the customers and internal departments.

• Branch Operation activities i.e. Remittance, Clearing & collections as per standard operating procedures and prudential regulations., Cheque Book, ATM, RTGS etc. as per given guideline.
• Facilitate the customers in establishing relationship by opening an account with the bank strictly in accordance with the guidelines of SBP (i.e. Risk Management, KYC, Anti Money Laundering, AML etc.)
• Managing customer centric banking operations & ensuring customer satisfaction by achieving delivery & service
• Handling customer standing instructions, effectively handling all branch customers’ issues.
• Handling branch customer’s issues, attending customers diligently & associate customers carefully, diligent to resolve all queries related to customer.