AML ANALYSIS
• Ensure the guidelines and regulations of SBP and Internal Policies have been followed for the opening of deposit Accounts.
• Review of Top depositors accounts and making sure that the minimum requirements of SBP regulations and internal policies are met.
• Act as liaison between the bank and regulatory and law enforcement agencies i.e. SBP, NAB, FIA, Anti-Narcotics and other Government Agencies for compliance matters and investigations.
• Coordinate with Corporate Banking and Deposit Mobilization Departments; assist them in resolving their AML related queries.
• Extensive review of alerts generated through Automated Monitoring System on the suspicious or threshold breached accounts, SBP AML/CFT regulations or Internal Policies violence, ensure their resolution within the turnaround time (TAT).
• Evaluate reports of suspicious/unusual transactions and files Suspicious Activity Reports of the institution using goAML portal.
• Provide assistance to Head for conduction of trainings on AML/CFT Regulations.

REGULATORY COMPLIANCES
• Review the pre-disbursement formalities undertaken by Credit Administration Department as required by SBP Regulations and Internal Policies.
• To conduct the ICFR process, updated the processes using MS Visio i.e. Advances, General Accounting, Treasury, Fixed Assets, Purchases & Payables, Human Resources and Investment Banking. Also their Risk Control Matrix (CRM) and Management Testing Program (MTPs) of the Institution.
• Follow-up the timely submission of data/returns, made by concern department to SBP, SECP, FBR etc, via DAP portal, hard or soft copies as required.
• Monitoring compliance with laws, rules, regulations policies & procedures and reporting of deviations to higher authorities.
• Ensure the resolution of observations raised by Internal Auditor, External Auditor and SBP inspection team from concern departments.
• Provide assistance to Head Compliance in review of policies & procedure manual/SOPs.

•Timely Monthly closing of Management Accounts as per IAS/IFRS, with reconciled schedules.
•Submitted regulatory compliances to SBP i.e. RCOA, Flow of Fund, Biweekly, CAR, FTP, rationalization etc.
•Maintain Statutory balances in SBP, as per PR. Reconcile the clearing in SBP A/c.
•Investigate errors in Ledgers. Check voucher entries and ensure proper tax withholdings.
•Income Tax and Provincial Sales Tax, monthly fillings and annual data submission to Tax Consultant.
•Supervise the Funds in Banks and Vaults of Branches. Review Bank Reconciliations.
•Assist in Secretarial practices i.e. e-filling, documentation for meetings and Code of Corporate Governance.
Externally communicate with SBP, JCR-VIS, PMN, Tax Consultant and external Auditors.

Assistant Manager Account & Finance- Sept 2016 to April 2017
• Management accounts from TB, Branch wise profitability, identify variances with Budget.
• Maintained Loans and Deposit Portfolios; their schedules, entries, provisions & accruals as per PR.
• Maintain Investments schedules and recording as per IAS/IFRS.

Account Executive-Jan 2015 to Aug 2016
• Submit Regulatory compliances associated to Finance, Loan, disbursement, and Deposits.
• Support provided in PiBas (Banking Software) implementation & Loans Re-Engineering Process.

MIS Officer-Nov 2013 to Dec 2014
• Prepared detailed and comprehensive MIS reporting using my MS Excel to Cope the Overdue of the branches and other performances.
• Support provided in PiBas (Banking Software) implementation & Loans Re-Engineering Process.

• Daily recorded Journal Entries, maintained petty cash and prepared Bank Reconciliation.
• Updated Sales/Purchase Register, Invoicing and its follow-ups from customers.
• Timely disbursement of payroll with taxation and EOBI/SESSI compliances.
• Fixed Asset and Prepaid Asset Schedule update along with its Journal Entries.