Aamer Saleem Shad

Review /monitor and facilitate branches to conduct business operations in line with Group Compliance policy, SBP guidelines and AML/CFT regulations. Managed to review and improve over 110 branches for implementation of best Compliance /operations practices and achieved 100% in complying of specific regulations.

• Regular Onsite review of branches to assess compliance quality and implementation of regulatory guidelines & Bank’s Compliance policy in spheres of operations, advances and trade finance
• Conduct system based offsite reviews of branches by obtaining different MIS through I.T/system tools to check implementation of compliance policy
• Suggest /recommend remedial measures for gaps/anomalies observed during branch reviews
• Continuous review/assessment of operational compliance procedures/controls to assess their effectiveness, and efficiency in line with Group Compliance Policy and SBP guidelines
• Conduct reviews of back office functions (treasury/CAD etc) to ensure adherence of SOPs
• Educate and train staff to keep them abreast with updates and effective implementation of compliance /operational controls & AML/CFT regulations
• Follow-up with concerned quarters for rectification of anomalies noted during reviews and achieve 100% in
• Providing proactive support/guidance to business units on operational/compliance matters.

• Keep updated regarding Bank's policies and procedures and regulatory guidelines, their dissemination to concerned staff and ensure compliance
• Guide and supervise branch staff on Audit, compliance and control issues to ensure satisfactory audit rating
• Management of overall branch operations, ensuring efficiency, effective controls and maintenance of service quality level
• Ensure proper daily checking of bank’s activity report; monitoring of suspense and reconciliation/ balancing of GL heads
• Ensure timely submission of all financial reports
• Ensuring that accounts are opened and maintained in line with bank’s internal procedures and KYC requirements of SBP
• Overall supervision/administration of branch affairs.

• Part of team supervising operational issues of more than 145 branches
• Maintained strong liaison with Area Operation Managers/Branch Operation Managers to ensure close insight on operations of branches under region
• Onsite review of branches to assess quality of operations, effectiveness of internal controls and ensure adherence of regulatory guidelines & Bank’s SOP compliance in Field units
• Review and discuss audit reports with concerned, provide support on compliance/ rectifications and suggest controls to minimize audit exceptions
• Recommend enhancements/amendments in process & system to ensure effective controls for smooth operations while ensuring quality services
• Conduct inquiries for customer complaints, staff grievance resolution, carry out investigation in case of fraudulent eventualities
• Liaison with Legal Department/Lawyers whenever required
• Search, screen out and interview of ideal candidates for available and future vacancies in Branches and Areas
• Staff training and enhancement on day to day control/operational issues through meetings/audio cons to ensure SBP compliant operations
• Reviewing and processing approvals of special category accounts, Capital/Operating expenses.

• Supervised and controlled operational functions of 16 branches with consolidated book size of Rs12 Bn Liabilities & Rs 1.4 Bn assets under the area additionally carrying out financial and operational Review
• Liaison with Branch Managers/Manager Operations/Accountants for efficient management of branch operations
• Examine and process OPEX and CAPEX for approval from competent authority
• Guide branches on maintenance/reporting /accounting of fixed assets
• Perform periodic onsite operational and financial review of branches to ensure implementation of operational and financial controls in line with regulatory requirements without compromising customer services standards
• Coordinate with branches to ensure smooth conduct/conclusion of internal audit reviews and supervise annual audit meetings including operational, financial and advances ledger
• Reviewing business & operations analysis reports of the branches to formulate future operational strategies in order to achieve operational goals communicated by the management
• Supervise operations and finance functions of branches and ensure adherence to Bank’s policies and regulatory requirements and ensured reconciliation of GL heads
• Guide branches and staff on SBP/Internal audit related issues
• Consolidated and validated monthly, quarterly, semi annual and annual finance & accounts reports of the branch within the given timelines
• Ensured branch books reflect true and fair picture
• Handle quarterly and annual closing and annual budgets of branches, while troubleshooting various accounting and control issues
• Finalizing HR proposals relating transfers, succession planning etc.
• Ensured compliance with all relevant regulations, maintaining detailed records and documentation as required

• Managed over all back office treasury operations having book size of US$100M
• Maintained effective internal controls; supervision of work of subordinate staff
• Timely submission of accurate statutory & financial reports to Head Office/ Central Bank of Afghanistan
• Efficient management of all back office operations relating to intra bank Investments and foreign currency deals with foreign banks and Central Bank, confirmation and settlement process of all financial deals
• Monitored counterparty limits to ensure compliance, Liaison with front office to mitigate risks involved in transactions and managing net open positions to ensure compliance of approved limits
• Reconciled receipts/payments from Nostro accounts maintained with different Banks in London, Frankfurt and New York for settlement of GBP, Euro & US Dollar transactions respectively and took corrective measures in case of anomalies
• Supervised day/month end process and maintaining payroll of treasury staff
• Communicating with all counter party banks worldwide on routine treasury related issues.
• Trained personnel in equipment maintenance and enforced participation in exercises focused on developing key skills

• Planning and conducting audit of branches all over Pakistan to ensure implementation of Bank’s Operational manual and compliance of SBP Regulations
• Guide and supervise audit work performed by team members
• Educating field staff on audit and compliance issues
• Identifying shortfalls and recommending rectification measures
• Finalize reports after threadbare discussions with Branch Managers and Area Managers on conclusion of audit
• Timely compilation and submission of audit reports to Central Audit Division.

• Consolidation and validation of advances data of 25 branches
• Offsite/onsite monitoring of advances portfolio.
• Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks
• Assisted in development and implementation of new software tools for improved efficiency and accuracy in credit assessment process
• Mentored branch staff members in best practices related to credit analysis, instilling culture of accuracy and diligence within team
• Performed semi-annual/annual account credit limit reviews and credit increase review requests from branches.
• Obtained and interpreted financial statements to assist in credit limit reviews
• Organized and finalized loan applications for underwriter review
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts
• Prepared reports of findings and recommendations

• Initiated fresh/renewal credit proposals, completion of security documentation, post disbursement monitoring and periodical reporting to all concerned offices.
• Developed and maintained relationships with customers and suppliers through account development
• Monitored and analyzed business performance to identify areas of improvement and make necessary adjustments
• Successfully managed budgets and allocated resources to maximize productivity and profitability

• All assignment relating to branch accounts/operations which included maintenances of term deposits, Provision of Income/expenses, Remittances/clearing and collections, Audit Compliance, Fixed assets record maintenance, Reconciliation of HO/Central Bank accounts, periodical reporting /filling of reports to higher offices and overseeing branch IT operations
• Remittances, clearing, collections departments.

• Appointed as Probationary Officer
• Undergone nine months extensive training in General banking, Credits and Foreign Trade at different branches and MCB staff College Lahore.
• Developed a solid foundation in Bank's policies, procedures, and culture through comprehensive onboarding sessions
• Increased knowledge of industry trends and best practices through attending class sessions and workshops.