Atif Nawaz
Banking Operations & Compliance Professional
Gujrat, Punjab
Summary
Dynamic and results-driven Banking Operations Manager with over 7 years of progressive experience across retail banking, branch operations, financial control, and customer relationship management. Proven track record of leading end-to-end branch operations, strengthening internal controls, ensuring regulatory compliance, and optimizing operational efficiency. Experienced in KYC/AML compliance, risk mitigation, audit coordination, cash and liquidity management, and financial reporting. Progressed through key roles including Teller, Universal Service Officer, Head Teller, and Branch Operations Manager, demonstrating strong leadership capability, operational governance expertise, and commitment to service excellence. Adept at managing cross-functional teams, resolving complex operational challenges, and delivering performance-driven results aligned with international banking standards and regulatory frameworks.
Overview
6
6
years of professional experience
3
3
Certifications
Work History
Branch Operations Manager
Habib Bank Ltd
01.2026 - Current
- Lead and oversee end-to-end branch operations ensuring full compliance with regulatory frameworks, internal policies, and operational governance standards.
- Supervise daily banking activities including deposits, withdrawals, remittances, clearing operations, and trade-related transactions.
- Ensure strict adherence to KYC (Know Your Customer), AML (Anti-Money Laundering), and CFT regulations to mitigate financial crime risks.
- Monitor cash management processes including vault balancing, cash forecasting, and liquidity optimization.
- Coordinate internal and external audits, ensuring timely resolution of audit observations and compliance gaps.
- Lead, train, and supervise branch operations staff to ensure high performance and service excellence.
Head Teller
National Bank Of Pakistan
05.2024 - 01.2026
- Supervised and coordinated daily teller operations to ensure efficient, accurate, and compliant cash transaction processing.
- Foreign Currency Handling: Oversaw receipt, payment, and accurate posting of foreign currency (USD, EURO, GBP) transactions, maintaining adherence to State Bank of Pakistan Cypher Code standards.
- Managed vault operations including cash balancing, liquidity monitoring, and end-of-day reconciliation processes.
- Led a team of tellers, providing guidance, performance monitoring, and on-the-job training to maintain high service and operational standards.
- Ensured strict adherence to internal controls, AML/KYC policies, and regulatory compliance requirements.
- Monitored transaction patterns to identify suspicious activities and mitigate operational and fraud risks.
Universal Service Officer
MCB Bank Ltd
10.2021 - 05.2024
- Account Management: Streamlined account opening processes, reducing turnaround time by 30% while maintaining 100% compliance with international AML and KYC regulations, resulting in improved customer satisfaction and operational efficiency.
- Cash Operations: Managed daily cash transactions exceeding $500,000 USD equivalent, demonstrating expertise in cash handling, foreign currency exchange, and reconciliation procedures aligned with global banking standards.
- Business Development: Implemented cross-selling strategies that increased product penetration by 25%, contributing to a 15% growth in retail banking revenue and showcasing adaptability to diverse customer needs in a multicultural banking environment.
Accountant
Cropza Biosciences
03.2020 - 10.2021
- Led end-to-end financial accounting operations including general ledger management, journal entries, reconciliations, and month-end/year-end closing processes.
- Prepared accurate financial statements in compliance with IFRS and applicable regulatory standards.
- Supervised accounts payable, accounts receivable, payroll processing, and expense management functions.
- Coordinated internal and external audits, ensuring timely submission of financial documentation and resolution of audit findings.
- Ensured tax compliance including VAT, withholding tax, and corporate tax reporting.
- Managed budgeting, financial planning, and variance analysis to support strategic decision-making.
Education
Bachelor of Arts - English Language , Education , Journalism
University Of The Punjab
Lahore, Punjab, Pakistan 05.2001 -
Computer Application & Office Professional - Computer Applications And Office Management
Punjab Vocational Training Council
Gujrat, Punjab, Pakistan 05.2001 -
Skills
Retail & Commercial Banking Operations
Branch Operations Management
KYC & AML Compliance
Operational Risk Management
Financial Reporting & Analysis
Digital Banking Platforms
Core Banking Systems
Stakeholder Relationship Management
Business Continuity Planning
Computer Proficiency
Certification
Core Banking Transformation
Timeline
Core Banking Transformation
02-2026
Product Awareness Webcasts
02-2026
Branch Operations Manager
Habib Bank Ltd
01.2026 - Current
Fair Treatment of Customer & AML
12-2025
Head Teller
National Bank Of Pakistan
05.2024 - 01.2026
Universal Service Officer
MCB Bank Ltd
10.2021 - 05.2024
Accountant
Cropza Biosciences
03.2020 - 10.2021
Bachelor of Arts - English Language , Education , Journalism
University Of The Punjab
05.2001 -
Computer Application & Office Professional - Computer Applications And Office Management
Punjab Vocational Training Council
05.2001 -