Kaleemullah Memon

• Spearheaded operational strategies to optimize performance, driving a 15% increase in efficiency
• Expansion of service offerings, resulting in growth in client base and increase in revenue
• Managed the company's budget and financial planning, ensuring profitability and long-term financial stability
• Delivered comprehensive training programs on Trade and Trade-Based Money Laundering to over 500 professionals, enhancing their understanding and compliance with local/ international trade regulations
• Tailored training sessions to meet the specific needs of clients, resulting in a 95% satisfaction rate and significant improvement in client compliance frameworks.

MCB Islamic Bank Limited, a wholly owned subsidiary of MCB Bank Limited. MCB Bank Limited operates a strong and vast network of over 1,600 Branches in Pakistan and 8 branches overseas with a footprint in UAE, Bahrain and Sri Lanka, With a customer base of over 7 million, with assets in excess of US$ 8 Billion . Majority of shares are owned by Pakistani conglomerate Nishat Group and Malaysian bank Maybank.

• Directed daily trade operations, ensuring compliance with regulatory standards in order to achieve maximum accuracy rate in transaction processing
• Streamlined trade workflows, reducing processing time by 8% and enhancing overall departmental efficiency.
• Implemented robust risk management strategies, minimizing operational risks by 40% in critical trade activities.
• Led a team of 45 professionals and processed over US$ 7Mn trade business while providing training and development opportunities that improved team performance and morale
• Coordinated with cross-functional teams and external stakeholders, facilitating smooth execution of high-value trade transactions and boosting client satisfaction.

Bank Alfalah , one of the largest banks in Pakistan, with assets in excess of US$ 12 Billion with a workforce of over 14000 professionals with a network of over 1000 branches across more than 200 cities in the country, and international presence in Afghanistan, Bangladesh, Bahrain and the UAE. Bank Alfalah is owned and operated by the Abu Dhabi Group. The Bank provides financial solutions to consumers, corporations, institutions and governments through a broad spectrum of products and services.

• Looked after the department’s performances as well as the other branches transactions of south region
• Developed and executed regional trade marketing strategies, leading to a 15% increase in market share across key territories.
• Collaborated with sales teams to design and implement strategies that boosted trade business and drove a 12% growth in regional sales.
• Led cross-functional teams in executing regional marketing strategies, achieving alignment between sales and marketing teams.
• Able to tackle the multifaceted challenges of rapidly challenging corporate circumstances
• Liaison with Centralized operations to facilitate customers changing requirements.
• Increased revenue by identifying new business opportunities and closing high-value deals.

ABPL is a subsidiary of Al Baraka Banking Group (ABG), a Bahrain Joint Stock Company, listed on Bahrain and NASDAQ Dubai stock exchanges. With assets in excess of US$ 800 Million with a workforce of over 2800 professionals and a network of over 185 branches in 85 cities and towns across Pakistan, ABPL is devoted in providing customers with a range of Shariah compliant products to suit their banking needs.

• Managed end-to-end trade operations, ensuring timely and accurate processing of trade transactions, resulting in a 90% on-time completion rate.
• Oversaw compliance with international trade regulations and anti-money laundering (AML) standards, maintaining a clear audit record.
• Led the implementation of advanced trade finance systems, automating key processes and reducing manual errors by 20%.
• Developed and executed strategic initiatives to streamline operations, resulting in a 5% reduction in operational costs and enhanced service delivery.
• Cultivated strong relationships with key clients, providing tailored solutions that improved client retention by 40%.

· Look after the department’s performances as well as the other branches transactions of south region

· Liaison with Country office for all Trade related issues and with Treasury regarding Rate Settlement and Forward Contracts

· Focusing customer satisfaction with revenue maximization keeping in view operational standards and controls are not diluted

· Updated with latest Trade amendments issued by Central Bank/ International Forums for essential dissemination to relevant staff members

· Preparation and submission of monthly reports to Group office in Bahrain and to State Bank of Pakistan

· Responsible for handling Internal/ External audits

· Member of bank’s final audit report discussion team

· Key player of product development team successfully launched Islamic Export negotiation product

· Manage and facilitate continuous improvements by defining objectives and direction to staff members to ensure correct implementation of new Trade requirements

· On-going process improvement for efficient service delivery to customers

· In-house trainer for International Trade and TBML topics

· Member of Committee/ Working groups for PBA on different market issues

· Combine patience, determination and persistence to troubleshoot client problems

· Member of Merger/ Acquisition Sub-committee for amalgamation of Burj Bank Limited with and into Albaraka Bank Pakistan Limited.

• Handled export portfolio of $390Million
• Looked after overall export related activities with the Branches and SBP ensuring efficiency in accordance with audit compliance requirement
• Examination of documents, as per UCP-600 norms, presented for negotiation, raise necessary approval requests to credit committee and other departments
• Checking/ Preparation of MT-742 of export bills, claims lodged as per URR725
• Follow-up of export overdue cases with customers and with State Bank of Pakistan Adjudication Court
• Handling of all departmental reconciliation matters.

Centralization Of Trade Department and Implementation of Core Banking System (May
2012- July 2012)

• An active member of team, responsible for centralization of Trade department alongwith implementation of Core Banking System on Regional levels.
• My responsibility was to provide uninterrupted services for execution of day to day transactions, processed in a smooth manner despite of having two parallel banking systems
  running, without sacrificing customer satisfaction and strictly within domain of internal policies and procedures.

• Opening & checking of LCs and preparation of MT-700 (Foreign & Local) strictly adhering to the regulatory requirements and the prevailing UCP-600 norms
• Posting of Daily Activity vouchers & preparing approvals from regional and local credit committees for LC opening
• Intact written and verbal follow-up with banks, refer discrepancies/refusal by swift messages
• Handling Advance Payments & Open Accounts
• Obtain Credit Reports for new customer before opening the L/C & Maintaining records of insurance policies
• Monitoring issuance and redemption of shipping guarantees & Obtaining Trust Receipts from customers and acceptance on Bills of Exchange.

• Managed portfolio of $1.00 Billion of around 20 Corporate Clients
• Scrutiny of Export documents
• Negotiation of Export Documents
• Raise approval requests with local/ regional credit committee for financing
• Keep record/ follow up for payments of negotiated bills
• Realization of export payments
• Prepare fortnightly and monthly reports for submission to Regional office and Central Bank of Pakistan
• Reminders to importer’s bank for repatriation
• Responsible for ITRS reporting
• Prepared ITRS manual for branches.

• Worked as operations officer (Cash, Payorders, Cheque Clearing)
• Looked after the process of Exports form Eform certification till payment and issuance of PRCs and Annexure
• Worked as remittance officer
• Performed CASH Line product reconciliation on Hub level
• ITRS monthly reporting.