Kashif Zaffar Malik

• Establish risk-based audit programs ;
• Determine scope of review in conjunction with the Regional Head Audit;
• Detailing roles and responsibilities of audit teams;
• Manage the risk assessment and audit plan process;
• Management of all communication and correspondence prior, during and after the audit;
• Communicates audit progress and findings by providing information in status meetings ;
• Highlighting unresolved issues;
• Reviewing working papers; preparing final audit reports;
• Communicate findings to senior management and draft comprehensive and complete report of audit area
• Evaluate training needs while appraising Performance to improve HR capabilities; and Ensure compliance of bank’s approved policies, guidelines, manuals, procedures etc
• And government laws and regulations, IIA standards etc
• To make audit activity effective.

• Manage and monitor overall performance of the assignment;
• Facilitate communication with management;
• Conduct risk assessment of assigned department or functional area in established/required timeline;
• Review the suitability of internal control design
• Verifies assets and liabilities by comparing and analyzing items and collateral to documentation
• Completes audit work papers and memoranda by documenting audit tests and findings
• Communicates audit progress and findings by providing information in status meetings
• Highlighting unresolved issues
• Reviewing working papers; preparing final audit reports
• Communicate findings to senior management and draft comprehensive and complete report of audit area.

• Development of audit plan;
• Detailing roles and responsibilities of audit team;
• Management of all communication and correspondence prior, during and after the audit
• Manages Borrower assets according to investment preferences and goals;
• Completes audit work papers and memoranda by documenting audit tests and findings;
• Review client portfolios Communicates;
• Audit progress and findings by providing information in status meetings
• Highlighting unresolved issues
• Reviewing working papers; preparing final audit reports
• Communicate findings to senior management and draft comprehensive and complete report of audit area.
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• Manage and monitor overall performance of the assignment;
• Facilitate communication with management;
• Conduct risk assessment of assigned department or functional area in established/required timeline;
• Review the suitability of internal control design
• Verifies assets and liabilities by comparing and analyzing items and collateral to documentation
• Demonstrated strong organizational and time management skills while managing multiple projects.
• Communicates audit progress and findings by providing information in status meetings
• Highlighting unresolved issues
• Reviewing working papers; preparing final audit reports

• conduct review of controls and potential operational risks, evaluate operational effectiveness of existing controls and compliance with internal control procedures, policies and SBP Regulations and above all support to resolve issues prior to internal and SBP audits for developing management’s comfort level;
• Developed reporting format of RCSA for branches and NBE’s of the bank;
• Preparation of Checklist for RCSA implementation in line of COSO framework;
• Demonstrated a high level of initiative and creativity while tackling difficult tasks.
• Preparation of smart-sampling keeping in view the total population of each process;
• ON spot Evaluation and validation of Branch Entities and NBE’s on sample basis;
• To ensure completeness, accuracy, existence and quality of issues being highlighted through various review techniques;
• Prompt reporting of serious issues and to ensure communication of any high-risk violations that may lead to Fraud & Forgery or parallel banking to unit head for raising “Red Flags”

• Strategized with sales team to prospect and qualify potential customers within assigned geographic territories.
• Delivered campaigns to solidify new client opportunities and generate new business.
• Sustained and engineered deposit portfolio since inception in the bank with laurels from management.
• Performed client research and identified opportunities for account growth, account penetration and market expansion.

• Reviewed project specifications and designed technology solutions that met or exceeded performance expectations.
• As Software Engineer developed different Projects using Oracle / Developer, Visual Basic & MS Access; Crux of experience included Database, Application programming, with emphasis on Form Builder in Oracle / Developer.
• Worked with software development and testing team members to design and develop robust solutions to meet client requirements for functionality, scalability, and performance.

GPA: 3.30, GPA: 4.00

GPA: 3.37