MOHAMMAD ISMAIL
Branch Operations Manager
Rawalpindi,PB
Summary
Branch Operations Manager with a promotion path through banking operations and Islamic banking branch control. Leads SBP compliance, AML/KYC checks, audit readiness, and Shariah-aligned operations while supervising 20+ employees and improving productivity, service speed, and customer retention. Delivers zero compliance violations, 100% regulatory adherence, and strong control over high-value branch assets.
Overview
6
6
years of professional experience
Work History
Branch Operations Manager
United Bank Limited (Islamic Banking)
03.2025 - Current
- Directed daily branch operations in line with Shariah principles and SBP regulations, maintaining zero compliance violations during tenure.
- Coached team of 20+ employees, enhancing productivity by 15% and reducing service errors by 10%.
- Monitored and enforced risk controls on financial transactions, successfully preventing fraud attempts and safeguarding branch assets worth PKR 1000M+
- Supervised and coached a team of 14 employees, improving staff productivity by 15% and reducing service errors by 10%.
- Engaged clients proactively, increasing retention and repeat business by 12%.
- Enforced risk controls on financial transactions, preventing fraud attempts and safeguarding branch assets exceeding PKR 1000M.
Banking Services Manager
Allied Bank Limited
04.2024 - 02.2025
- Oversaw end-to-end branch operations, ensuring compliance with SBP guidelines and maintaining zero operational breaches.
- Streamlined coordination with Centralized Processing Units, facilitating 98% on-time document processing with minimal rework.
- Streamlined coordination with Centralized Processing Units, achieving 98% on-time document processing with minimal rework.
- Maintained audit readiness, securing consistent “Satisfactory” audit ratings in internal and external reviews.
- Enhanced customer experience by driving service excellence, reflected in 90%+ customer satisfaction scores.
Banking Services Officer
Allied Bank Limited
01.2022 - 03.2024
- Processed high-volume customer transactions (GL FTs, transfers, banker’s cheques) with 99.9% accuracy, ensuring smooth operations and customer satisfaction.
- Managed account opening, documentation, and compliance checks, achieving zero operational losses and strict adherence to audit standards.
- Processed high-volume customer transactions (GL FTs, transfers, banker’s cheques) with 99.9% accuracy, minimizing errors and delays.
- Collaborated with sales team to enhance deposit mobilization and cross-selling, resulting in 25% growth in branch deposits.
Management Trainee Officer
Allied Bank Limited
09.2021 - 12.2021
- Selected from 70,000+ applicants through rigorous nationwide recruitment process.
- Completed intensive cross-functional training covering account opening, trade finance, credit operations, and Temenos T-24, building a solid banking foundation.
- Achieved 1st Position in MDC Islamabad and 2nd Nationwide, highlighting strong performance and leadership potential.
Customer Facilitation Officer
Jubilee Life Insurance
11.2020 - 08.2021
- Processed CRM service requests, policy cancellations, and compliance reports with 99% accuracy, facilitating timely resolutions for clients.
- Handled customer inquiries and generated daily, weekly, and monthly compliance/operational reports, improving workflow transparency.
- Handled customer inquiries and generated compliance/operational reports, enhancing workflow transparency across daily, weekly, and monthly operations.
Education
MBA - Marketing
Bahria University
Islamabad01-2021
BS - Accounting & Finance
Bahria University
Islamabad01-2019
Skills
Core banking systems (Temenos T24, CBS SYMBOLS)
Cash & treasury operations
Branch operations management
Team supervision
Workflow optimization
Retail banking operations
Regulatory compliance (SBP, AML/KYC, Shariah banking, FATCA)
Operational risk & audit management
Client relationship management & retention
Process improvement
Customer experience management
Customer complaint handling
Timeline
Branch Operations Manager
United Bank Limited (Islamic Banking)
03.2025 - Current
Banking Services Manager
Allied Bank Limited
04.2024 - 02.2025
Banking Services Officer
Allied Bank Limited
01.2022 - 03.2024
Management Trainee Officer
Allied Bank Limited
09.2021 - 12.2021
Customer Facilitation Officer
Jubilee Life Insurance
11.2020 - 08.2021
BS - Accounting & Finance
Bahria University
MBA - Marketing
Bahria University