Nazish Fareed

• Monitor and respond to each query referred to through AML & TBML Advisory emails.
• Maintain daily MIS for cases being referred for review and investigation.
• Assess and review TBML red flags referred by trade.
• Assess and review pricing alerts as per bank TBAML policy.
• Raise RFI where needed to trade and business for further clarification.
• Escalate to the manager for advise where needed.
• Assist Trade and BU for confirmation of overdue letters for trade client onboarding as per TBML framework.
• Raise query on behalf of the bank for overdue status of the client.
• Perform post investigation of TBML alerts.

• Managing transactions related to import, export and guarantees including processing transactions for Guarantees, Import LCs and amendments, Import Advance Payments, Import Open Accounts, and Import Contract lodgments, along with Export document under collections, amendments, cancellations, and reversals.
• Vigilantly ensured compliance with documentation as per State Bank of Pakistan (SBP) regulations.
• Efficiently addressing and resolving branch queries pertinent to trade ops.

• Conducted comprehensive quality assurance analyses on system-generated reports, ensuring adherence to regulatory and internal standards across Pakistan, and communicated weekly findings to Unit Heads, with copies to the Regional Head, to fortify process integrity and control mechanisms.
• Performed weekly reviews of physical files on a sample basis, promptly identifying and reporting discrepancies to respective Unit Heads for corrective action.

· Experienced Trade Operations professional with strong exposure to Import LCs, Bank Guarantees, and International Trade Services.

· Ensured strict compliance with SBP regulations, FE Manual, URDG, DOA, and TBML/AML requirements.

· Authorized and processed trade transactions while enforcing sanctions screening and risk controls.

· Conducted enhanced AML investigations and escalated inherent risks to management.

· Managed end-to-end LC processing including advising, confirmation, transfers, amendments, and reversals.

· Handled Local, Foreign, and Back-to-Back Bank Guarantees in line with group policies.

· Prepared MIS, SBP, and SWIFT reports with accurate GL reconciliation of LC liabilities and margins.

· Coordinated with International Division, correspondent banks, and IATA for confirmations and BG management.

· Maintained accurate documentation, EOD reconciliations, and proper archival of trade records.

· Delivered high service standards through effective workflow prioritization, customer support, and branch coordination.