I

NTERNAL

Nadi
aHussain
Val
leyPar
k,Uni
t#0805Bl
ock479,
Singapor
e248364 +6583537147/ h3nadi
a@gmai
l
.com

Pr
ofe
ssion
al Aug-
22t
odat
e St
andar
dChar
ter
edBank Si
ngapor
e
Ex
peri
ence He
ad–Ope
rat
i
ona
lRi
sk&Ef
fec
ti
vene
ss,
Ent
erpr
i
seRi
skMa
nage
ment
 Leadthest
rat
egi
cthi
nkingac
ros
sEnterpr
iseRi
skManagement(
ERM)gl
obal
ly
toensureourpr
ocessesareopti
mis
edt oeff
ect
iv
elybal
ancecos
tandris
k
management.
 Over seet hei mplement ati
onofOper ati
onalRiskprocessesglobal
lyac rossERM,
ens uri
ng t hatt he f unc t
ion mai ntains ful
lc ompliance withthe ORTF and
effectivel
ymanagest heoperationalr i
skwithi
nthet eam processes,whi l
stalso
ens uri
ngt hatt hes t
rat egi
cagendaoft hefuncti
oniss upport
edbyt hisac t
iv
ity
.
Wor kwi t
ht heERM ManagementTeam ( MT)ens urethatweoper ateef f
ec t
ivel
y
andef fi
cient lytomanageouraggr egat eoperat
ionalri
sk.Ac tasLeadat eam
prov i
dingi ndependentt esti
ngofc ontrol
sandpr ovideani ndependentv iew of
thel evelofoper ati
onalr isktot heGl obalHeadERM.Wor kwi t
hGl obalHead
ERM andERM MTt oens urethatr epor t
sprovi
dedi nrel
ati
ont oOperat i
onalRisk
prov i
deappr opri
atelev el
softrans par ency.
 Over
seecompli
anceto applicabl
er is
kr egulat
ionsand Lead thePrudenti
al
Compli
anc
eFramework( PCF)attest
ationf orallchapter
sownedbytheGl obal
HeadERM,ensur
ingthatwec omplywi tht herequirement
sandensuri
ngt hat
i
denti
fi
edgapshavec learandac hievablepl ansf orremedi
ati
on.Workwi th
membersofERM MTt oagr eethesepl ansandes calat
edir
ect
lytot
heGl obal
HeadERMwhererequi
red.
 Actassubj
ectexper
tfort
heERM MTi
nrel
ati
ont
oef
fect
iveandef
fi
cient
cont
rolenv
ironment
.
 Coor
dinat
egl
obal
gov
ernanceandt
ransf
ormat
ioni
nit
iat
iver
elat
edt
ori
sk
management
 Provi
deani ndependentandaggregat
eviewoft
hel
evel
ofoper
ati
onal
riski
n
theERM functiontotheGlobal
HeadERM andmoni
tort
oensur
ethat
miti
gati
onpl ansareimplementedasagr
eed.
 Conduc
tri
skmanagementChampi
onf
orGl
obal
ERMt
eam
 Enhanceris
k and cont
rolmonit
ori
ng and engage i
nr epor
ti
ng proces
s.
Coordi
nat
eongover
nancedel
i
verabl
esformul
tipl
ec ommi
tt
eestos uppor
tri
sk
management

Aug-
19t
oJul
2022 St
andar
dChar
ter
edBank Mal
aysi
a
He
ad–Bu
sin
essRi
skMa
nag
eme
nt,
Con
sume
r,Pr
i
vat
ean
dBu
sin
essBa
nki
ng(
CPBB)
 Responsi
bl
et o monit
or and mi
nimize oper
ati
onal los
ses and upk eep
managementcont
rol
sawarenes
sandi nconj
uncti
onwithregionalCOOsand
Global
HeadofBRM,ensur
eappr
opr
iat
efocusonri
sks/i
ssuesandr es
olut
ions.
 Headi
ngateam of18Bus i
nessri
skmanagerstodeli
verthecor
eobj
ecti
veon
busi
nessr
iskmanagementtoder
iveandhelpimpl
ementtheCPBBPol
ici
esand
fr
ameworki
nc ount
rywi
ththehel
pofrespec
tiv
eproces
sowners.
 100%Ac ceptabl
eaudi
tsforl
as tt
woyear
sandful
lyengagewithr
elev
antaudi
t
teams(i
nternalandext
ernal
)repor
tfi
ndi
ngsac
ros
st herel
evantf
uncti
onsand
ensur
efeedbac ki
sact
edupon.
 Faci
l
itat
eaf r
ameworkforef
fec
tiv
emanagementofpr inci
pleris
ksac r
ossthe
CPBBc ount
rybusi
nessandi
nc ompli
anc
ewi t
happli
cableint
ernalpol
ic
iesand
ext
ernall
aws&regul
ati
onsac
rossourmarket
s(i
ncl
udi
ngConduc tandICS).
 Ov
eral
lmanagementofOper
ati
onalRi
skpr
ofi
l
eforCPBBaswel
lasCCI
B(ME)
I
NTERNAL

v
iapart
ici
pat
inggr
oupwideprocessuni
ver
seref
res
h,i
mplement
ati
onofORF(
or
s
imil
arfr
amework)andothernon-
fi
nanc
ial
ri
skmanagement.
 Ful
l
yi mplementedEnt
erpri
seRiskManagementFrameworklink
edt oCPBB
busi
nes st oensur
eappropri
atef
ocusonbuil
di
ngstrongris
kappeti
te.Pl
ayed
i
nst
r ument alr
oleinensuri
ngCPBB’sgrossandresidualr
iskprof
il
eiswell
maintained.
 CountryCPBBChampionforConduc
t(Dr
ivetheRBc onductagendagl
obal
l
yand
acrossregi
ons
,ens
uri
ngthatGroupandregulat
oryexpect
ati
onsaremetacros
s
theenti
reCPBBbusi
ness)
 I
nt egrat
ionofWeal t
hmanagement ,CCIB(MEpor tfol
io)andCr editri
skteam to
overseesal lt
her i
skmanagementt ask
s .Embedt heGr oup’
sv aluesandc odeof
conduc t,asitr
elatestotherol
eremit
,toens ur
et hatadherencewi ththehighes
t
standardsofet hics,and compli
ancewi threlevantpol i
cies,processesand
regulati
onsamongempl oyeesfor
m partoftheculture.

Oct
-17t
oJul
-19 St
andar
dChar
ter
edBank Mal
aysi
a
He
ad–Bu
sin
essOp
era
ti
ona
lRi
skMa
nag
er,
Ret
ai
lBa
nki
ng
 Leadthroughexampleandembedt heGr
oup’sval
uesandcodeofc onductint
he
Operat
ionalRis
kf unct
iontodriveadherencewiththehighests t
andardsof
ethi
cs,andcompli
ancewithrel
evantpol
i
cies,pr
ocess
esandr egul
ati
onsamong
employees.
 Maintai
nagoodunder st
andi
ngoft herequi
rementsoftheGroup’
skeyex
ter
nal
st
akeholder
si nr
espectofoperat
ionalri
skmanagementandens uret
heseare
wel
l under
stoodi
nter
nal
lyandrefl
ectedi
nint
ernalpr
ocedures
.
 Over
seeas s
uranceplanandoperat
ionalri
s kmanagementimplementat
ionfor
r
iskassoc
iatedtoRetai
lBanki
ngfac
ili
tat
ingthes i
mpl
if
icat
ionoftheoper
ati
onal
r
iskfr
amewor kt
hroughdevel
opmentandex ecut
ion
 Coll
aborateontheRetai
lBanki
ngagendatoens
ur eiti
sfi
tforgr
owthandwithi
n
operat
ionalri
skappetit
e.Suppor
ttodeli
verRetailBank
ingStr
ategy;Rev
enue
tak
eof f,
BalanceSheetmomentum andEx
penseManagementdiscipl
i
ne
 Headi
ngateam of22Oper
ati
onal
ris
kmanager
stodel
i
vert
hec
oreobj
ect
iv
eon
r
iskmanagement
 Keyproj
ects
:Enter
pri
serisk management
,OCIR,ORF,GDPR,RB Conduc
t
fr
ameworkand DSS gov
ernanceframeworkt
o bef ul
l
yimplement
ed asa
Count
ryChampi
on

Feb-
14t
oSep-
17 St
andar
dChar
ter
edBank Mal
aysi
a
Se
niorOper
ati
onal
Ris
kMan
age
r–Re
tai
lBa
nki
ngi
ncl
udi
ngDi
gi
ta
lBa
nki
ng,
Cli
entEx
per
i
enc
e,Bu
sin
essBa
nki
ng&
Cust
omerDueDil
i
gence
 I
mpl ementedkeyOpsr i
skmeas ur
esonRet ai
lBank
ingPr
oducts
,Segments
,
Business Bank
ing and Digit
alChannel
s oper
ati
ons -pr
oces
ses abi
de by
countri
es’
regul
ati
ons,pol
ici
esandproc
edures
.
 Desi
gn and c onduct
ed ri
sk as
ses
s menton an ongoi
ng basi
s.Conduct
ed
t
hematicrevi
ewsandas sessCompl
iancewi
thGrouppoli
ci
es,
regi
onal
andlocal
r
egul
atoryguidel
ines
 Keyac hievements:CCPL/Mor t
gages/Referr
erMgmtauditwhereal
laudit
i
s s
ueswer es uccessful
l
yc ompl
etedandc
losedfor2014/2015/2016rel
ated
toRetailBanki
ngPr oducts
.Impl
ementedst
rongcontr
olbookt
oolt
ostr
engthen
theregulat
oryri
skframewor k
 Over
seeassurancepl
ani
mpl
ementat
ionforr
iskas
s oci
atedt
oRetai
lPr
oducts&
Weal
thfac
il
itati
ngthesi
mpl
i
fi
cat
ionoftheoperat
ionalri
skfr
ameworkthr
ough
I
NTERNAL

dev
elopmentandex
ecut
ion
 Prov
ideabalancedandinf
ormedas
ses
smentofal
loper
ati
onalr
isk
sar
isi
ng
fr
om acqui
si
ti
onsormaj
or
changeini
ti
ativesorproj
ect swit
hint
hecountr
y.Pr
oacti
vel
yadvanc
e si
ntegr
ate
dconcept
sand
us
eoft echnology
.Parti
cipate
sinmaj orRe
tai
lBanki
ngbus i
nessini
ti
ati
vesandpro-
act
ive
lyadv
ise
sthe
busi
nessonc hangeini
ti
ati
ves
 Per
iodi
cal
lyasses
st hecount
ryoper
ati
onalr
iskpr
ofi
l
etomai
ntai
nal
i
gnment
wit
hthecount
ryri
skappet
it
e.
 LeadChampionf
orRet
ail
Banki
ngOperat
ional
ris
kframewor
k/Extended&AML
ORFrol
l-
outandwor
kedonimpl
ementati
onofthedepl
oymentmodelincount
ry
 Workc l
osel
ywithOperat
ionsandCr
edi
tri
skonpol
i
cymat
ter
saf
fec
tingt
he
Ret
ail
Bank i
ngpor
tf
oli
o
 Leadst
hepr
ofes
sional
dev
elopmentofi
nter
nal
staf
fasc
urr
ent
lyhav
eat
eam of
8membersr
eport
ing

Oct
-12t
oFeb-
14 St
andar
dChar
ter
edBank Si
ngapor
e
Se
niorMa
nag
er,
Cha
nne
lsOp
sri
sk&g
ove
rna
nce–Gr
oupDi
gi
ta
lBa
nki
ng
 I
mplementedkeymeas urestodri
veexemplarychannelgovernanceframework
atGroup&Countryl
evelandenhancedexis
tingdigi
talchannelsoperati
onsand
proc
esses abi
de byc ountr
ies
’regul
ati
ons,polici
es and pr ocedur
es (Ret
ail
Banki
ngProduct
s).
 Desi
gn and pr
oac
t i
vel
yi mpl
ementc
hangemanagements
chemesi
ncl
udi
ng
t
rai
ni
ng,communicati
on,and
c
oll
aborat
ionamongc ountr
yandgrouplev
elteams.Keyachi
eve
me nt
swer
emonthlyUORM cal
ls,
ORt ools
,
r
egul
atoryri
skas se
s s
me nts
,audi
ts oc
ial
izat
ionproc
ess,new pr
ocessl
aunc
hc heckl
i
st,di
gi
talbanking
s
ervi
celevelmanagementetc.
 Pr
oact
iveengagementinkeygovernanceforum andpr
esentedappr
oachpapers
/dashboards on Channelrel
ated risk
s/i
nit
iati
veinIntegrat
ed Di
str
ibut
ion
pr
ocessgover
nancecommi t
tee(
PGC) ,CECinputs
 Dev
elop,r
evi
ew andenf
orc
eMinimum cont
rolst
andar
dsfordi
gi
talbank
ing–
Onl
i
ne,Mobil
e&ATManddr i
vec
onti
nuousimprov
ementoft
hesame
 Leadf r
ameworkonmechanis
msandr egul
arl
ymoni
torr
isk
si nt
hes ecur
it
y&
fr
aud s ol
uti
onsf
ormit
igat
ing t
he r
iskand inr
educi
ng fr
aud and s
ecuri
ty
i
ncidents
 Worked on I
mplementi
ng a modelthatwilldri
vesgovernanc
e ofpoli
ci
es,
st
rat
egi
es rel
ated t
o Publi
c websi
te and Onl
ine Sal
es as wel
las ser
vic
e
managementofthechannel
 I
mplementedregul
ator
yris
kassessment
/contr
olf
rameworkformit
igat
ingthe
r
isk atthe c
ountry /group l
evelas wellas sec
uri
tyinci
dentresponse
managementf
ramewor k

Dec-
09t
oSep-
12 St
andar
dChar
ter
edBank Si
ngapor
e
Au
ditMa
nag
er–Re
tai
lBa
nki
ngPr
odu
ct
 Managesaudi tacti
vi
tiesf orac omponentofapr oduc tli
ne,functi
onatt he
regi
onalorc ount
rylevelaspar toft heauditannual plan.Leadallaspectsofri
sk
basedr evi
ewsoff unc t
ionalareasc ov er
ingRet ai
lBank ingPr oduct
s,Wealth
Mgmt&Cr editr
isk(cover i
ngCr editc ards
,Per s
onalLoans ,Auto&Mor t
gages
andCons umerf inance),Smal l&Medi um Enterpri
se( SME)Bank i
ng,Ris
kand
AML/ CDD,FCC &Sanc tionss creenings y s
tem inl inewi t
ht heagreedaudit
methodologyandr eporti
ngs tandards
 KeyI
nter
nalaudi
tsc
onduc
tedi
nmaj
ormar
ket
s:HongKong,Si
ngapor
e,Kor
ea,
I
NTERNAL

Malaysi
a,Tai
wan,China,Thai
l
and,Qatar
,UAE,Paki
stanandUganda.Pr
oduct
cover
agewasCr edi
tCards,
Personal
Loans,
Auto&Mor t
gages
,Small&Medi
um
Enter
pri
ses;Ri
sksbasedaudits–HR,Cr edi
tri
sk,Compli
ance,FCC/AML&
Sancti
onsetc.
 Actasl iai
sonwi thmanagementt o ensuref ullunderstandi
ng ofbusi
ness
str
ategy,plans,products,perf
ormanc
eandr i
sk-rel
atedissuesatbus i
nes
sunit
l
eveland c ommuni cati
ng thesetot he r
elev
antf unct
ionalteam member s
.
Developsef f
ect
iv
es eni
orl i
nemanagementr elati
onshi
psandhasas tr
ong
understandingofthebus i
nesses
 I
dentif
icationofemer gingrisksands haringwi t
hbr oaderGI A( Keyiss ues–Ant i
MoneyLaunder ing/Cus t
omerDueDi li
genc e,Sus piciousac ti
vit
y/t rans
ac ti
on
monitoring,FCCal er
ts/s cr
eeningpr oc ess,Collectionsr elatedr i
sk,Pr e-
s i
gned
bl
anki ns t
ruct
ions,Operati
onalri
s kframewor k/tr
aining, Creditriskissuesr el
ated
toCreditCar d&Per sonalLoans ,Mor tgages ,ManagementI nformat i
oni ssues
etc
).Pr ovideas sess
ment sont hes tateofc ontrol
sandemer gi
ngr iskswi thin
busi
nes sunitsandc ountryandpar t
icipatesinmaj orbus i
nes sinit
iat
ivesandpr o-
acti
vel
yadv i
sesandas s i
ststhebusines sonc hangei niti
ativ
es
 Developsandexec
ut edrobustaudi
tplan,byrevi
ewableenti
ty
,forassi
gned
business
esinac
cordancewithI
nter
nalaudi
tst
andards
,rel
evantr
egul
ati
onsand
grouppoli
ci
es
 ActasOperati
onalri
skchampionf
orRetai
lBanki
ngProduct
sinGroupI
nter
nal
Audit
.Wor kedwithsecondlineoper
ati
onalri
skteam inplanni
ngandrisk
assessmentatt
hegrouplev
el.
 Usesexcel
l
entc ommuni
cat
ions
kil
l
sinor
dert
oinf
luenc
eawi
der
angeof
i
nter
nal
audienc
es

May
-08t
oNov
-09 St
andar
dChar
ter
edBank Kar
achi
,Paki
stan
Op
era
ti
ona
lRi
skMa
nag
er–L
end
ing
(CC/
PL/
A&M)
/Cr
edi
t
/SQ
 Keyplayerint
hes et
-upoftheoperati
onalri
skmanagementfunc
tionf
orthe
bank.Sharedandpromotedbestpr acti
cesinoper
ati
onalr
iskmanagement
acros
sthebank.Keyachi
evement
:PassingofCCPLaudi
t
 Developandmai nt
ainanov eral
loper
ationalr
iskmanagementf r
ameworkthatis
i
nl i
newi t
hthebank'sris
kands t
rat
egicpoli
cies.Conduct
edwithgui
dancefrom
Groups peci
al
ist
s,as t
resstestands c
enar i
oprogrammef oroper
ati
onalr
isk[as
partofICAAP],
revi
ewt heresult
sandas sesstheiri
mpli
cat
ions.
 Lead and c
oor di
nat
et r
aini
ng ef
for
tst
o pr
omot
eri
sk managementand
compl
iancecul
turewi
thi
ntheBusi
ness
 Coor
dinat
edwit
hr egul
ator
s,exter
nal/int
ernalaudi
tor
sandot
heri
nter
est
ed
par
ti
esonoper
ati
onalri
skrel
atedmatter
s
 Perf
ormedrobustr
iskass
essmentsofrel
evantbusi
nessar
easandprepar
ea
ri
skbas edaudi
tplancover
ingkeyri
sksandc ont
rol
sbasedonthoser i
sk
assess
ments
 Enl
i
stedonthebank’
s‘Hi
ghPot
ent
ial
’pr
ogram desi
gnedf
orac
cel
erat
ed
l
eader
shi
pdevelopmentc
over
ingonl
y5%ofstaf
finPaki
stan.

Dec-
05t
oApr
-08 Ci
ti
bankN.
A. Kar
achi
,Paki
stan
Cou
ntr
yCon
trol
Man
age
r–GCGCr
edi
t
 Devel
opedanunderst
andingoft
hei
mpor
tanc
eofani nt
egr
atedauditapproach,
whi
leworkingwi
thris
kmanagementuni
tineval
uat
ingands t
rengt
heningtheir
sel
fasses
smentprogram
 Embedded t
he GCCFRP i
n al
lthe Cr
edi
tuni
tand as
sis
ted i
n al
laudi
ts
I
NTERNAL

i
ncorporat
inguseofris
kas ses
smentt
echni
quesandac
count
ingpr
inc
ipl
es–
spec
iali
stforc
redi
tri
skaudi
ts
 Ensure al
lCredi
ts t
affar
etr
ained f
orCompl
i
anc
e,r
egul
ator
y as
pec
t&
I
nformati
onSecur
it
y
 Assi
stedtheteam member si
ni dent
if
yi
ngr
isk
sinc
ompl
i
anc
ewi
thc
orpor
ate
st
andardsandregul
ator
yrequi
rements
 Used avai
l
abl
etechnologyto appropr
iatelyi
mprov
epr oc
essesand wor
ked
di
l
igentl
yonmont
hlyregional
repor
ti
ngrelatedt
ocont
rol
,MISet
c
Pe
rson
alL
oan
sIn
it
ia
ti
onMa
nag
er
 Tomanaget hePI LIni
ti
ati
ons hopandens urethatalldepartment
alcontr
ol
funct
ionsareperfor
medi nat imelyandqualit
yfashionwithoutanyprocess
sli
ppage,backl
ogordisrupt
ions
.Implementideasorresol
vepr obl
emsthatare
i
nt heint
eres
tofthebusi
nessandt hefr
anchi
se.
 Adher
enc
etoTATr
equi
rementofappl
i
cat
ionspr
oces
singanddec
isi
ons
.
 Workt owardsimpr ovementofapprovalratesandprovi
dequar t
erl
yfeedbac
k.
Joi
ntl
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nessfortarget
ssetinPlan,ANRv ol
umeand
NCLfigures,del
iver
ingprofi
tabi
l
it
ygrowthatat ot
alandsegmentslev
el.
 Managi
ngadedicatedteam of15analystand15supportst
affofper
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loans
f
orappli
cat
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ng.Ac hieved t
he tar
getof4000 PI L.Successf
ull
y
managedt
heInt
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ernalauditf
orCredi
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 Demonstr
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ti
ati
ves and creat
iv
it
y by i
mpr
ovi
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ist
ing pr
oces
ses
,
enhanc
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it
yandreduc
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 Suc
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sful
l
ymanagedt
heI
nter
nal
/ex
ter
nal
audi
tforCr
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tandpas
sedARR.
Pr
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Man
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ni
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at
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it
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tf orCr
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aini
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Compli
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uret he c
ompl
eti
on ofRCSA,c
apac
itypl
anni
ng on r
equi
red t
imesand
maint
ainCOBofal
luni
ts.
 Ensur
etohel
pal
luni
tsuper
vi
sor
sforbet
teraudi
trat
ingi
nal
laudi
tsi
.
e.ARR,
QA
andSBP
 Hi
re,trai
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eam t
o per
for
m i
dent
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ied c
ont
rolf
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tionsf
or
I
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 Major achi
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on through processr eengi
neer
ing,
el
i
mi nat
ion&automati
onofk eypr
oc ess
es.37% reduct
ioninprocessi
ngturn
ar
oundtimeandimplement
edPre-
Screeni
ngunitforCr
edi
tcards.
 I
mplementedMISmodeltomonit
orc
ent
reper
for
manc
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oor
dinat
ewi
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uni
tsuper
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 Demonst
rateini
ti
ati
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it
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,enhanc
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pr
oduct
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,reduci
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ingc
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tqual
i
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nalluni
ts.
 Back
-upforCIUHead.Prepar
epr
oces
srel
atedpr
esent
ati
onsf
oral
luni
tshav
ing
cr
oss-
funct
ional
int
erac
tion.

Dec-
04t
oDec-
05 Ci
ti
bankN.
A. Kar
achi
,Paki
stan
Pr
oj
ectMa
nag
er-
CBM
 Wor
kedasac
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off
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s/tas
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venbytheCBM
 Ensur
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ernalandex
ter
nalcustomeris
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thi
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meand
proac
tiv
eacti
onst
akenonc ust
omercomplai
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.Cus t
omerSer
vi
ceChampi
on
I
NTERNAL

f
orCBM'
sof
fi
ce.
 Res
pons
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eforal
lbus
ines
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for
med k
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ines
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di
ff
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ocati
ons

Apr
-04t
oDec-
04 Ci
ti
bankN.
A. Kar
achi
,Paki
stan
Comp
li
anc
eOf
fi
cer
 Assis
ted t
he Countr
y Compli
ance Head i
nf ul
fi
l
li
ng hi
s/ herc omplianc
e
res
ponsi
bil
i
ti
es.Ensur
edthatCompl
iancei
ssuesar
eappropr
iat
elyes
c al
atedas
andwhenneeded
 Diss
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anc
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s,r
espons
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l
it
ies and i
nfor
mat
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updatestoall
Bus
ines
sUnit
s
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countr
yCompliancepoli
ci
esandpr ocedur
escov
eri
ngappl
i
cabl
e
USandl oc
allawsandr egulat
ions
,Citi
grouppoli
ci
esandCodeofConduct.
Conduct
ed and revi
ewed the Compliance Sel
f-
Asses
smentand bus
ines
s
rev
iews.
 Devel
op,
impl
ement
edandc
onduc
tedgener
alands
pec
ifi
cCompl
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anc
eTr
aini
ng
pr
ograms
 I
mpl
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iv
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anc
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an and pl
ayed an
i
mpor
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 Hadbeenpar
toft
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ed/
pas
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twi
thf
ly
ingc
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s
 I
mpl
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ramewor
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net
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andl
ocal
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ds
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ighton r
isk pr
ofi
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cal
ati
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srel
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o
SAR/Sanct
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Aug-
02t
oMar
-04 Ci
ti
bankN.
A. Kar
achi
,Paki
stan
Cu
stome
rRe
lat
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onsMa
nag
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alesChampi
onf
ort
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anc
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 Wor
kedasanac
tingBr
anc
hManagerandc
ash/br
anc
hoper
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 Sol
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citnew busi
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ncr
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or
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ponsibl
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ask
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it
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 Respons
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signment
s/pr
ojec
tsandmanagedt
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ser
vicet
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orthebranch

St
rongleader shipskil
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tyt omot iv
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ayer
Maj
or Abi
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St
rongv erbalandwr itt
encommuni cati
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skil
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abili
tytocommuni cat
eand
St
ren
gth
s pr
esentcompl exissuesef f
ectiv
elyatalll
evelsintheor ganizati
on.
Underst
andingofkeybusi nessdr i
versanddy nami cs:abili
tytoassesscr i
ti
caloperati
onalr
isksand
pr
agmat ical
lyappl ycorporatepract
icestoaddr esst hoser i
sks.
Demonst rat
esst rongjudgment andsensit
ivit
ytocul t
uraldiversit
y

Ed
uca
ti
on 1993 KarachiUni
ver
sit
y Paki
stan
Bach
elorofSc
ien
ce(
Pre
-Eng
g.)
 Fi
rstDi
vi
si
on(
Mat
hs-
Cal
cul
us,
Mec
hani
cs,
Stat
s&Phy
sic
s)
I
NTERNAL

Ac
hie
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nts AwardedCit
igr
oupQual
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dawardonCompli
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evements
Sur
priseAward
SCBTRPawar ds

Re
fer
enc
es Tobef
urni
sheduponr
equest