Aysha Khaliq, Manager Personal Banking

Aysha Khaliq

Manager Personal Banking

Scotiabank

Location
Canada
Education
Master's degree, Economic Development
Experience
21 years, 6 months

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Work Experience

Total years of experience :21 years, 6 months

Manager Personal Banking at Scotiabank
  • Canada
  • My current job since April 2015

• Lead and develop a team of Financial Advisors and Senior Financial Advisors who deal with investments, protection, and credit portfolio
• Act as a Branch Manager in the absence of Branch Manager
• Design branch campaigns and rewards to focus on the specific gap in order to motivate team and contribute to over all the branch success
• Recruit team members, promote them, and responsible to evaluate and monitor their performance
• Arrange on-going skill building sessions for the branch to keep up-to-date with the product knowledge, rules and regulations regarding internal and external operations, credit, protection, and investment
• Organize a daily morning sales meeting with the focus plan and review the team goals and progress
• Execute entire branch meeting twice a week to appreciate specific efforts, recognize and reward success, and share the focus of week
• Work closely with wealth management, commercial and small business departments to refer business
• Review management reports including significant transactions/ abnormal trends, overdraft, mortgage management exception, and credit card/ line of credit management exception reports
• Manage and minimize the bank's exposure by adhering to compliance including investment (both term deposit and mutual fund compliance), credit, Privacy act, Anti-Money Laundering (AML), Foreign Account Tax Compliance Act (FATCA), Know Your Customer (KYC), Canada Deposit Insurance Corporation (CDIC), Financial Consumer Agency of Canada (FCAC), and Occupation Health and Safety
• Ensure strict adherence to bank security procedures including assigned authorities and limits
• Escalate fraudulent activities, unusual occurrences, and deficiencies to the relevant departments and follow up on them
• Work on different projects and present reports to the senior management, explain the standings of results, share the best practices, highlight gaps, and discuss the upcoming business opportunities

Senior Financial Advisor at Scotiabank
  • Canada
  • September 2014 to April 2015

• Dealt with premium banking customers’ portfolio including investments (bonds, stocks, and mutual funds), big deposits, lending and retail products
• Managed a portfolio of 500 million Canadian Dollars for 750 premium clients
• Monitored national and international financial affairs, stock market trends, fluctuations, and made recommendations to clients for optimal profitability matching with their risk level and objectives
• Designed and implemented financial plans, prioritized clients’ financial objectives, offered various solutions to achieve financial goals
• Reviewed the clients’ financial plans regularly, recommended a change(s) based on the significant changes in life of clients and financial market, and supervised to ensure the success of plan
• Advised the clients on lending needs and protection (mortgages, loans, lines of credit, credit cards, and re-financing)
• Recommended investment solutions for growth along with the retention for both personal and business accounts (such as term deposits, mutual funds, and other deposit solutions)
• Analysed risk management (personal risk vs. national and international market risk), asset management (bonds, stocks and mutual funds), retirement portfolio (registered and non-registered), education savings plan for children, power of attorney and estate planning
• Protected bank and clients against both internal and external fraud by monitoring the client transaction activities and an unusual financial behaviour
• Trained and supervised junior staff in order to increase the productivity overall

Financial Advisor at Scotiabank
  • Canada
  • June 2012 to August 2014

• Focused on the growth and retention of large investments and complicated lending portfolio
• Managed a book of 250 million Canadian Dollars for over 400 high net-worth professional and self-employed individuals
• Assessed client goals related to debt and investment and recommended comprehensive financial solutions
• Developed and nurtured the book of clients through effective marketing strategies such as cold calling, networking, prospecting, presenting bank on different events, asking referrals from the existing clients and coaching co-workers to find opportunities
• Established solid relationships with the local corporate clients in order to optimize cross sell opportunities - successfully managed gaining a profitable business not only for personal banking but also for Small and Medium Enterprise
• Monitored the global markets and stayed aware of economic aspects by continuing education and attending conferences - this resulted in achieving optimal profitability goals for the bank

Senior Perosonal Banking Officer at Scotiabank
  • Canada
  • January 2012 to May 2012

• Managed a portfolio of 150 million Canadian Dollars for 300 clients for their complex lending requirements and referred quality investment opportunities for Financial Advisor (FA)
• Minimized risk by verifying accuracy and legitimacy of documents to meet the conditions of credit applications and analyzing financial statements to match the information provided on applications
• Coordinated with legal, compliance and underwriting teams closely in order to have smooth and effective turned around time for customers’ transactions
• Promoted multi-cultural banking successfully for the professionals new to country, guided them about Canadian banking and built the strong business relationship
• Monitored of portfolio keeping in view of fraud losses, security measures, anti-money laundering, and audit policies and procedures

Personal Banking Officer at Scotiabank
  • Canada
  • August 2010 to December 2011

• Uncovered day to day financial needs and found appropriate solutions such as bank accounts, savings plan, credit cards and loans - managed a portfolio of 20 million Canadian Dollars
• Reviewed overdrawn accounts on daily basis and made decisions whether pay or not pay the transaction based on the financial relationship

Customer Sales Rep at Credico Marketing Inc
  • Canada
  • April 2008 to May 2009

• Worked for the Bank of Montreal credit cards’ department to promote new credit cards
• Managed multiple locations individually and trained junior team members effectively

Commission Sales Representative at JW Research Ltd
  • Canada
  • July 2005 to November 2007

• Worked for the Bank of Montreal and Alberta Treasury Branch credit cards’ department to market new credit cards or upgrade existing credit cards into premium credit cards
• Involved in the hiring decision process and provided training to the new employees
• Offered a supervisory role due to the exceptional management skills and outstanding financial results

Education

Master's degree, Economic Development
  • at Cape Breton U niversity
  • October 2010

Specialties & Skills

Marketing
Finance
Banking
Management
Microsoft Office

Languages

English
Expert
Urdu
Expert
Hindi
Expert
Punjabi
Expert

Memberships

McKenzie Towne Community Association
  • Treasurer
  • September 2012
South Asian Professionals Network
  • Founder
  • August 2012

Training and Certifications

Canadian Securities Course (CSC) (Certificate)
Date Attended:
January 2009
Financial Planning (FP) I and II (Certificate)
Date Attended:
January 2012
Certificate in Financial Services Advice (Certificate)
Date Attended:
January 2011

Hobbies

  • Learning different skills
    Being a member of Real Estate Investment Network, Treasurer of McKenzie Community Association, Founder of South Asian Professionals Network, The Board of Director at The Pavilions of Richmond Hill (244 units), and Member and Secretary at Toastmasters Fun Speakers Club
  • Traveling
    Have been to the several states in the USA, Canada (including western and eastern coast), UAE (Dubai, Abu Dhabi, Al Ain, Sharjah), Saudia Arab, Oman, Egypt, Thailand, Caribbean, England, Scotland, France, Germany and many more
  • Social Committee, Scotiabank, Edmonton/ Calgary, Alberta
    • Social Committee member 2013 - 2015 arranged various social events for the branch • Scotiabankers Liaisons Officer 2011- 2012 helped Scotiabankers Board of Association to communicate with over 80 employees in Edmonton Main Branch
  • Extra involvement - Founder, South Asian Professionals Network, Calgary, Alberta
    • Organized a formal meeting every month with like-minded professionals (over 300 members)
  • Board of Director, The Pavilions of Richmond Hill, Calgary, Alberta
    • Reviewed monthly report represented by the unit management (244 units), hired contractors, maintained the regulatory requirements and examined financials
  • Member and Secretary, Toastmasters Fun Speakers Club, Edmonton, Alberta
    • Toastmasters member - enhanced public speaking skills and increased self-confidence • Secretary - took minutes, dealt financials, and made decisions using my leadership capacity
  • Community involvement - Treasurer, McKenzie Towne Community Association, Calgary, Alberta
    • Deal with the financials and meet with the councilor and the representative from the City of Calgary every month to address the challenges of over 16K McKenzie residents