Operations Analyst
Dunia Finance LLC
Total years of experience :20 years, 4 Months
Fraud & Authorization Officer - Fraud & Risk Control Unit (Nov 2015 till Date)
Accountable for managing Credit Risk and prevent & control from fraud.
Monitoring of all credit cards transactions and observing various customer transactions to flag or identify suspicious activity
Maximize customer satisfaction levels through prompt resolution of business queries.
Review / scrutinize the documents and approve or reject for any credit to be disbursed to the customer.
Focus on minimizing risk & fraud elements in transactions.
Manage and control the process to mitigate risk factors and reduce the TAT of transactions.
Auto Credit Underwriting Support Analyst-Underwriting Operations (Apr 2014 - Nov2015)
Support auto credit underwriters in making credit analysis sheet.
Reviewing financial statements, credit reports, and applicable ratios (Debt to Burden and loan to value).
Examining transactions to ensure accuracy and completeness.
Ensuring that documents are consistent and uphold to company and Central bank guidelines.
Implementing fraud detection techniques and performing compliance reviews.
Work in partnership with the team leader to achieve team and unit goals.
Coordinate with CPV (Contact Point Verification) team for CPV initiations and all credit checks as per central bank requirements.
Preparation of all daily, weekly and monthly MISs.
Accountable for managing Credit Risk and prevent & control from fraud.
Monitoring of all credit cards transactions and observing various customer transactions to flag or identify suspicious activity
Maximize customer satisfaction levels through prompt resolution of business queries.
Review / scrutinize the documents and approve or reject for any credit to be disbursed to the customer.
Focus on minimizing risk & fraud elements in transactions.
Manage and control the process to mitigate risk factors and reduce the TAT of transactions.
Support auto credit underwriters in making credit analysis sheet.
Reviewing financial statements, credit reports, and applicable ratios (Debt to Burden and loan to value).
Examining transactions to ensure accuracy and completeness.
Ensuring that documents are consistent and uphold to company and Central bank guidelines.
Implementing fraud detection techniques and performing compliance reviews.
Work in partnership with the team leader to achieve team and unit goals.
Coordinate with CPV (Contact Point Verification) team for CPV initiations and all credit checks as per central bank requirements.
Preparation of all daily, weekly and monthly MISs.
Efficiently and effectively manage, handle and supervise all operational functions of the branch in line with the applicable rules, procedures and controls. Managing, supervising, handling and ensuring error free day-to-day branch operational functions related to areas of Cash, GL, Suspense Accounts, Term Deposits, Lockers, ATM, SMS alerts, Security Stationary, General Services, Communications, Security, Financial & Trade services. Review of all critical system & GL reports. Joint custodian of vault and safes including numbered stationery. Reporting and coordination with Cluster Operations Manager & Head of Branch Operations for adherence to SOPs. Also timely reporting of any suspicious / irregular transaction(s) Supervising, monitoring and authorizing daily financial and non financial transactions. Ensuring that customer’s queries and complaints are resolved in time, depending upon the nature of complaint. Strict compliance of Checklist provided by Head Office. Internal/ External Audit observations rectification on time and avoid recurrence. Maintenance of Keys Register. Manage branch’s insurance/ takaful limits
Maintenance and upkeep of branch Fixed Assets. Ensure and validate daily transaction reports of Tellers & Operations Officers. Ensure timely submission of periodical returns to SBP and other regulators. Adherence to Bank’s P&P religiously. Compliance of internal & regulatory policies to avoid audit observation. Authorization of vouchers. Reconciliation of G.L.s of branch and daily review of branch’s book. Booking of expenditures as per branch’s limits. Liaison with internal/ external auditors, compliance team and other regulators. Monitoring of Security activities i-e DVR, guards, cameras, recording etc. Act as effective Backup of Branch Manager. Ensure error free financial & non financial transactions execution observing due diligence and meticulous adherence to bank and regulator policies.
Supervision and monitoring the cash management system in adherence to the central banks regulation. Supervision of Account Opening Department. Ensure that all transactions are processed with zero error. Ensure that customer queries and complaints are resolved in a reasonable time depending upon the nature of complaint. Supports the branch in term of product processing and service deliveries. Monitor and authorize daily financial transactions. Conduct trainings for the subordinates to enhance their banking knowledge and skills. Conduct performance appraisals and finalize performance improvement plans for low performers to enable them to grow professionally. Manage and supervise the sales team and to work as an Acting Branch Manager. Designated branch security officer to ensure and implement all the security measures to keep away from any accident.
Worked as Finance Officer a main responsibility includes management of receipts and payments. Follow up recovery status with different patient panels. Preparation of bank reconciliation statements on daily and monthly basis. Cash receipts handling and payments to vendors. Biweekly audit of all documents and receipts.
Establishing maintenance and growth targets. Assisting in the collection and resolution of past due accounts. Analyze financial statements and manage risks. Managing an active account tracking and reporting procedure in accordance with company procedures. Prepare credit applications and conduct ratings. Monitor and maintain the credit files. Maintaining detailed knowledge of the company’s services and policies. Gather business/industry/market information and plan better business strategies.
Supervised all aspects of operations for fifteen support service staff of a major branch. Recruited, trained, evaluated, rewarded, disciplined and dismissed staff. Developed, implemented and applied training and development and performance evaluation systems. Coordinated the enhancement of the financial reporting software system. Main responsibilities includes Vault opening/closing, handling all cash related MIS of corporate and consumer banking, Cash positions, Handling with State Bank of Pakistan Islamabad, Managing the corporate cash counters in US Embassy, World Bank and Asian Development Bank Islamabad, ATM operations handling including onsite/offsite, Chq books and Debit cards handling of consumer banking customers, Handling all customers queries related to branch cash operations, Handling internal/external auditors including Central Bank and, Submission of quarterly RCSA, Submission of all monthly MIS to main hub branch, Submission of W.H.T data to tax authorities.
Main responsibilities includes handling of all cash related receipts and payments, vault balancing, ATM deposits it’s balancing & replenishment of all Onsite/Offsite ATM machines. Processing of all inward and outward Clearing /Collections items. Issuance and encashment of AMEX TRAVELLERS CHEQUES. Payment on Visa/Master cards on POS machine and Handling of all Utility Bills. Processing of corporate transactions. Issuance of Manager’s Checks, LCY and FCY Demand Drafts. Issuance and encashment of SSC, DSC and SUSDB. Processing of all merchant Checks on data entry. Preparation of all financial proofs and all month end MIS’s.
Completed 3 months professional internship program in Citibank N.A Rawalpindi Pakistan.