Unit Head-Operational Risk Management
The Bank of Punjab
Total des années d'expérience :24 years, 5 Mois
• Supervise, collect, manage and improve Operational loss, Control Breaches, Near Misses bank-wide databases and fraud investigation reports for analysis to provide periodic reports to senior management to take proactive remedial actions to improve bank’s bottom line by proactively managing operational risk.
• Calculation of Capital Charge as per Basic Indicator Approach(BIA)
• Review & Improvement of Bank Risk Policy, Operational Risk Policy, Operational Risk Framework, RCSA Policy, ICAAP Framework
• Defined Risk Appetite and Tolerance Limits for different activities of bank/units/divisions.
• Stress Testing of OpsRisk with respect to Losses, Key Resource Persons (HR), & Regulatory Penalty
• Preparing Presentation to BOD Committees like BMRC and ALCO which include Review & Initiatives taken by Operational Risk Division.
• Managing team, its career growth and capacity building of team
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Achievements:
• Developed and implemented the Operational Policy Framework, SBP Operational Risk Guidelines, MCB Risk Policy, SBP Loss Data Collection Procedural Guidelines.
• Reviewed new policies/products/documents to be implemented/initiated in Bank
• Successfully implemented New SBP Operational Risk Implementation Framework 2014.
• Development of In-House Operational Risk Software
• Developed Interest Rate Risk Management Framework under SBP Guidelines 2015
• Daily monitoring of internal and regulatory Market Risk Reports (FX, Money Market, Capital Markets & Derivatives), validate MTM valuations of Treasury portfolio, and rate reasonability check of deals.
• Developing VaR (Value at Risk), Duration, PVBP, Beta, Convexity and Pricing Models in MS- Excel for Forex, Money Market, Capital Markets & Derivatives Products.
• Market Risk capital charge calculation (CAR), Scenario Analysis & Stress Testing for Central Bank.
• Asset & Liability Management & Prepare ALM Gap Sensitivity Analysis, Net Interest Income Report, Earning at Risk, Duration Gap Report.
• Basel III reporting, Liquidity & Interest Rate Sensitivity Reporting Guidelines, Liquidity Risk Strategy, Liquidity Management Policy, Contingency Funding Plan (CFP) and Treasury & Investment Policy.
• Established Daily Fixed Income Risk Dashboard, Foreign Exchange Risk Dashboard, and Capital markets Risk Dashboard.
• Preparation of reports for ALCO and other senior bodies of bank.
• Liaise with internal / external auditors and regulators where appropriate.
Key Achievements
• Developed Mechanism for Implementation of Basel III: Liquidity Standards-2016 of SBP
• Developed Interest Rate Risk Management Framework under SBP Guidelines 2015
• Developed Software for Stress Testing for Term Loans for Reprising and Liquidity Risk Scenarios
• Supervise Collection, Compilation and Improvement in Operational loss, Control Breaches, Near Misses bank-wide databases and fraud investigation analysis to provide periodic reports to senior management to take proactive remedial actions for operational risk management
• Review & Improve Operational Risk Policy & Framework, RCSA Policy, ICAAP Framework, Compliance Framework, Operations Manual, Risk Policy and all other Manuals implemented or to be implemented on Bank-Wide Basis.
• Calculation of Operational Risks Capital Charge as per Basic Indicator Approach(BIA), Alternative Standardized Approach (ASA) and The Standardized Approach (TSA)
• Effective Compliance on Internal, external and regulatory audits.
• Manage & Training of Operational Risk & Compliance Staff.
• Preparing & Improve operational risk reporting under Key Risk Indicators (KRIs) Presentation to BOD Committees like MRPRC, MCC
• Analyze the operational loss reports with respect to cause, event and consequences, evaluate control violations and recommending improvements
o Synergized Financials Analysis
o Evaluating Customer Needs/Pay-Back capacity for Finance (Loan)
o Keep abreast with all the changes taking place in Bank’s internal policies, AML, KYC and in SBP Prudential Regulations.
o Mitigating Bank Exposure Risk
o Take safe-guard measures to protect bank interest.
o Coordinate with Basel II team in Operational Risk Matters.
o Managing Branch Operations of Corporate Branch, EFU House, Lahore.
o Ensure all reports are submitted on time without any flaw.
o Keep abreast with all the changes taking place in Bank’s internal policies, AML/AF and KYC and in Prudential Regulations.
o Smooth working in branch operations.
o Manage to implement and monitor SBP Prudential Regulations and Bank’s policies & procedures meticulously.
o Ensure strict control & monitoring of symbol control heads.
o Ensure to manage regulatory problems arising from alleged or actual breaches of regulatory requirements or ethical standards, where there is a material risk to the reputation of the bank, so as to avoid reputational damage and enhance Bank’s image.
o Ensure audit exceptions or SBP exceptions are rectified by the branches on time, within the target date.
o Handle Compliance exceptions promptly and advise to Divisional Head after each review is conducted.
o Ensure all reports are submitted on time without fail.
o Maintain complete MIS system within Compliance Group.
Woking as In-charge Export Department.
Managing Exports Realizations.
Trade Related Finance Facilities
Correspondence With Foreign as well as Local Banks/Clients
Managing Export Department
Liaison With Head Office
Designing & Structuring Database
Developing Software in Visual Basic for different clients
Testing & Implementation of software
Designing & Structuring Database
Passed all three levels of the CFA Program [August-2012], and may be awarded the charter upon completion of the required work experience
I passed DAIBP from institute of Bankers Pakistan. DAIBP is very prestigious renowned degree in banking field which covers all the areas of banking operations.
M.A (Economics). It is a well known degree in the field of Economics. I did this degree during my regular studies in Punjab University, Lahore.
M.Com(Finance)