Mustaq Mohammad

ADMINISTRATION
Efficiently manages daily administrative functions and office operations. Supervises staff, develops and enforces
procedures, and ensures organizational compliance with internal policies and external regulations. Core
responsibilities include budget management, facilities coordination, record maintenance, and improving overall
administrative efficiency.
OPERATIONS
Leads and optimizes day-to-day business operations across multiple departments to ensure productivity, cost
efficiency, and quality service delivery. Specializes in streamlining processes, resource allocation, performance
monitoring, strategic planning, and regulatory compliance. Drives continuous improvement to support business
objectives.
PROCUREMENT
Manages the sourcing and acquisition of goods and services to meet organizational requirements. Develops
procurement strategies, negotiates contracts, and ensures timely delivery of quality materials at competitive prices.
Builds and maintains strong relationships with vendors and monitors supplier performance to ensure consistency
and value.
BUSINESS DEVELOPMENT
Identifies, evaluates, and capitalizes on new business opportunities to support company growth and market
expansion. Builds and maintains strategic relationships with clients and partners, conducts market research, and
crafts development strategies aligned with long-term organizational goals. Focuses on increasing revenue and
competitive advantage.

account/loan openings supporting documents and procedures.
Authorize internal and external SWIFT messages. Authorize cash withdrawals greater than AED 50K. Verification and
approval of all transactions and related supporting documents.
Budgeting, follow up & Reporting: Preparation of annual budget of the branch including manpower, capex and
general expenditure. Performs daily/weekly/monthly analysis of numbers and follow up/report unusual variances.
Generate reports and distribute for appropriate action. Prepare Central Bank reports at branch level.
PAYABLES RECONCILATION: Review and ensure that expenses are within approved budget. Release payments after
making sure it is within the discretionary power of the approver. Reconciliation of branch transit.
Account, call accounts and sundry accounts. Follow up on open items for resolution.
FIXED ASSETS & GENERAL ADMINISTRATION: Safe guarding branch fixed assets by ensuring valid maintenance
contracts are in place for each item. Monitor depreciation/write off by reviewing the Fixed Assets Revaluation Report.
Facilitate timely renewal of trade license, fitness certificates & related statutory requirements.
PROCUREMENT & PURCHASING: Monitoring and authorize procurements by viewing the pricing and comparison
with multiple suppliers &contractors as per the requirements.
AML & COMPLIANCE: Review AML reports and follow up for supporting documents related to unusual/suspicious
transactions. Maintain KYC of customers for records. Screen remittances routed through the branch to ensure
transparency and strict adherence to OFAC sanctions. Educate staff and customers on strict compliance to the Banks
Policies and Procedures. Identify and mitigate key areas of risk.
FX & MM DEALS: Monitor branch FCY position and execute deal with treasury to cover long/short positions. Provide
eligible customers with special rates on FCY transactions. Execute MM deals to place large deposits with treasury to
optimize branch pool.
HEAD TELLER: Handling Elite clients for large deposits and withdrawals, arranging cash from Central Bank.
Responsible to count and tally the physical cash with all tellers & Bank vault on daily basis. Transfer access cash to
Central Bank.

Played an active role along with the Operations Manager in formulating the procedures and policies for all the
departments including Teller Handling, Accounts, Settlement, Trading Foreign currency, Customer Service