Branch Operation Manager
Al Baraka Bank (Pakistan) Limited
Total des années d'expérience :14 years, 10 Mois
Scope of job include Management of overall branch operations while ensuring efficiency, effective control and maintenance of standard quality service.
• Supervise branch’s banking operations pertaining to account opening, clearing, remittances, collections online operations, compliance etc.
• Handling of branch’s daily cash, maintenance of proper liquidity levels, daily closing of cash and its reconciliation with branch’s books and system; SBP reconcialitaion and compliance to cash handling procedures.
• Front end liaison with the customer to ensure provision of excellent quality services.
• Ensure bank’s decorum is followed by the whole staff.
• Staying abreast with banking’s practices and SBP’s regulations and disseminating relevant information among staff.
My Job description was same as i had in Soneri Bank Ltd..
Officer - General Banking
• Opening of accounts (PKR / FCY) in accordance with guidelines provided by SBP Prudential Regulations & Bank’s SOP / guidelines. Ensure that KYC, CDD & AML guidelines are fulfilled before opening any account
• Opening & maintenance of Term Deposits, checking of accruals and payment of profits to Term Deposit Holders.
• Clearing/Collection i.e. Inward, Outward, Same day, intercity, local bills, foreign bills etc.
• Remittances both inward and outward in LCY & FCY.
• Cash/ATM/Lockers
• To inculcate positive attitude and ‘Customer comes first’ approach in all endeavors related to both Internal & External customers.
• Ensure that all services are provided within the established Turnaround Time.
Officer - Compliance & Control
While working as Compliance officer my responsibilities included:
• Ensured implementation of regulations such as Anti-Money Laundering rules, Customer Due Diligence, KYC.
• Worked closely with banking staff to guarantee the institute's policies and procedures are followed.
• Monitored and reviewed customer account activities and submitted suspicious transaction reporting to Head Office.
• Advise, oversee, and train the banking staff on compliance procedures
• Designing, implementing and supervising multi-beneficiary programs in trade finance
• Issuance and management of different types of credit instruments in imports.
• Registration of bank contracts.
• Issuance and management of Shipping Guarantee.
• Imports/export against advance payment.
• Handling of clean/documentary bills both inward and outward.
• Forex data reporting to SBP
• Controlling and avoiding bad debt exposure.
• Follow-up with the borrowers for timely repayment of the loans.
• Ensuring Regulatory and Internal policy compliance.
• Forex data reporting to the head office by preparing multiple types of statements.
• FTT, FDD, FDBC, IBP, FBP, Export in Advance Payment.
Client Services and Remittances
● Handling Customer Queries and complaints for onward processing and resolution
● Reconciliation and Submission of Witholding Tax Reports to State Bank of Pakistan
● Monitoring and reviewing customer account activities and submitting suspicious
transaction reporting to Head Office
● Reviewing and opening customer accounts in strict compliance with SBP prudential
Regulations, Anti-Money Laundering and Know your customer policies.
● Issuance of Pay Orders, Demand Drafts
● Extensive working experience on sonaware.net(Banking Software)
(1) INTERNSHIP EIGHT WEEKS MCB BANK LTD. (2) APPLICATIONS Proficient in all applications of MS Office. Proficient in Quick books(Accounting Software) Proficient in Peachtree(Accounting Software Swift Application Server. Proficient in Soneri Bank’s Core Banking system software.(Sonaware) Proficient in Habib Metro Bank Core Banking System Software (hPLUS)
