Head of ORM, And Head of ICC (Internal Control & Compliance
Brac Bank Limited
Total years of experience :33 years, 8 Months
Brac Bank is one of the largest commercial Bank in Bangladesh which is pioneer in SME banking. The bank is owned by BRAC- the largest NGO of the world founded by Sir F H Abed. Presently, Brac Bank has 8500 employees, 157 Branches, 420 SME unit offices around the country
I have joined Brac Bank Limited on 16th Sep 2012 as Head of Operational Risk Management & Basel Implementation, Later on, since Jan 2013; I have been assigned with the responsibility of its Internal Control & Compliance (ICC) division. I report to Head Of Risk Management ( HoRM) for both my roles who directly reports to the Board with a dotted reporting to MD & CEO of the Bank.
Responsibility being Head of Internal Control & Compliance ( CC):
•Plan, Lead and guide Internal Audit and Compliance monitoring activities of the bank.
•Prepares timely audit reports for Management, the Audit Committee and the Board of Directors.
•Lead the team to implement Risk Based Internal Audit ( RBIA).
•Participate Board Audit Committee (BAC), Risk Management Committee (RMC) meeting.
•Active member of Audit Review Committee (ARC) in implementing finding and recommendation.
•Coordinate Employee Disciplinary Action Committee (EDAC) for consequence management as per audit and investigation finding/recommendations.
•Drive and implement fraud control culture across the bank.
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Responsibility being Head of Operational Risk Management & Basel Implementation (ORM & BI):
•Implement Operational Risk Management framework and make it functional across the bank.
•Develop “Enterprise Risk Management” policy ensured successful implantation.
•Conduct Enterprise Risk Management Committee (ERMC) meeting - which is top risk forum of the bank.
•Oversee, Develop & Implement Manual/Policies and Compliance of Process Management.
•Design & implement “Risk Register” an online platform to capture & analyze risks across the bank.
•Oversee Basel-II implementation as per the road map given by regulators and directives of Board.
•Prepare and Ensure timely submission of “Stress Test” report to central bank.
•Lead Green Banking Unit ( GBU) of the bank.
•Lead Business Continuity Plan ( BCP) and its relevant activities of the Bank as lead co-coordinator
•Act as a lead trainer on Risk Management, Audit and Compliance.
• Identify the process gap and suggest the mitigation.
• Ensure adherence to the Operational Risk Management Assurance Framework (ORMAF) in the identification, assessment, mitigation & Control and monitoring of risk.
•Developed Operation process manual, Minimum Control standards and ensure implementation.
•Prepare and assign Delegation of Authority, Job description to respective employee.
•Ensure the relevant group & business policies are effectively embedded within business unit.
•Facilitate the implementation of key control standard (KCS), related Key Control self assessment (KCSA), Key Risk Indicator (KRI) and monitoring plans for compliance and operational risk management.
•Perform key MIS / Portfolio analysis, trend reporting and suggest remedial action as required.
•Develop, Review and Implement credit policy, process and related credit projects.
•Ensure that credit audit in the business unit is satisfactory.
•Set up and review Credit risk policies and procedures to ensure compliance with best practices.
•Provide advice and guidance to the sales team with regard to meet customer needs.
•Manage, motivate and train staff to ensure performance is optimized.
•Ensure that the competitive Turn Around Time ( TAT) is maintained.
•Assist in development of new product and review the existing ones.
•Initiation & underwriting of Credit Card and Personal Loans proposals ensuring prudent underwriting.
•Staff development & appraisals
•Developed/customized credit policy according to group standard.
•Automated underwriting activities and drive Fraud Control activity.
•Significantly reduced application deferral rate by proving assurance training to the sourcing channels.
•Responsible for managing and retention of the quality portfolio of credit card.
•Formulate Product Program Guideline (PPG), Policy & Procedure relating Credit Card.
•Drive the sales force to ensure quality booking.
•Ensure Turnaround time ( TAT) of end-to-end credit card production.
•Assess & Underwrite Credit Card application.
•Guide sourcing channel for quality booking.
•Maintained healthy credit card portfolio by quality underwriting.
•Established collection wing of the bank.
•Lead collection drive of irregular loans of the bank.
•Guide collection team towards achieving recovery target.
•Lead recovery drive of bad loans of the bank.
•Guide recovery team towards achieving recovery target.
•Oversee litigation activities by liaising with panel lawyer, and attend in court as bank’s representative.
•Collection & Recovery wing of the bank was new inclusion; I pioneered in establishing these two new units.
•TeleBanking was then the first of its kind in this country (Bangladesh) with a view to provide services over phone.
•Established TeleBank as an added service of the bank which was primary version of Call Centre.
•Conceptualized and successfully implemented this “Alternate Banking” initiative of the bank.
Customer Service, Branch Banking Jan 1996- May 1996
International Banking Division (IBD)
( Credit card/TC/FCY/Chq Purchase etc.) Apr 1994-Dec 1996
Remittance Department Aug 1990-March 1994
