فوزية نصرت

Dedicated and results-driven Compliance Professional with over 25 years of progressive banking experience, including 12+ years in Compliance and AML/CFT leadership roles.Analalyt of KYC/CDD/EDD specially for High Risk customer Review & Risk Profiling Demonstrated expertise in regulatory compliance, risk management, audit coordination, and anti-money laundering frameworks. Proven track record of ensuring institutional adherence to State Bank of Pakistan (SBP) regulations, FATF, FBR, and FMU requirements. Recognized for analytical acumen, team leadership, and commitment to integrity and operational excellence.
Professional Experience

First Women Bank Ltd., Karachi
Manager Compliance (VP-II) | 2012 - Present
AML In-Charge | 2017 - 2023 and 2026

Lead the implementation and monitoring of AML/CFT frameworks, ensuring full alignment with SBP, FMU, and FBR directives.

Conducted CCM (Compliance Committee Meetings) quarterly, prepared agendas, and followed up with divisional heads on pending matters.

Reviewed KYC/CDD of high-risk and cash-intensive accounts to identify anomalies and ensure risk-based monitoring.

Established mechanisms for Suspicious Transaction Reports (STRs) and Currency Transaction Reports (CTRs) via GoAML to FMU Karachi.

Coordinated with Internal Audit, SBP Inspection Teams, and branch management to ensure timely closure of audit observations.

Ensured accurate and timely submission of weekly, monthly, quarterly, half-yearly, and annual compliance reports to SBP, FBR, and IRAS (CRS/FATCA).

Developed and updated Compliance Manual, Checklists, and KYC/CDD Forms, embedding regulatory changes into operational practice.

Delivered compliance awareness sessions and contributed to in-house AML/CFT training initiatives.


Regional Compliance Manager (South)
Regional Compliance Officer (South)

Supervised regional branches to ensure consistent application of compliance policies and standards.

Conducted monitoring visits and reviews, providing feedback and training to branch teams.


Branch Banking - Islamabad Region
Various Positions (15 Years)

Managed branch operations, ensuring adherence to operational controls, KYC norms, and audit standards.

Maintained strong customer service and operational efficiency while ensuring regulatory compliance.15 Experience Branch banking in which, Accounts, Loans, Foreign Exchange Remittances, Customers account opening, Periodical reporting to regulators.