Internal Auditor
Industrial and Commercial Bank of China
مجموع سنوات الخبرة :21 years, 8 أشهر
• Managed execution of Audits of Branches and Head Office Units
• Conducted Audit of Remittances Operations from Singapore
• Conducted Audit of Human Resource Administration
• Conducted KYC updates exercise at branches
• Conducting Audit of Internal Capital Adequacy Assessment Process (ICAAP)
• Review of financial statements
• Filling of Tax Returns of individuals and companies to CRA
• Negotiations with clients for the scope of work
• Assistance in Payroll preparation of Client
• Preparation for business Plan and feasibility reports for clients
• Conducted Corporate Governance Audits of two large Insurance companies
• Carried out Functional review of Internal Audit of a leading bank
• Conducted system review of a leading bank for the compliance of OSFI requirements
• Participated in Data aggregation assignment of Credit Risk data of a leading commercial bank
• Carried out research for industry analysis for various engagement proposals
• Control Testing of various clients
• Budgeting of projects
Completed 4 weeks volunteer placement in Internal Audit Department with following accomplishment:
• Developed understanding with Audit Methodology, Planning Documents, Risk Assessment Procedures, Audit Working Papers, Audit Reports & Audit Committee Reporting Documents
• Aided in the audit of Financial Reporting
• Scope of work from Planning of Audit to execution and Reporting to Board Audit Committee through Group Head - Audit & Inspection Group
Major Assignments Conducted in Bank Alfalah Limited:
• Reviewed almost all types of Procedure Manuals of both Conventional and Islamic Banking
• Conducted management Audit of Credit Card, Credit Monitoring Division and Human Resource Divisions
• Conducted Audit of Bank Alfalah Dhaka Branch, Bangladesh - Islamic Banking
• Involved in logical system testing of Banking software module for issuance of Letter of Guarantees
• Involved in Investigation of money laundering cases, misuse of Bank’s funds and mishandling of IPOs of shares of different companies
• Conducted Various Presentations on Islamic Banking, Credits and General Banking
Established the Risk Management Unit for Consumer Banking as required by Central Bank of Pakistan.
Revised the Credit Policies of Auto Finance & Housing Finance, which were approved by the Risk Management Committee.
Revised the Product Program Manual of Auto Finance and Housing Finance, which was approved by the CEO.
Introduced Interrelated Delinquency Report and its analysis. Feed back of the same was also conveyed to Product department to readdress the internal controls.
Prepared the Sampling Criteria for the review of Cases of Auto and Housing on daily basis.
Supervision of the daily Auto and Housing cases reviewed by the support staff.
Supervision of Stress Testing of Housing Finance Product
Prepared Risk Rating Sheets for Consumer Finance Customers.
Preparation of various Analytical reports pertaining to Economic and Market Conditions.
Handling of any other assignment assigned by the Head of Risk Management of the Bank.
Worked in Range-VI (Vice President Audit) with Bank Alfalah Limited, (owned by Abu Dhabi Consortium of United Arab Emirates) one of the leading Commercial Banks of Pakistan \[Facility of 1000cc Bank Maintained Car has been provided by the Bank\]. I remained involved in following assignments in Audit & Inspection Division of Bank Alfalah :
Conducted Audit of various branches (including Islamic Banking Branches’)
Review of Audit Reports prepared by other teams at Head Office level, and assigning Audit Rating to the Branch.
Conducted the Audit of Bank Alfalah Dhaka Branch, Bangladesh in May 2006.
Conducted the Audit of various branches of Islamic Banking Bank Alfalah Ltd.
Conducted Management Audits of Human Resources, Credit Administration, Centralized Account Opening Form Divisions of Bank Alfalah Limited.
Conducted Audit of Credit Card Division of Bank Alfalah Limited as Team Leader in January 2005.
Conducted Management Audit of Auto Loans Division.
Handled Audit Certification independently the scheme of SBP Long Term Finance - Export Oriented Projects for Bank Alfalah Portfolio.
Handled preparation of various documents like Audit Report Summaries for Board Audit Committee based in Abu Dhabi.
Reviewed revised Credit Card Policy, Write off Policy, Procedure Manuals and Deposit Products of Islamic Banking before sign off in Audit Division.
Preparation of Audit Plan for the year, review of Terms of Reference of Audit Committee for revision.
Conducted Presentation in Lahore and Karachi on behalf of Audit Division of Bank Alfalah Limited on “Role of Audit in Credit Administration”
Attended Seminars on “Money Laundering” at Institute of Bankers in Pakistan and Seminar on “Anti-Money Laundering Measures” conducted by Institute of Chartered Accountants of Pakistan.
Attended in house Seminar on “Credit Analysis & Risk Management”.
Worked as Manager Accounts and Finance at Main Branch Karachi.
Preparation of Weekly & Monthly Statements for onward submission to Central Bank.
Preparation of Monthly statement of Income Tax deducted at source; and onward submission to concerned office.
Review of Daily Statement of Affairs
Supervision of review of Daily Transaction List with vouchers.
Supervision of Fortnightly Reconciliation of Suspense Accounts and other Intermediate Accounts.
Monthly Comparison of expenses with assigned Budgetary Limits, and obtaining of approval in case of excess over limit.
Supervision of preparation of Monthly Payroll
Supervision of Issuance of Pay Orders to vendors for Branch Expansion, (Pay Orders for branches in process were being issued from main branch)
Worked as Team Leader and Conduct Audit of various Branches within city and upcountry.
Preparation of Audit Program and Audit steps to be formed during the Audit.
During Audit of Branch, Team Management of staff deputed for various areas.
Conducted Audit of Credits at big branches; ensured the compliance of Internal Controls in line with the Regulatory Requirements and Prescribed Controls.
Conducted Management Audit of Finance and Planning Division of Bank.
Review of Audit Reports; where Audit was conducted by other Teams.
Preparation of Executive Summary of Audit Report, to highlight significant exceptions requires higher management’s attention.
Completed with 84%
CA intermediate from ICAP