Safi Ullah

Supervisor - Treasury Management - Payments/Cash Management at Alfanar Group

• Saudi Arabia
• My current job since March 2017

General Accountant - Banking Treasury Operations at Alfanar Group

• Saudi Arabia - Riyadh
• May 2016 to February 2017

 Working for Payments (Functionally supervisiing the payments section) and Cash Management sections of Treasury department.
 Completely controlling and Managing the Payment Section of Treasury dept.
 Bank Reconciliation, FX Deals and Treasury Performance Analysis by Cash flow.
 Maintaining Petty Divisions Cash A/C’’s & ( Making Vouchers in SAP ) and Deposits.
 Receiving Division Cheques & GOSI Sending to banks & sending the confirmations to divisions.
 Keeping signed cheuqes & delivering to suppliers & salary cheuqes
 Making Monthly Salaries, Final Settlements, Vacation Salaries, Bonus & occasionally Trading Customer chques through Rajhi
 Intra Payments ( Between Alfanar Divisions )
 Workflow, Petty cash and SADAD by using HSBCNet.
 Issue cheque and telex transfers at the required accuracy, on the basis of payment orders received from departments
 Follow up signing cheque and telex transfers from the authorized signatories (Treasury department Manager, BoD etc
 Send telex transfer to the banks through the correspondents for executing, and receiving back copy of telex transfer from the bank confirming the receipt & executing
 Send requests for issuance certified cheque to the banks through the correspondents and receive back the certified cheque issued by banks
 Hand over singed cheque to the beneficiaries (suppliers, employees, etc.) or deposit them into their bank accounts by correspondents
 Return the payment orders to the accounting department with the supporting documents that confirm completing payment process
 Prepare and update payment orders status on daily basis and upload it on Finance portal
 Prepare daily report about cheque and telex transfers and upload it on Finance portal
 Prepare online payments and enter them into the bank website basing on approved transfer orders
 Follow up with the authorized signatories in order to approve payments done through the electronic banking services
 Make Bank advices that confirming executing payments done through electronic banking services
 Keep cheque books for all bank accounts in a safe place
 Control cheque books quantity and ordering new quantity when the inventory is at minimum quantity
 Communicating with Treasury Managers, Accounts Managers, Purchasing Managers and Bank's Correspondents
 In order to provide the divisions with better services on updating division’s payments status & processing, (Cash management/ Trade / Teller / Division Payable)., I am also nominated as front desk in addition to receive all the divisions inquiries & notes on following points,
1. TRF payment order status
2. Divisions petty cash TRF / HSBCnet PP
3. SADAD utilities bills settlements
4. Retuning executed Payment bunch.
5. Getting swift massage / Bank TRF advice
6. Chq Status.
7. Receiving all the internal reconciliations between the divisions & posting in the GL.

Treasury Assistant at Alfanar Group

• Saudi Arabia - Riyadh
• September 2013 to April 2016

Working for Payments and Cash Management sections of Treasury department.
Maintaining Petty Divisions Cash A/C’’s & ( Making Vouchers in SAP ) and Deposits.
Receiving Division Cheques & GOSI Sending to banks & sending the confirmations to divisions.
Keeping signed cheuqes & delivering to suppliers & salary cheuqes
Making Monthly Salaries, Final Settlements, Vacation Salaries, Bonus & occasionally Trading Customer chques through Rajhi
Intra Payments ( Between Alfanar Divisions )
Workflow, Petty cash and SADAD by using HSBCNet.
Issue cheque and telex transfers at the required accuracy, on the basis of payment orders received from departments
Follow up signing cheque and telex transfers from the authorized signatories (Treasury department Manager, BoD etc
Send telex transfer to the banks through the correspondents for excuting, and receiving back copy of telex transfer from the bank confirming the receipt & executing
Send requests for issuance certified cheque to the banks through the orrespondents and receive back the certified cheque issued by banks
Hand over singed cheque to the beneficiaries (suppliers, employees, etc.) or deposit them into their bank accounts by correspondents
Return the payment orders to the accounting department with the supporting documents that confirm completing payment process
Prepare and update payment orders status on daily basis and upload it on Finance portal
Prepare daily report about cheque and telx transfers and upload it on Finance portal
Prepare online payments and enter them into the bank website basing on approved tranfer orders
Follow up with the autherized signatories in order to approve payments done through the electronic banking services
Make Bank advices that confirming executing payments done through electronic banking services
Keep cheque books for all bank accounts in a safe place
Communicating with Treasury Managers, Accounts Managers, Purchasing Managers and Bank's Correspondents

Teller - Foreign Remittance and Currency Exchange at Bank Albilad

• Saudi Arabia - Riyadh
• September 2011 to August 2013

Dealing in all Western Union and Enjaz remittance products local/international.
Analyze the currency patterns and volatilities by using statistical and financial techniques.
Dealing directly with customer’s from around the world like Indians, Philippines, Egyptians, and Italians etc.
Money Exchange of foreign currencies by negotiating the currency rates with Treasury.
Remittance and personal account management.
To attend to customer’s enquiry on banking products.
Implement Banks' AML and KYC policies as per SAMA regulations and follow FATF recommendations for CFT/AML.

Relationship Manager at Credits

• January 2011 to June 2012

↘ Relationship Manager - Credits from Jan 2011
Commercial & SME Finance
Meezan Bank Limited

Key Job Functions in Meezan Bank Pakistan Limited
* Prepare reports that include the degree of risk involved in extending credit or lending money.
* Evaluate customer records based on earnings, savings data, payment history, and purchase activity
* Confer with credit association and other business representatives to exchange credit information.
* Complete loan applications, including credit analyses and summaries, and submit to loan committees for approval.
* Generate financial ratios, using computer programs, to evaluate customers' financial status.
* Review individual or commercial customer files to identify and select delinquent accounts for collection.
* Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
* Consult with customers to resolve complaints and verify financial and credit transactions.
* Analyze financial data such as income growth, quality of management, and market share to determine expected profitability.
* Assessing the credit worthiness of client companies;
* Liaising with other departments within the Bank, such as Commercial, Risk management and Shariah Compliance.
* Helping to ensure that procedures comply with sector standards;
* Staying informed about the legal, compliance and credit risk-related issues involved in the approval of credit.

Team leader, Institutional Sales at Consumer Banking

• Pakistan
• August 2008 to December 2011

↘ Team leader, Institutional Sales from Aug 08
Consumer Banking
Bankislami Pakistan Limited

Key Job Functions in Bankislami Pakistan Limited
• Working for Corporate, SME and individual clients.
• Leading cases of 13 branches of Karachi, branches of Lahore, Islamabad, Multan, Rawal Pindi, Quetta and HOF. Obtaining approvals from senior management / credit committee & ensuring compliance with the delegated authority schedules.
• Preparation of Credit proposal, financial Spreads and Financial summary by Analysis of Financial statements.
• In depth and substantive, result oriented review of credit proposals (fresh, renewals and enhancement) of Commercial & SME of Pan Pakistan.
• Coordination with the BDEs in making them to achieve their targets.
• Ensuring compliance with the SBP' prudential regulations and rules/guidelines/checklist.
• Ensuring highest level of customer services and that the customer's banking needs are fulfilled in a professional and competent manner. Ensuring BDEs are equipped with the product knowledge.
• Management of service delivery output to ensure adherence to service quality standards.
• Provide customer support services and assist the BUH in marketing and delivery of Asset products and services.
• Coordination internally with various departments and making sales forecasting reports.

Analyst at Market Risk

• August 2009 to January 2010

↘ Analyst, Market Risk Aug 09 to Jan 2010
Risk Policy & Analytics
Bankislami Pakistan Limited

Key Job Functions in Bankislami Pakistan Limited
* Monitoring of daily foreign exchange, Money Market and Trade finance deals.
* Monitoring of daily Net Open Position, foreign exchange exposure limit, SLR and CRR.
* Analysis of data for preparation of CAR returns under Basel II.
* Investment Valuation - MUFAP / Reuters, Investment Duration / Individual A/c monitoring and Scenario testing
* Ensuring fortnightly revaluation on Mark-to-Market/Model basis. Using soft wares of SPSS, PIBAS and iMall.
* Conducting research to assess the severity of market risk and forecasting of market trends.
* Analyzing a bank's market position and running figures through complex modeling techniques to find value at risk (VAR) and DURATION. Using statistical tools on excel for analysis like correlations, S.D, Alpha and Beta etc.
* Working for Market Risk, Monthly Market Risk review, assisting in making ORAF, manuals and Policies.
* Assist in Internal/External Audit and making SBP/ Internal policies like ICAAP as per Basel pillar II.
* Balance Sheet review (Internal / External) and Country Risk Review - FBP / Exposure.

Marketing Officer at Security Leasing Corporation Limited

• Pakistan
• August 2007 to August 2008

↘ Marketing Officer Aug 07 - Aug 08
Corporate leasing
Security Leasing Corporation Limited

Key Job Functions in Security Leasing Corporation Limited
• Worked for Corporate, SME and individual clients.
• Provide customer support services and assist the BUM in marketing and delivery of Asset products and services.
• Maintain front line relationship with existing and potential clients.
• Preparation of Financial Spreads and Financial summary by Analysis of Financial statements.
• Preparation of Credit Memorandum (CAM) for Corporate, SME and individual clients.
• Preparation of proposals and entire lease Documents.
• Coordination with related departments for pre and post disbursement activities.
• Follow up the returned cheques and recovery issues of clients. Making monthly compliance report.
• Ensure any deferral (s) taken at the time of disbursement (s) / (approval (s) are completed as per target dates.

Accountant at The City School

• Pakistan - Karachi
• July 2005 to May 2007

§ Correspondence with Regional Office and Branches
§ Weekly Cash Book, Petty Cash, Daily Expense Summary and Budgeting
§ Incoming/Outgoing mails, letters and circulars
§ Managing Payrolls, Inventory Management and Bank Reconciliation
§ Handling all aspects of communication with receivable / payable clientele & banks
§ Handling Income Tax deduction
§ Posting & Maintaining record of daily vouchers in the system
§ Maintain fixed assets/stock, filing and maintaining Admission/Transfer and Withdrawal registers

Customer Relationship Officer at INSTAPHONE, Head Office

• May 2005 to June 2005

↘ Customer Relationship Officer May-June - 2005
INSTAPHONE, Head Office

Key Job Functions in Pak Tel
• Customer Support
• Timely Report to the Manager