BANKING SERVICES MANAGER
ALLIED BANK LIMITED
Total years of experience :27 years, 6 Months
The Branch Manager is responsible for the administration and efficient daily operation of a full service branch office, including operations, lending, product sales, customer service, and security and safety in accordance with the Bank's objectives..
To ensure implementation of the internal and external policies and regulations for effective Internal Controls.
To ensure providing infrastructure/ computer/equipment etc.
To ensure discipline and decorum.
Responsible for improvement in Internal Control(s) resulting in better Branch Audit categories.
Provide all required infrastructure/equipments etc.
Ensure that branches are complying with ABL policies, operational manuals, guidelines of regulatory authority etc.
To ensure timely rectification of all irregularities pointed out in SBP/Inter (regular/Surprise) and external inspections.
Effectively and efficiently manage the overall operations of the branch within a controlled environment without any loss to the Bank. To support businesses in new initiatives, generating volumes / revenues for the Bank and service delivery.
Ensure provision of complaint free, prompt and quality service to customers.
Ensure to supervise / authorise all transaction including funds transfer, online transfer, TDR issuance, account opening, amendment in CP and AOF, locker issuance, cheque book request, cheque book issuance, ATM card issuance, activation of dormant account etc.
Ensure that KYC/ CDD is completed for all customers in all aspects.
Monitors & maintains internal controls and bank’s operating standards and follows SBP (and other) regulatory requirements guidelines to protect the Bank’s interest, and avoid audit objection(s).
Attending to audit reports and ensuring 100% rectification in minimum possible time.
Keeps branch’s general expenses within the budget and manages them wisely to ensure efficient cost management.
Develops, motivates and guides staff in the Operation Dept. to improve quality of service, efficiency of systems and manages staff productivity and discipline. Develops the skills base in the Operations Department to ensure that at least two people are equipped to handle each job including himself.
Ensures proper working / coordination between business and operation to facilitate business development.
Encourages continuous improvement initiatives in the Operations Dept. to improve quality of service, efficiency of systems & controls and cost management.
Ensures branch reconciliation, suspense and other asset accounts are closely monitored for liquidating Immediately and balancing of all heads of account on daily basis.
Handles cash key jointly as one of the custodians of keys, ensuring safe custody of branch cash, ATM.
Joint custodian of ATM captured cards.
Joint custodian of security stationary
Ensures premises standards and staff disciplines are kept at acceptable levels, and providing comfortable atmosphere to customers and staff for maintaining banks image.
Handling of deceased accounts
Correspondence with higher offices and regulators
Issuance of W/H Tax certificate
Marking of Stop payment in the system
Handling of disputed transaction
Saving and checking of daily Close Of Business reports
Submission of periodical returns to different quarters
Maintenance of zakat register/file/declaration
Activation of accounts
Surrendering of unclaimed deposit
Physical Security of the branch in accordance with the rules
Monthly balancing of books
Marking of Standing Transfer Orders in the system.
Adheres strictly to Cash Insurance Limit of the branch. Ensure timely replenishment of ATM
Ensure balancing of ATM on daily basis
Monitoring the down time of ATM and bringing upto 98%. Ensure to provide / receive cash from branches for efficient cash management
Maintenance and reconciliation of SBP/NBP account
Daily reporting to Treasury
Supervision of export re-finance cases.
Addressing customer queries regarding authentication of transaction.
To perform the duties of Associate Manager Audit & Compliance & Implementation. To endorse & Implement the SBP & Head Office Circulars. To ensure the strict compliance & rectifications of SBP, external & internal audit reports of the branches. Moreover to monitor the On-Site or Off-Site ATMs operations. Off & On to look after the administrative matters in the region in the absence of Regional Head Banking Services, Sialkot Region
Managing 38 branches.
To ensure management of branches operations in line with system & procedure and improve quality of operations.
To ensure delivery of efficient customer services.
To ensure implementation of the internal and external policies and regulations for effective Internal Controls.
To ensure providing infrastructure/ computer/equipment etc.
To ensure discipline and decorum.
Responsible for improvement in Internal Control(s) resulting in better Branch Audit categories.
Provide all required infrastructure/equipments etc.
Ensure that branches are complying with ABL policies, operational manuals, guidelines of regulatory authority etc.
To ensure timely rectification of all irregularities pointed out in SBP/Inter (regular/Surprise) and external inspections.
Ensure rectifications of irregularities noticed by CCG staff during their visits.
To perform the duties of Associate Manager Audit & Compliance & Implementation. To endorse & Implement the SBP & Head Office Circulars. To ensure the strict compliance & rectifications of SBP, external & internal audit reports of the branches. Moreover to monitor the On-Site or Off-Site ATMs operations. Off & On to look after the administrative matters in the region in the absence of Regional Head Banking Services, Sialkot Region.
Working in Operations Group in Central I, directly reporting to the Regional Operations Manager/Regional Customer Service Manager (RCSM) with the assignment: To monitor and verify the implementation, Rectification of Irregularities pertaining to Anti Money Laundering Checklist as well as Surprise or Regular Audit by the branches/(Management Audit Report in case of RHQ Office) in the Sialkot region, Moreover provision of information required by any Government Authorities as and when required through Head Office/State Bank of Pakistan. Plus whatever the assignment may be assigned by the RCSM from time to time.
To monitor & verify the compliance of Due Diligence for Anti Money Laundering, Regular & Surprise Branch/Regional Head Quarter's management Audit irregularities rectification/Compliance.To pay visits through out the region comprising 27-branches network and submitting the report to the head office via intra net based issue tracking system.
Cash Deposit In-Charge, Cheque Cancellation, Foreign Remittances payment after complete verification, On-line Inter Branch transactions, Issuance of Demand Drafts, Pay Orders. Term Deposit Issuance. Call Deposit Receipts Issuance.Utility Bills Collection monitoring.
I was transferred in Operations Department was posted in Church Road, Sialkot (As Genaral Banking Officer for 2 Years, then I joined Internal Control Division, in the Head Office of the bank & as per bank policy since the department is abolished I am posted at the Regional Head Quarter, Sialkot-Pakistan and monitoring the audit compliance(Internal, External & State Bank of Pakistan Audit Compliance), Visits the 27 Branches of the region and directly report to the Regional Customer Service Manager.
Bank Accounting in UNIBANK, Voucher posting, Proceeds Realization Certificates issuance, Export Refinance P-II,
• (Opening & settlements)In Land L/cs., Export L/c Scrutiny, Finance Against Bill Purchased (Negotiation), Import L/c (Usance/Sight) Opening, Persuasion, Settlement, Import L/c/FBP Negotiation Proposals Preparation (Particularly on One Time Transaction Basis) Import Based Foreign Exchange Return Preparation. SWIFT Operations (Branch level) message preparation & transmission almost all the formats frequently used such as MT700, MT707, MT999, MT110, MT103, MT202, MT754 etc., .
Registered Mortgage/ Redemption of Registered Mortgage, Mutation etc., PIBAS (Pioneers International Banking Application System) Start of Day/ End of Day Execution, Daily Routines Statements Generation, Serving in the absence of I.T Systems Administrator.
Exposure in Advances: Credit Information Bureau (SBP) Reporting, Credit Line Proposals Preparation, Export L/c Scrutiny, Finance Against Bill Purchased (Negotiation), Import L/c (Usance/Sight) Opening, Persuasion, Settlement, Import L/c/FBP Negotiation Proposals Preparation (Particularly on One Time Transaction Basis) Import Based Foreign Exchange Return Preparation. SWIFT Operations (Branch level) message preparation & transmission almost all the formats frequently used.
Exposure in Consumer Banking, Operations, Foreign Trade Services; working in Foreign Trade Services Department with assignments of: Collection Bills Lodgement, Realization of Foreign Proceeds, Monthly Nostro A/c reconciliation, E-Forms verification, Overdue Export Bills follow up & reporting to State Bank of Pakistan (SBP), Foreign Currency Home Remittances Realization, Export Business Monitoring. Finance against Foreign Bills, Finance Against Packing Credit (SBP P-I), Finance Against Packing Credit (SBP-PII), Finance against Bill Purchased (Negotiation).
Textile Quota Authentication, Transfer, Allocation and Suggestions to safeguard the interests of textile garment manufacturers & exporters of Pakistan on Medium level Forum
GRADE: B+, 91%
2ND DIVISION, 52.75%
GRADE:B, 68%