Bank - Oil & Gas - Manufacturing - Teaching

STRICTLY CONFIDENTIAL INTELLECTUAL PROPERTY AUTHOR BINA UL HAQ

Bina ul Haq Mobile#: US 405-***-**** UK +447*********

International Business Expansion Consultant Email: ad5mp1@r.postjobfree.com

Dear Sir / Madam

I am an MBA and a Masters in Global Business from the University of Oxford –Said Business School. I have distinct international experience in the Banking, Energy and Manufacturing sector. An author of the business-related articles with a view to Scenario Planning, and Geopolitical aspects. I am bilingual, a self-motivator, and a team player.

I had been instrumental in Strategic projects, setting infrastructures, acquiring licenses, expansions and branch/entity closures, consolidating redundant locations and gobbling up smaller institutions acquired through mergers. It helped save on infrastructure and employee costs, bringing down overall expenses in turn bolstered profits. Conduct corporate diplomacy, liaison with consumer clients, high net worth clients, board members, Big 4s, external and internal business stakeholders.

Involved in high-level strategic management projects for international expansion in the energy sector. They include driving strategy for international operations, business modeling, aligning organizational structures, global value chain, supply chain, and corporate social responsibility. Provide expertise on strategic matters alliances and partnerships for business expansion, mergers, and closures. Identify opportunities for aggregation, arbitrage, and adaptation. Execute corporate diplomacy activities to strategic market entry opportunities. Interface with governmental officials, local partners, and stakeholders in Emerging Markets, the Americas, Europe, the UAE, and Asia. Interface with external firms in taxation, banking operations in international markets, corporate and field accounting; to setup international accounting to reflect the legal structure, vendor setup, account payable and account receivables and overview analysis between actual budget and to forecast. Assist with the build-out of capabilities of setting Technology business expansion setup, Business Intelligence, and Advanced Technology and support University outreach. Managed bottling manufacturing plant operations, productions and worked on frameworks like, ISO, GMP, & EPA. Accomplishing business strategy and deals, while managing clients.

I have diverse work experience in different segments of banks such as Business, Retail Banking, Consumer, Islamic, Wealth and Investment banking. It includes working on Strategy to setting up a bank, departments, and licenses, write up of manuals, and police guidelines and managing banks own budget and expansion. Including experience in sales, recovery, credit, sanctions, portfolio management, audit, policy, control & operational risk, preparation of budgets, mergers and acquisitions, due diligence process, and coaching. Nurtured thousands of retail, SME, business startups, portfolio of new, existing, and switcher clients through eminence meetings to in-depth the relationship, maintain revenue stream and render quality service. Assisted customers with their lending requirements, supported customer international business needs and contributes to community events. Operate on frameworks including; BASEL, COSO, RCSA, AML & KYC, IRAF, and Certificated EU GDPR General Data Protection Regulation ICO. This has given me an in-depth knowledge of banking segments, and risks associated with them. Evaluate business risks, geopolitical environment, and scenario planning. Participate and lead forums on innovation, board level meetings, and several committees.

As a speaker, given lectures, presentations in organizations, workshops and universities including at the IBA Karachi, Oxford and Cambridge Club. I have students studying in top international universities and am member of world’s top strategic think tank-London. I have leadership skills, work with different nationalities on international locations, and produced mega projects results in pressured and challenging environments.

Regards

Bina ul Haq

Consultant Contracts - International Expansions / Operations/Strategy - Sept2015 present Internationally

Provide services for Banks, Energy, Manufacturing & Technology sectors.

Responsible for driving strategy for international business operations and oversee multiple key initiatives.

Provide solid or dotted line leadership and perform in partnership with departments.

Develop regional/governmental engagement strategies in establishing legal structures, acquiring licenses, regulatory matters. Interface with external firms in taxation/accounting, banking operations and legal in international markets.

Provide expertise on strategic matters, alliances and partnerships for business expansion, mergers and closures.

Identify frameworks, aggregation, arbitrage adaptation, Analyzing player, Adding Value Scorecard, & many more.

Execute corporate diplomacy activities to strategic market entry opportunities. Interface with governmental officials, local partners, Big 4’s taxation and stakeholders in Emerging Markets, Americas, Europe, USA, UAE and Asia.

Evaluate several business risks, geopolitical environment and scenario planning. Contribution to risk frameworks.

Organize with corporate and field accounting; to setup international accounting to reflect legal structure, vendor setup, account payable and account receivables.

Manage Dashboard; analysis of actual Income Statements and Balance Sheets, variances between actual to budget and actual to forecast, preparation of budgets.

Involved to established software to support the debts, collections/receivables, lending and credit lines, and AML/KYC.

Review of audit, internal controls, international compliance and risks and reports. Managed clients risk evaluations.

Managed bottling manufacturing plant operations, productions and worked on frameworks like, ISO, GMP, & EPA. Accomplishing business strategy and deals, while managing clients and their core clients.

Provide guidance to sales, logistic and supply chain management to design structures, ISO implementation safety practices, chemistries & inventory management control processes.

Hiring practices including background check, expense, & benefits.

Assist with build-out of capabilities of Business Intelligence, and Advanced Technology.

Support Startups and support University outreach.

Barclays Wealth & Investment Management -Assistant Vice President Jan 2013 till Sept 2016 London

Responsible for Global Credit Risk Business; supported the Legal, Operational Risks, Compliance in all aspects of business management function/Infrastructure and restructuring within Wealth and Investment Management. Including functional / operational governance, including Global business management reports, Risk Executive Committee ExCo meeting packs, intranet maintenance, performance management process support),, financial management (e.g. cost management, budget, invoice reconciliation, reporting), business critical projects, and presentations.

Worked on Risk and frameworks including BASEL. Business continuity management, strategy development &monitoring.

Setup Wholesale Credit Committee (WCC), managed Credit Risk team monthly credit/lending sampling process, IR Investment, Representatives loans, promissory notes, debts and recoveries discretions, deferred loan documents, provision of forgivable loans, reviewing AML and KYC.

Day-to-day operation of cost management e.g. travel and expense approval process, purchase order and invoices process. Coordinated the annual budget process and adherence; monthly review, analysis and challenges with business partners.

Coordination of Risk Adjusted Profit, compliance allocating costs out to the various businesses, supplier / contractor.

Management of location move/closure, remote work, and production of monthly and adhoc reporting as required.

Management of global position function; recruitment, new joiners setup and process leavers.

Worked with Corporate Real Estate Services, management desk space, sampling process for collateral evaluation Managers.

Managed key clients partnerships (internal and external): Global/Group Risk team, Finance, Relationship team, Risk Exco members, Global Executive Management team, Human Resources support /Recruitment.

Barclays Bank – Business Manager– January 2010 till January 2013 London

Nurtured Retail and SME Business customer’s portfolio of new, existing and switcher clients through eminence meetings to in-depth the relationship, maintain revenue stream and render quality service.

Established customers current and future financial needs, recommend business solutions coping with administrative burdens, facilitating SMEs’ access to finance, supporting SMEs in their bid to access new markets, ensuring fair competition, promoting education and skills for entrepreneurship, encouraging research and development, supporting SMEs in a regional and environmental context.

Assisted customers with Lending requirements and follow Lending guidelines.

Supported customer International Business needs with our Business Abroad proposition.

Generated incomes for branches/ cross businesses via cross sale of consumer banking solutions.

Concluded High Risk Business Reviews, protective and profitable for clients and Barclays.

Communicated in external environment e.g. presentations to Key Business Introducers, to gain new business.

Contributed share in Community events and raise Bank's profile in the business community.

Participated in internal forums of innovative ideas and process improvement.

Conducted morning huddles to up skill colleagues and embed customer focused culture.

Utilized risk expertise and provide feedback, appreciated by Top Management for initiatives.

Consultant and Contract Assignments 2007 - 2010 London

Operational Risk Manager Islamic Bank of Britain - September 2007 till December 2007 London

Involved in several assignments related to Risk, SME, Credit, and International expansions.

Developed IBB, Operational Risk Policy Risk Control Standards, Operational Risk Self- Assessment Template, Key Risk Indicators, Early Incident Reporting and presentation for staff on Risk awareness.

Reviewed and deliver Risk mitigated Quality oriented changes in processes.

Assisted IBB Operations in initial setting up and execution of BASEL.

Involved in assignments on Compliance, Risk and Controls - COSO framework.

Responsible for evolving Presentations and Write-ups on RSCA and Self-Assessment Checklists.

Dubai Islamic Bank Ltd - May 2007 till August 2007

Senior Policy Manager for Secured Products – Mortgage and Autos (Consumer Credit Division/SME/Business)

Developed and reviewed Policies, Manuals, and commented on shortfalls.

Liaised with external agencies for Legal documents verification according to the law.

Reviewed the Portfolio booking and monitored booking MIS to identify trends in the portfolio.

Participated in Quality circle, Bizmom meetings and forums to address and solve issues.

Developed Self-Assessment Checklists and provided assistance in Audit and regulatory requirements.

Ensured the process of repossessed vehicles was intact and all deferral documents were in place timely.

Dubai Islamic Bank Ltd-Dec 2005-May 2007

Head of Internal Control Unit (Internal Audit & Operational Risk Division)

Supported Launch of DIBPL in Pakistan, did licensing for the bank and its branches, fit and proper criteria for the CEO and executed management to spread branches network.

Set up of a formal structure of the Internal Control Unit, development and Implementation of its Manual containing the policy statement, processes and procedures.

Evolved Bank and branch launch checklists; it's compliance prior to regulators inspection.

Assisted in development of Operational Risk Manual, Anti-Fraud Manual and Key Risk Indicators.

Reviewed and recommended appropriate changes on the departmental Manuals and policies before sign off.

Namely, Product Management Program of Mortgages, Autos, Cards, and department wise Collection, Fraud Management Manual, Call Centre Manual, Process Flows & Procedures, Service Level Agreements and Agreements/applications. Also, reviewed agreements of branch premises and vendors.

SME infrastructure; exposure of bank, review of lending/credit, indemnities, personal guarantees and guarantor's assessment.

As a control tool, evolved Risk and Controls Self-Assessment Checklists across the bank.

Conducted Internal Audit and Control reviews, and issued reports with suggestions.

Reviewed System Reports and recommended suggestions to manage shortfalls.

Communicated along Chief Internal Auditor with Board Members - UAE, External auditors, Credit rating agency, Inspectors of State bank of Pakistan on internal control matters.

Conducted IRAF - Institutional Risk Assessment Frame exercise and BCP - Business Continuity Plan.

Implement COSO framework, RCSA and BASEL II, User Acceptance Test, Compliance Projects Know Your Customers & Anti Money Laundering.

Standard Chartered Bank (former Union Bank Ltd) Nov 2003- Dec 2005

Group Relationship Manager (Consumer Sales, Credit & SME)

Rotated in SME Group Consumer Credit (External Agency Management, Operations, Fraud Unit, Credit Initiation, Online Authorization, New Account Section, Policy, Collection Recovery & Verification units).

Sale of repossessed Autos-Mortgages and Managed a portfolio of Insurance Claims countrywide, and Recovered write off debt amount of £ 1,168,685/=.

Managed Collection & Recovery- Maintained outstanding relationship with Branches, Business, SME, Lending, Prime Customers, Insurance Companies Officials, Autos Dealers and Regulators for future prospects, resolving queries and forward legal cases to lawyers for litigation.

Liaised with Operations for NOCs of terminated loans, repossessed /sold vehicles and with the approving authorities for reversal, closure/rectification of problematic accounts.

Supervised Group Customer Services, participated in Quality, Business, Marketing research promotions & Product Development meetings to address & solve issues.

Developed DCFC-Departmental Control Functional Checklists/ assessment, conducted periodic reviews to avoid gaps, highlighted issues & submitted Report to Management.

Managed Team and Developed Training & Quality Manual, Desktop Manuals, Product knowledge, Core & Skill based courses, for the group.

Part of Due Diligence process, when Standard Chartered Bank acquired Union Bank.

Initiatives: - Participated in launches & developed a structure of program on “Innovation.”

Citibank- Year 2002-Nov 2003 Pakistan

Assistant Relationship Manager - (Business Sales Division)

Responsible for Business development, Sales & Promotion of Products from all Channels Branches, Sales office, Call Centre, Telesales and DSA- Direct Sales Associates and developed monthly newsletter.

Managed Relationship with high worth customers by providing excellent customer service.

Assisted in Management of DSA outlets and exercised Controls Self Assessments.

Supervised Customer Services and Walk Inn unit and maintained Complaints and Fraud MIS.

Developed Training courses and trained Sales Channels staff on Soft Skills & Product knowledge courses.

The first trainer to train Citi Phone Banking on CROSS SALES in Pakistan.

Involved in Marketing research, Promotions and provide feedback for Product Development.

Internship July Aug. 02 ICI - Supply Chain &Marketing dept (Uniqema)

Developed Training and Development Standards, it's Questionnaire for Uniqema staff.

Organized a workshop on Safety & Health Environment for Calatac Glue and Carpenters.

Assisted in ”Campaign of Calatac Glue” (Slogan, Logos, Packaging, Road show)

Formed Material Handling Contract, “Regional Sales Analysis”, Compiled data on export of textiles, exporter and developed its graphical presentation.

Family Business Textile – 1994 - Manufacturing and Plant - Managed late father’s textile factory in young age.

2022 - Manufacturing / bottling plant operations, e-commerce Amazon production and preparation for clients.

Education

Masters Level Strategic Management Global Business United Kingdom

Said Business School – University of Oxford

MBA G.P.A 3.45 Marketing & Finance PAF- KIET Karachi

Member of International Institute for Strategic Studies Think Tank London

Trained on Several Business Frameworks, Technical and Soft Skills Courses

Project Management Supply Chain Upper Mid and Down Stream – Health & Safety

Islamic Banking Business Banking Academy Wealth and Investment Banking

KYC / Anti Money Laundering Compliance Sanctions EU GDPR General Data Protection Regulation

Business Continuity Audit Training BASEL COSO Internal Control DOD Frank

Credit Lending/Score Card Operational Risk Risk Management Consumer Credit

Collections Modules Total Quality Management Fraud Management - Sales Force Management

International Expansion Frameworks Scenario Planning Negotiation Skills- Communication Skills

Motivation & Positive Thinking Team Building- Selling Skills Call Handling Skills - Customer Service

Trade E- Commerce International Manufacturing & Warehouse

Blue Ocean Staregy

Achievements

Scholarship holder in MBA, highest GPA in Marketing and Strategic Management course.

Deans Secretary & Class Representative leader.

Schools - Received Certificate, Shield & Prizes for arranging seminars, poetry & painting in competitions.

Banks - Prizes and Certificates of achievements, Barclays Platinum Award, achiever in Business, Lending, Mystery shop, Think Smart CEO letter and represented National call.

SCB former UNB - Recovered £1,168,685/= by resolution of countrywide insurance cases.

As a speaker given lectures and presentations in organizations, workshops and the universities including at the Oxford and Cambridge Club. Topics including; Global/International Business Expansion, projects based on intense research, applications of frameworks and regulation, corporate diplomacy and Information and Technology. (NDA).

Publications List

Published in Several Business Journals, SSRN and Google Scholar.

Impacts Of Russia’s New Amendment: Putin The Iron Man Who Reformed The Constitution

https://www.eurasiareview.com/22072020-impacts-of-russias-new-amendment-putin-the-iron-man-who-reformed-the-constitution-oped/

SUPPLY CHAIN SCENARIO PLANNING – CORONAVIRUS SYNOPSIS QUESTIONS

https://foreignpolicynews.org/2020/03/07/supply-chain-scenario-planning-coronavirus-synopsis-questions/

RUSSIA AND USA SCENARIO PLANNING – TRUMP AND PUTIN MEETING – BUSINESS BOOM OR LONELY TO PROVE THAT THEY ARE RIGHT?

http://foreignpolicynews.org/2018/07/16/russia-and-usa-scenario-planning-trump-and-putin-meeting-business-boom-or-lonely-to-prove-that-they-are-right/

PUTIN’S RUSSIAN ELECTIONS: GEOPOLITICAL IMPACTS, ECONOMIC AND FOREIGN POLICY, AND INTERNATIONAL BUSINESS

https://foreignpolicynews.org/2018/03/18/putins-russian-elections-geopolitical-impacts-economic-and-foreign-policy-and-international-business/

SCENARIO PLANNING BREXIT REFERENDUM – DO NOT PUT EGGS IN ONE BASKET

http://foreignpolicynews.org/2016/06/24/scenario-planning-brexit-referendum-not-put-eggs-one-basket/

GLOBAL BUSINESS SCENARIO PLANNING – UNCERTAINTIES AND SUGGESTIONS FOR THE FINANCIAL WORLD

http://foreignpolicynews.org/2016/04/02/global-business-scenario-planning-uncertainties-suggestions-

financial-world/

PRUSSIA TO RUSSIA BUSINESS STRATEGY AND FOREIGN POLICY – ECONOMIC WAR IN EUROPE

http://foreignpolicynews.org/2015/07/14/prussia-to-russia-business-strategy-and-foreign-policy-economic- war-in-europe/

GREECE DEBT CRISIS: SCENARIO PLANNING FOR FUTURE GLOBAL IMPACTS

https://seekingalpha.com/author/bina-ul-haq/articles#regular_articles

Oxford Scholar on PTV discussing socio-economic issues of Pakistan on Mr. Babar Gorsi’s Talk Show

https://www.facebook.com/monihaq/videos/10156662910586119/

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