+1-365-***-****/ ad3egp@r.postjobfree.com

HAIDER ALI

EXPERIENCE SUMMARY:

HAIDER ALI's experience appears to be concentrated in Finance/Financial Planning, Mortgages, Credits/Finances/Loans, Collection/Recovery, Risk Management & Regulatory Compliance (KYC/AML/DUE DILIGENCE/BASLE) with special exposure to Office Management/Office Administration, Customer/Client Relationship & Customer Complaint/Conflict Resolution. He has more than two decades of work experience, with more than 10 years of management experience, including a mid-level position.

Professional Skills:

Banking (Retail/Corporate/Commercial/International), Business Development, Credits, Deposits (Current/Savings/Term Deposits), Finances, Mortgages, Operational Management, Accounts Receivable/Payable, Budgeting, Coordination, Customer/Client Relationship, Complaints Resolution, Office Management/Office administration, Risk Management & Regulatory Compliance (KYC/AML/DUE DILIGENCE/BASLE) etc.

Credit Administration:

Analyzed/Evaluate such factors as Income growth, Quality of Management, Market-Shares, Potential Risks of Business / Industry, Collateral Appraisal and Credit history using recorded data.

Financial Analysis:

Analyze Financial Statements, Profitability, Liquidity and Cash flow Position of potential Customers/Borrowers, Entrepreneurs companies and Group of Companies.

Evaluating Borrower’s Financial status such as Repayment capacity, and obligations with other Financial Institutions and Net Worth etc.

Prepared Credit Reports and Memorandums & Summaries for submission to Higher Management for effective decision making.

Operational Performance:

Monitor Operational Performance of branches falling within the purview, which included Deposit Growth, Business Growth, Credit expansion, Budget and Expenditure Control, Investments and Placements and review of overall Monetary Operations.

Establish Profitability Standards for Investment Activities.

Supervise the development and implementation of financial simulation models

Budget and Planning:

Analyzed Budgets and justified Budget requests for allocation of Funds as per priorities.

Directing & ensuring the implementation of effective Fiscal Management Policies and Procedures.

Planned Business Strategies according varying market trends.

Oversee Policy implementation and its deployment at Branch Network.

Audit Review:

Monitor Audit compliances of branches and their follow-ups.

Evaluate financial reporting systems, accounting procedures and make recommendations for procedural changes.

Ensuring Rectification in Operational Performance, System lacunas and procedural deviations.

Prepare Audit Report for scrutiny by Board of Directors.

Report to Senior Management concerning any trends that are critical to the organization's Financial Performance

Key Achievements:

Introduced Systems & Procedure to streamline Compliance Divisions effectiveness & efficiency as per Standard Banking Procedure and Prudential Regulation requirement of Central Bank of the Country.

Computerized the whole system of Customer Complaints, beginning with Receipt of Complaints from Customer/Central Bank, Banking Ombudsman, Diarizing the Complaints, Interim Response to Customer/Central Bank, Banking/Ombudsman. Effective and prompt follow-up with Area of Operations and Prompt redressal of Customer/Complainants with a satisfactory response to Source (Customer/Central Bank/Ombudsman as the case may be), thereby reducing the Customer complaints to less than 50 %

Conducted enhanced due diligence (EDD) on existing clients in accordance with Bank's CIP policies and the USA Terrorist Financing Act for international clients and sensitive domestic clients or those associated with high- risk countries.

Provided oversight and execution of AML transaction and account monitoring surveillance.

Advised senior management on risk assessments; monitoring and testing; suggested new policies, procedures and programs to put in place as per Central Bank's Regulatory directives.

Provided feedback on work completed by other investigators to ensure quality, accuracy, and effectiveness (Quality Control and Quality Assurance).

Investigated and provided guidance and advice to multiple lines of business (Credit Card, Retail Bank, and Online Banking) risks associated with high-risk customers, transactions, products, services and geographies; compliance requirements and related controls and regulatory expectations and/or industry practices.

Completed and advised on items to improve deficiencies in the KYC program, internal controls, and independent testing.

Review & Streamlining Credit Approval Processes on following lines:

Streamline Credit Processing by enhancing pre-defined processes.

Collection of Credit Data and its Analysis

Reviewing the Credit Proposal against Prudential Regulation/Regulatory Frame Work/Policy guidelines

Risk Review/Assessment.

Review of Borrowers Credibility & Collaterals

Final Review and Risk Assessment.

Credit Disbursements, Checks & Documentations

Experiences:

Sept. 20, 2021 Worked for Election Commission of Canada as” Registration Officer” for 14 hours

Sept 2012/ Sept. 2022 Five Star Innovations (Office Administrator/Office Management)

Roles & Responsibilities:

Office Administration

Credits/Finances/Bank Affairs

Account Management

Business Development/Management

Account Receivable/Payable

August2010/July 2012 mybank Ltd (Officer/Executive)

Roles & Responsibilities:

Compliance (Regulatory)

KYC/AML/Due Diligence

Customer Relationship

Complaint Resolution

Credits/Finances (Inclusive of Trade & Consumer Finances)

Collection Recovery (Receivables)

August 2007/July 2010 Emirates Bank International (Officer/Manager Operations)

Roles & Responsibilities:

Branch Banking

Credits/Collection Recovery (Account Receivable)

Trade Finance (Documentary Credits/Collections)

Remittances & Foreign Currency Accounts/Transaction

Account Management

Compliance (Regulatory)KYC/AML/Due Diligence

June 1979 – March 2004 Habib Bank Ltd. (Officer/Manager/AVP) Pakistan/ S. Oman (Middle East)

Roles & Responsibilities:

Branch Administration

Customer/Client Relationship, Customer Complaints, Conflict Resolution

Management of Branch’s overall Operations & Performance

Funds Management/Investments/Placements.

Credit Management/Collection Recovery

Budgeting/Expenses Control

Loans/Finances

Risk Management

Regulatory Compliance (KYC/AML/DUE DILIGENCE/BASLE)

AREAS OF EXPERTISE:

Assets Management (Account Receivable/Collection/Recovery)

Business Development/Business Management

Branch Management/Operational Controls/Cash Managements

Customer/Client Relationship, Customer Complaints, Conflict Resolution

Credits/Finances/Mortgages & Collection Recoveries

Funds Management/Investments & Placements/Money Market Operations

Guarantees (Advance Payment, Bid Bond, Performance Bond & Shipping Guarantee)

Imports/Exports (Documents/Procedures)

International Banking/International Regulations.

Loans/Finances, Lease Financing, Consumer/Commercial Finance & Project Financing

Letter of Credits/Standby Credits, Documentary Collections (Imports/Exports Business)

Office Management/Office Administration

Risk Management

Regulatory Compliance (KYC/AML/DUE DELIGENCE/BASLE II)

Education:

B.A (Bachelor’s Degree) St. Patrick’s College Karachi/University of Karachi - Pakistan

Computer Literacy: Windows, MS Office, Outlook, Adobe, Quick Books, Simply Accounting, Meetings Software and

Social Media Programs Internet, E-mail

Courses: Project Management (PMI Methodology) - 2008

Certification: Certificate of Completion from NCP Canada in Accounting & Finance

(Course Contents: Excel, Quick Books, Simply Accounting) - 2015

Additional Information: Exceptional Customer/Interpersonal, Analytical & Problem-Solving skills, accustomed working in fast paced multi-tasking environments with ability to think quickly/successfully & handle difficult clients/situations.

Proficient in English communications (both written and spoken), Report Writing, Minutes of Meeting, Memorandums & Commercial/Legal Correspondences etc.

I am Canadian Citizen; have a valid Canadian Driver’s License “G” with clean abstract, and own a reliable vehicle. I am comfortable with Evenings, Week-ends, Holidays or Overtime.

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