* ** *

ISCHRAT J. KHAN

**** ******* ******

Oakville, ON L6M 0S1, Canada

Cell: +905-***-****

Email: adq22s@r.postjobfree.com

Applying for: Head FCC Governance and Analytics

I am very interested in the above-noted position that I came to know through Postjobfree.com I am an experienced and diversified banker worked extensively in Governance, Risk management, Auditing and Internal controls covering almost all activities of the bank.

I have the ability, knowledge and skills to effectively perform the responsibility of the above mentioned job. I was instrumental in setting up a risk-based audit program based on IIA (Institute of Internal Audit, USA) standards and best practices covering all Conduct, Financial Crime and Compliance issues including AML Investigations. I was also part of the committee for assessing Risk, Governance and Controls for all Bank’s divisions.

I have a strong background in Auditing, Compliance, Risk management & Internal Controls and have handled several central bank’s inquiries and dealt directly with the regulators, as and when required. I have sound knowledge and skills in the following fields:

- Auditing

- Compliance

- Credit Risk Management

- Operational Risk Management

- Market Risk Management

- Corporate Governance

- Capital Market Activities

- Internal Controls

- Corporate, Commercial & Retail banking

- Training & Coaching

I have acquired the above mentioned skills due to my hands-on experience in Audit and Compliance of Retail Banking, Corporate and Commercial Banking, Wealth Management, Group Treasury, Capital market activities and Asset Management that included all associated controls and risk management issues. I was continuously involved in Brokerage, margin lending, mutual funds with the Bank’s brokerage and investment division. I also regularly managed a full audit review of the audit of Fransi Capital (Investment Banking arm of Banque Saudi Fransi). I have imparted training in various banking topics such as Trade Finance, Basel II & III requirements, Risk Management, Anti-Money laundering, etc. I have been working with the Saudi French Bank, Riyadh, Saudi Arabia, as a Deputy Chief Auditor (last position held) and a year as Chief Auditor. This is a joint venture bank with Credit Agricole Corporate & Investment Bank, Paris, which is the largest joint venture bank in Saudi Arabia.

I was also involved with the Bank’s Operational Risk Assessment Committee, Operations and Control Committee, New Activities and Products Committee representing Audit Division. With my sound knowledge and experience gained through international exposures with world class banks (Banque Saudi Fransi, Riyadh and The Commercial Bank of Dubai (originally managed by Chase Manhattan Bank, New York.), I believe I can add great value to your esteemed organization.

I shall appreciate if you give me an opportunity of an interview to explain how I can be useful to your well-reputed organization. My detailed resume is attached here and I am eagerly looking forward to hearing from you. Sincerely yours,

Ischrat J. Khan

Cell: +905-***-****

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ISCHRAT J. KHAN

2447 Chateau Common

Oakville, ON L6M 0S1, Canada

Cell: +905-***-****

Email: adq22s@r.postjobfree.com

SENIOR AUDIT/RISK MANAGEMENT/COMPLIANCE DIRECTOR

Deputy Chief Auditor/Head of Compliance/Credit Risk & Management professional Experienced professional with proven success in international branch banking, retail, corporate/commercial credit, and internal auditing/compliance environments. Demonstrated skills in anti-money laundering, anti-terrorist financing, risk management process (operations, credit, market/reputational), mutual funds, and internal controls. Expertise in retail, corporate, commercial, and investment banking products and services. Well-versed in Credit risk management, capital and treasury markets and fraud investigations including AML & ATF compliance. Extensive background in working with regulators and external auditors. Diversified experience in the following areas:

Credit Risk Management

Operational & Market Risk

management

Staff Training and Development

Process Improvement/Internal Controls

Bank Branch Administration

All Corporate Regulatory Compliance

Internal Auditing/Compliance

Risk Management & Controls

Global & Capital Markets Activities

Team Building and Leadership

PROFESSIONAL EXPERIENCE

I & Y Consulting, Inc., Toronto, ON

President, 2016-Present

Assist diverse array of clients with management consulting, financial advice, auditing, training, and other services.

Advice customers on investing in real estate in U.S. based on my own successful model with good returns and reduced risk.

Salman Al-Terais Construction Company, Riyadh, Saudi Arabia Director Finance and Administration, 2013-2015

Helped establish new real estate fund while partnering with construction group on financial and administration operations and managing finance team. Trained 15 local bankers on Risk Management and Internal Controls in Banks (Basle II, COSO), Operational Risks and Basel II, Corporate Banking Products and Services including Islamic Banking; Compliance, AML and CTF (for core banking activities); Compliance, AML and CTF (for investment banking activities).

Improved financial systems (Controls & regularization of Receivables – about US$ 4 Million)

Helped establish small real estate Investment Company in collaboration with German investment firm. Banque Saudi Fransi, Riyadh, Saudi Arabia

Chief/Deputy Chief of Audit Group, 2003-2013; Senior Audit Division Manager, 2001-2003 I was Head of Internal Audit/Compliance for one year in 2003 replacing the Chief Auditor of Credit Agricole & Corporate Investment Bank, Paris. Once an incumbent was found by Credit Agricole, as per their management agreement, I took over the position of Deputy Chief Auditor/Audit &Compliance. Assisted Chief internal auditor with audit committees, budgeting and planning, improving auditing standards and other assignments. Partnered with three regional managers to administered risk-based audit plan related to head office group/divisions and centralized processing department audits. Aided inspector general/chief internal auditor in daily operations and administration and served as backup in his absence. Developed medium-term work plan for audit committee, arranged meetings and created quality assurance and improvement initiative complying with Institute of Internal Auditors, USA standards.

Successfully managed annual audit/compliance review of Saudi Fransi Capital (investment subsidiary of Banque Saudi Fransi) as per service level agreement.

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Completed bank-wide review of credit portfolio covering all risks in Corporate, Commercial and Retail credit including level of compliance with corporate governance, risk management and internal controls.

Regular review of Wealth Management and Private Banking reviews covering all compliance issues.

Finished a study of possible merging of two divisions of the bank i.e. wealth management and private banking division, which finally resulted in the merger for better and efficient handling of business.

Analyzed impact of “Sharp Decline on Saudi Arabian Capital Market Index (TASI)”.

Reviewed and implemented Credit Agricole, Luxembourg Assist anti-money laundering software.

Organized a unique governance, compliance and internal control reviews across the bank covering among others AML & ATF regulations, which was well recognized by executive management and Credit Agricole Corporate & Investment Bank of Paris.

Helped improve investment services division’s risk management and internal control functions.

Co-implemented Basle II Operational risks management in bank audit division.

Updated audit methods with risk-based approach and introduce Quality Assurance & Improvement Program

(QAIP).

Automated audit work with TeamMate 2000 tool that conducts entire governance, audit and compliance reviews electronically resulting in significantly-improved efficiency including open exception resolution.

Increased audit team’s knowledge and skill by facilitating proper training. Additional Professional Experience

Dy. Chief Auditor/Senior Audit Manager, Banque Saudi Fransi, Riyadh, Saudi Arabia Audit Manager/Team Leader, Banque Saudi Fransi, Riyadh, Saudi Arabia Branch/Operations/Credit Manager, Saudi Fransi, Tabouk/Al Medina/Jeddah, Saudi Arabia Supervisor, Financial Controls Department, The Commercial Bank of Dubai, United Arab Emirates (affiliate of Chase Manhattan Bank, New York)

Assistant Manager, SITE Br; Habib Bank Limited, Karachi EDUCATION AND CREDENTIALS

Bachelor of Science in Mathematics

Trainings

Auditing Investment Bank Training, Merrill Lynch New York, Riyadh, Saudi Arabia, Interpreting Financial statements for Lending purposes, Institute of Banking, Riyadh, Hedge Funds Conference, Dubai International Financial Center, Riyadh, Saudi Arabia. Accounting and Controls for Capital Markets and Derivatives Training; The U.K. Facilitators Company, Riyadh, Saudi Arabia.

Financial Strategies in the Banking Industry Workshop, INSEAD PARIS, France, Licensure

Canadian Securities Certification, Canadian Securities Institute, Toronto, ON Technical proficiencies

Microsoft Office Suite; Teammate Auditing Software PROFESSIONAL ASSOCIATIONS

Institute of Internal Auditors, USA

Certification Canadian Securities Institute (CSC)

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