CURRICULUM VITAE

OBJECTS

To induce me into a reputable organizational environment that would provide me a chance to polish my skills and apply my knowledge. In the future, I want to see myself as an asset to the organization.

PERSONAL INFORMATION

Name : Rizwan Afzal

Father’s Name : Muhammad Afzal

Date of Birth : 11-09-1982

Marital Status : Married

Domicile : Chakwal (Punjab)

Religion : Islam

CNIC No : 38403-9326134-3

Nationality : Pakistani

Cell No : 030*-*******

Address : House No 111, Main Street Bismillah Homes UniversityRoad Sargodha

ACADEMIC CAREER

Education Board / University

Graduation University of sargodha

Intermediate BISE Sargodha

Matriculation BISE Sargodha

Professional Career

Worked in Standard Chartered Bank Pakistan Limited In the Following Posts o UT (Universal Teller).

o Back Office Officer.

o LC (Locker Custodian).

o Remittance Officer from May 2008 to September 2015.

Working in Bank Alfalah Pakistan, Limited Earlier Worked as o Sr, CSO (Counter Services Officer) in BAFL Satellite Town Branch Sargodha. o CRO (Customer Relationship Officer) in BAFL Main Branch Sargodha. o CSM (Counter Services Manager) in BAFL Main Branch, Sargodha.

Now working as BOM (Branch Operations Manager) in BAFL Satellite Town Branch Sargodha.

Key Responsibilities

Implement a strategy and action plan to improve the Audit Rating of the branch (Minimum Satisfactory) along with achieving set targets for the Branch.

Implement AML policies in light of M1 and M2 prudential regulations and emphasize due diligence of all transactions in the branch.

Ensure Operational Standards and Procedures are compliant with BAL Policies and SBP Regulations to have an effective audit and control environment.

Manage the overall branch operations, in line with Service Quality Standards of the bank to provide excellent services to the customers.

Manage the cash position according to the prescribed cash-to-deposit ratio to maximize the profitability of the branch.

Ensure proper daily cross-checking of bank’s activity report; monitoring of suspense and reconciliation of accounts as per the bank’s operations manual.

Manage clearing, remittances, collections, online operations, Cheque Book, and ATM issuance, in order to ensure that correct procedure are adopted mitigating the risks involved.

Review all GL Accounts on a periodical basis to ensure that all amounts are parked in the relevant heads and no un-reconciled amount is appearing in the Trial Balance.

Sign off daily position reports and exchange position reports for TRY- head office perusal; cancel cheques and supervise/sign vouchers pertaining to operations of the branch as per delegated authority

Supervise/sign various periodic reports/statements to be sent to H.O and Regulatory Authorities including SBP

Ensure timely and accurate periodic reporting and statements to higher offices and Centralized Reporting Departments.

Money Gram balancing / to ensure that all branch vouchers should be scanned in PMS

Ensuring monthly updates of KYC.

Control the expenses of the branch to maximize profitability

Efficient Handling /monitoring of Administrative and HR Matters of the branch.

Dissemination of updated information to concerned staff regarding BAL’s policies and procedures, SBP’s guidelines including Prudential Regulations AML Policy

Training of staff with emphasis on developing successors in every department of General Banking for the smooth working of the operational activities in general

Keep team motivated, delegate tasks/decision making as per skills/competencies of staff; ensure timely completion of job descriptions, goal setting, and performance appraisal

Ensure 3years job rotation, and Mandatory leaves are availed in compliance with HR policy. Policies and Procedures:

Follow all relevant divisional/departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner Continuous Improvement:

Contribute to the identification of opportunities for continuous improvement of systems, processes, and practices within the function; taking into account ‘International Best Practice’, improvement of business processes, cost reduction, and productivity improvement.

Ad-hoc Requests:

Perform additional duties in line with the current role, as and when required. People Management

Additional Assignments

Strong knowledge of bank’s operating procedures and SBP’s regulations

Experience and Know-how of all branch banking operations. Behavioral Skills:

Strong communication and interpersonal skills

Achieves results by working effectively and collaboratively in a team environment

Continuous improvement, developing self and others, managing people, planning and organizing

Problem-solving, decision making

Customer Services Skills.

Internal

o Branch Manager

o Area Manager

o Operation Staff

o CSO’s

o CRO’s

o Centralized Operations

o Bank Audit & Compliance Teams

External

o SBP Inspection Team

o External Auditors

I have been awarded by Standard chartered bank Pakistan Limited for providing the best services to Customers.

Internet Banking for Corporate/SME Customers.

Training Name

Anti-Money Laundering.

Customer Due Diligence.

Customer Charter.

Operational Risk.

Reputational Risk.

Abilities & Skills

Ability to apply regulations & establish procedures correctly and accurately.

I have an ability to work in competitive environment.

Reference will be Furnished on demand

Job Specific Skills

Communication & Working Relationship

Certificate/ Trainings

REFERENCE

Contact this candidate