ZEESHAN ZULFIQAR

Address: House # **, Street No *,Phase II Mansoorabad, Sargodha.Pakistan

Voice: 0092-300-***-**** E-Mail: ady9hq@r.postjobfree.com

OBJECTIVE

To work in a competitive & challenging working environment to contribute the best of my abilities towards the growth & development of a progressive company & organization. To utilize my interpersonal & academic skills, extend my current knowledge in this field to pursue a challenging & rewarding career as an executive.

PROFESSIONAL BANKING EXPERIENCE-(Sixteen Years-Operations Department)

KEY RESPONSIBILITIES

Reconciliation of all cash suspense accounts on a daily basis. Review of systems and controls on a regular basis, identifying bottlenecks and control weaknesses with a view to achieving improvements, in liaison with Operations, Information Technology, Compliance and Branch Sales & Services Manager

To act as dual custodian of a Safe Custody Lockers to ensure the compliance with departmental operating instructions and other circulars of instructional nature relating to Safe Custody Lockers.

Responsible for submitting SBP Foreign Exchange Returns/Tax Submission/ Supervision of chq. Book request/cheque Book instruction of all Customers.

Balancing of cash vault at day end.

Retention of hold mail statements and advises under dual control. Checking of account opening forms.

To ensure that the branch Premises maintains highest standards of hygiene, cleanliness and comfort.

Manage system integration process SCB and Ex-Union Bank Both Systems in the Branch.

Reconcile & manage all branch vouchers.

OTHER SKILLS & COMPUTER LITERACY

Microsoft Windows ( VISTA, XP, 2000, 98,)

Proficient Knowledge of Microsoft Office/ Microsoft Excel & Microsoft PowerPoint.

Computer proficient, especially Banking Software Operations MISYS Equation-AS400/ Ebbs and Cashier system & AB-II,

To handle entire foreign home remittances payments effectively along with thirty different companies e.g., (Money Gram/Dex.international / Placid enterprises/Habib express etc).

Comprehensive knowledge of the branch banking products. Good communication and interpersonal skills.

Problem solving, analytical abilities and quick decision making abilities.

I have strong background of using mathematical and statistical techniques.

I am familiar with processing credit card transactions and operating a cash register.

EDUCATION

BSC University of Sargodha, Pakistan Majors: (Mathematics / Statistics & Economics)

OTHER INFO

Religion: Islam Nationality: Pakistani Marital Status: Married Language: English, Urdu, Punjabi,

1-Sindh Bank) Limited.

Dept: Banking Operations Designation: [Branch Manager /Grade - VP]

Currently, I am supervising the overall supervision and responsibility of the branch in all respects encompassing branch affairs /managing the budget / admin issues / handle the customer queries according to the bank policy /handle the branch transactions in efficient manner & ensure to minimize the risk. followed the bank internal polices & SBP regulations & properly keep awareness into other staff & subordinates about the new circulars. & ensure that all polices & procedures are applied in right approach.

Expansion of Customer Base and Mobilization of Deposit and other business.

Implementation & strict adherence to Bank's policy under State Bank regulations and Pakistani Laws.

Checking of cash in safe as per procedure.

Surprise checking of balancing of Ledgers.

Signing and supervision of all Vouchers.

Monitoring Branch Expenses.

Coordination between Management and Staff.

Guaranteeing timely submission of Head Office and SBP returns.

Monitoring of staff as well as guard's activities.

Handling of customer complaints.

To personally attend and reply Emails sent by Head Office.

Process and recommend various processing/authorization levels & Limits to Head office.

Holding Safe Keys as per procedure.

Management of Key Register.

Checking of Suspence A/cs.on Daily basis.

Efficiently maintain KYCs of accounts & periodically checking /amend the same as per their business transactions in order to avoid any mishandling of financial activities and to prevent the money laundering as well.

July-2018 to present

Responsibilities:

1-Sindh Bank) Limited.

Dept: Banking Operations Designation: [Manager Operations/Grade- AVP-I]

To supervising the branch operations in all manners encompassing branch affairs /managing the budget / admin issues / handle the customer queries according to the bank policy /handle the branch transactions in efficient manner & ensure to minimize the risk.followed the bank internal polices & SBP regulations & properly keep awareness into other staff & subordinates about the new circulars. & ensure that all polices & procedures are applied in right approach.

Efficiently maintain KYCs of accounts & periodically checking /amend the same as per their business transactions in order to avoid any mishandling of financial activities and to prevent the money laundering as well.

Sep-2012 to July-2018

Responsibilities:

2-AL-Baraka Bank (Pakistan) Limited.

Dept: Commercial Banking Group Designation: [Manager Operations/OG-I]

Segment: Branch Banking

To supervise, monitor, control and report on all of the transactions completed within the branch to ensure that policies and procedures are applied in an appropriate way and that the risk to the business is minimized. The function also includes handling all matters relating to the Financial Crimes and Money Laundering (FCML) which covers terrorist financing, money laundering, and other types of financial crime occurring in the banking system. Also, the incumbent is required to prepare & forward branch reports and other financial reports to Financial Control Unit as and when needed. Also responsible for checking, preparing and handling all documents of all type of products in an efficient manner with high level of accuracy, thus providing superior service to the customer and protecting Banks interests..

Ensure that cash and stock of stationary (TCs, cheque books TDRs, FDRs, DD, PO, etc.) are maintained at an adequate level.

Meet Internal Service Standards provided by CS&Q and ensure that no customer complaint relating to improper behavior or poor service is received.

June 2012 to

Sep-2012

Responsibilities:

3- KASB Bank Limited

Dept: Commercial Banking Group Designation: [CSM/Manager Operations/OG-I]

Segment: Branch Banking

To supervise, monitor, control and report on all of the transactions completed within the branch to ensure that policies and procedures are applied in an appropriate way and that the risk to the business is minimized.

Ensure that cash and stock of stationary (TCs, cheque books TDRs, FDRs, DD, PO, etc.) are maintained at an adequate level.

Meet Internal Service Standards provided by CS&Q and ensure that no customer complaint relating to improper behavior or poor service is received.

Oct 2008 to

June-2012

Responsibilities:

4- Emirates Global Islamic Bank Ltd.

Dept: Commercial Banking Group Designation: [Remittances Officer/OG-II]

Segment: Branch Banking-Operations

Responsible for handling all branch reporting & daily checking of operational transactions along with issuance and balancing of local and foreign remittances and other deposits etc.

To ensure continuity of operations in case of system breakdown or malfunction.

To ensure that all GL Heads of Assets/Liabilities, Income and Expenditures reflect correction position in accordance with State Bank Pakistan regulations and International accounting standards.

To support product processing and service deliveries

To maintain Audit Trails properly and perform branch operations strictly in line with SBP regulations and the bank's policies and procedures

To maintain accurate MIS of all branch operations

To ensure deduction and deposits of withholding tax and Zakat and relevant challans are submitted to SBP / Tax Authorities and relevant statements are prepared.

To resolve day to day customer queries related to branch operations

Manages collections, remittances, time and call deposits.

To issuance of Cheque books, Cheque book balancing

June 2008 to Oct 2008

Responsibilities:

Oct 2007 to June 2008

Responsibilities:

Oct 2007 to June 2008

Responsibilities:

5- Standard Chartered Bank Pakistan Ltd.

Dept: Commercial Banking Group Designation: [Universal Teller/G-9]

Segment: Branch Banking-Operations

I was responsible in dealing of entire accounts /PO /Remittances / admin dept. / different reports and other relevant job without default.

Ensure discipline and visible co-ordination with customers and subordination to supervisor.

Responsible for handling the cashier system; handles payments from various branch and foreign and local transfers, and reconciles cash transactions at the end of the day. The incumbent of this role is also responsible for handling all customers’ queries and complaints. Maintaining TAT for every operation in Cash Department. Daily balancing and closing of the Cash books. Reporting to HO & SBP, monitoring records for audit trail purposes. Update knowledge on circulars from SBP/Bank on cash functions.

Dec 2005 to Sep 2007

Responsibilities:

6- Union Bank Limited

Dept: Commercial Banking Group Designation: [Customer Services Officer]

Segment: Branch Banking-Operations

The prime responsibility is to provide courteous, efficient service to all customers, perform transactions as quickly and efficiently as possible combined with attention to details accuracy.

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