Risk Management Treasury Operations

KHALID MAHMOOD

Massachusetts, US

+1-781-***-**** ******.**.**@*****.*** linkedin.com/in/khalidbk PROFESSIONAL SUMMARY

Certified Treasury Professional with 18+ years of extensive experience in treasury management, optimizing cash flow, risk management, intercompany financing, funding strategies and bank relationships across diverse international settings. Design and implement cash consolidation frameworks, improve working capital efficiency and optimize liquidity. Adept at managing multi- million-dollar portfolios and implementing cost-saving measures. Focus on process improvements, automation and workflow efficiencies. A results-driven leader skilled in forecasting, FX risk control, and regulatory compliance, foster collaboration across multiple teams, subsidiaries and investment units.

CORE COMPETENCIES

Treasury Operations

Liquidity & cash management

Bank relationship management

Regulatory Compliance

Budgeting and forecasting

Collaboration with AP/AR teams

Financial risk management

Working capital management

Financial analyses & reporting

KPI dashboard reporting

TMS Implementation/Automation

WORK HISTORY

TREASURY CONSULTANT-REMOTE 08/2024-Present

FINITE ACCOUNTING

Oversee daily cash operations, ensuring optimal liquidity to meet the organization's financial obligations and operational needs

Provide consultancy to clients on various treasury functions, including cash management, process improvement, and risk mitigation techniques.

Identify, evaluate, and implement strategies to mitigate financial risks, including those related to currency fluctuations and interest rates.

GROUP TREASURY MANAGER 07/2012-07/2024

ZAMIL GROUP INVESTMENT HOLDING COMPANY

Directed centralized treasury operations and project financing, ensuring alignment with the group's strategic objectives across diverse sectors, including real estate, offshore services, construction, plastics manufacturing, facilities management, mechanical repairs, trade & services, food, and travel. Reported directly to the EVP and CEO.

Optimized cash flow forecasting, cash sweeping, ensuring adequate daily liquidity and reducing cash positioning time by 25%. Maintained sufficient funds for operational needs across 10 subsidiaries, resulting in a $2.8M annual cost saving. Managed and maintained 120 plus bank accounts.

Implemented risk mitigation strategies, including funded and non-funded lines, corporate guarantees, reducing exposure by 30%. Managed a currency portfolio of $20M, minimizing volatility risks in multi-currency FX transactions.

Managed a debt portfolio of $1.3BN, reducing weighted average borrowing costs by 15%, saving

$4M annually. Optimized investment strategies for surplus funds, achieving a 10% ROI and generating $3M annually.

Led the implementation of a new TMS, increasing reporting accuracy by 30% and compliance adherence by 35%. Automated manual processes, reducing operational errors.

Strengthened relationships with 12 financial institutions, securing aggregate $215M in competitive funding terms and maintaining significant improvement in credit facility terms. Negotiated banking fees, reducing annual costs by $500K.

Partnered with AP & AR teams to enhance cash forecasting accuracy, reducing short-term borrowing needs by 20%.

Directed a team of 5 treasury staff, achieving 85% KPI alignment with organizational goals. Delivered 2 training sessions annually, enhancing team performance and productivity

Ensured 100% compliance with SAMA (Saudi Arabian Monetary Authority) and other regulatory frameworks, conducting 2 successful audits annually. Implemented robust internal controls, reducing compliance risks.

Supported treasury functions in due diligence, integration planning, and execution during M&A transactions and corporate restructuring.

Ensured adherence to debt covenants and financial ratios, facilitating reporting for credit rating agencies.

Assisted in structuring and executing financing solutions, including syndicated loans, revolving credit facilities.

Worked with finance and IT teams to align treasury operations with ERP and FP&A systems, enhancing forecasting accuracy and financial visibility FINANCE COORDINATOR 10/2005-06/2012

DOCTORS WITHOUT BORDERS – MÉDECINS SANS FRONTIÈRES BELGIUM Managed diverse financial and operational responsibilities across multiple countries, contributing to humanitarian aid projects.

Kenya Supply Unit: Defined operational stakes for the regional supply center, optimized liquidity, introduced invoicing processes.

South Sudan: Developed donor proposals, monitored compliance, and devised budgets. Ensured accurate financial reporting and adherence to donor requirements.

Pakistan: Centralized field accounting, reduced housing and transport expenses, streamlined online payments, and implemented tax systems in alignment with local laws. Led in-house trainings to empower the local staff.

Malawi: Conducted internal audits, restructured departments, and developed procurement and finance guidelines for effective control.

Demonstrated strong leadership and financial acumen, ensuring sustainable funding across challenging humanitarian contexts.

EDUCATION

Master of Business Administration (MBA) Aug-2004

Capital University of Science & Technology (CUST)

CERTIFICATIONS

Certified Treasury Professional (CTP) July-2020

MEMBERSHIP

Member - Association for financial professionals (AFP) -US

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