Regulatory Compliance International Trade

Khurram Zaheer

International Trade Manager

Texas, United States **************@*****.*** +1-945-***-**** in/zaheer-khurram SUMMARY

Experienced Trade Manager with 27 years of expertise in trade compliance, import and export operations, business targets, resource allocation, audit, and trade operations. Proven track record of successfully managing international trade activities and ensuring regulatory compliance. Applying for trade management positions to utilize extensive experience and drive business growth through effective trade strategies and resource optimization. EXPERIENCE

Senior Manager Trade Governance

HBL Bank Limited July 2020 - June 2023, Karachi, Pakistan

• Supervised the bank's trade compliance activities across the country, reducing potential regulatory fines by 30% by developing a comprehensive compliance program that included audit strategies, training programs, and implementing the Central Bank's regulations.

• Spearheaded the implementation of strict regulatory compliance of international trade practices, leading a cross-departmental team divided into 4 hubs across the country to streamline operations, resulting in a 15% increase in trade efficiency and reducing regulatory risks due to non-compliance.

• Enforced regulatory compliance frameworks as per the Central Bank's guidelines for implementing rigorous audit protocols and focusing on staff training programs.

• Monitored daily trade transactions under the guidelines of AML and TBML bank's regulations and obtained credit reports to mitigate trade and financial risks.

• Raised STR (Suspicious Transaction Reporting) through regulatory bodies regarding prospective suspicious transactions, where required.

Manager Centralized Exports

Bank Alfalah Limited (Centralized Trade Operations) May 2005 - June 2020, Karachi, Pakistan

• Initiated centralized process of export departments across the country, divided into 3 hubs with an overall increase in efficiency and accuracy, and restructured the workflow.

• Spearheaded a departmental restructuring that enhanced workflow efficiency by 35%, resulting in an accelerated export process and a significant increase in customer satisfaction for global clients and enhanced the implementation of trade compliance measures.

• Streamlined export operations by integrating a centralized database system, increasing efficiency and reducing chances of documentation errors by utilizing the best available resources. Officer Centralized Imports Department

Saudi Pak Bank Limited (Main Branch) April 2004 - April 2005, Karachi, Pakistan

• Streamlined the import documentation process, reducing turnaround time by 25% by implementing a new document management system and rigorous cross-departmental coordination amongst trade departments across the country.

• Organized import documentation procedures by implementing an automated data entry system, Bank SWIFT system, cutting processing times by 20%, enhancing compliance with international trade regulations, and reducing average processing time by 20% by implementing a digitized workflow system.

• Executed the import documentation process, which reduced clearance times by 30%, through the establishment of the bank's Electronic Data Interchange (EDI) system and reduced workflow of daily and monthly reporting procedures.

• Implemented the SWIFT system for import LC opening, payments, and various communications with other banks. Officer Trade Finance

MCB Bank Limited May 1996 - March 2004, Karachi, Pakistan

• Supervised import and export transactions, foreign currency accounts, foreign currency cheques for collection, and foreign remittances (inward/outward).

• Managed the monthly foreign exchange returns, reporting, and the bank's periodic statements and coordination with the audit team.

• Issuance of import Letter of Credit and registration of contracts, lodgement and payment of imports, various Head Office reportings, Central Bank's monthly returns, and SWIFT operations. Page 1 of 2

PROJECTS

Credit Report Generation

HBL Bank Limited, Karachi - Pakistan • August 2022 - January 2023

• Developed an automated credit report generation system that consolidated data from various sources, reducing generation time by 50%, increasing reporting accuracy for over 3,000 clients monthly, and reducing the chances of risk factors on foreign entities.

• Automated credit report system for prompt recovery of charges from the clients and generation of the database for overall monitoring of Trade transactions and reduction of Trade risks in line with AML and TBML bank's guidelines. Reconciliation of Daily Nostro Activity

HBL Bank Limited, Karachi - Pakistan • September 2021 - June 2022

• Streamlined the reconciliation process for daily Nostro accounts activities by developing an automated system that improved reconciliation accuracy and reduction of TAT timings of Trade transactions. Reconciliation of Trade GL Heads

HBL Bank Limited, Karachi - Pakistan • July 2021 - December 2021

• Streamlined the reconciliation process daily Trade General Ledger (GL) heads by designing and implementing a new reconciliation protocol that reduced monthly closing cycle times by 25%, enhancing financial reporting accuracy for key stakeholders and reducing resolution time by 30%.

Establishment of Trade Screening Activity

HBL Bank Limited, Karachi - Pakistan • July 2020 - June 2021

• Launch of Trade Screening operations, defining robust compliance protocols and monitoring mechanisms that screened over 500 transactions daily, effectively mitigating regulatory risks and enhancing due diligence processes, resulting in a 20% decrease in operational risk and a 30% increase in transactional efficiency through automated vetting systems. Centralization of Export Trade Unit

Bank Alfalah Limited, Karachi - Pakistan • September 2013 - May 2014

• Centralization of the Export Trade Unit, integrating operations from multiple Trade Hubs, leading to a 30% increase in process efficiency and a 20% cost reduction within the first year. EDUCATION

Masters of Commerce (Finance)

Karachi University • Karachi - Pakistan • 1995

Bachelors of Commerce

Karachi University • Karachi - Pakistan • 1992

CERTIFICATIONS

Diploma in Islamic Banking

Center of Islamic Economics • 2018

SKILLS

Industry Skills: Operations Management, Communication, Direct Management, Sales. Technical Skills: Windows, Office, Outlook, Word, Acrobat Pro. Soft Skills: Management, Planning, Forecasting, Resource Allocation, Budgeting, Scheduling, Coordination, Oversight, Compliance.

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