Risk, Compliance & Control Leader with 10y+ Experience
Resume:
Ubaid Sabir
Carrollton, TX *****
************@*****.***
Accomplished professional with nearly a decade of experience in Risk, Compliance, and Control functions at Habib Bank Ltd
(HBL), the largest bank in Pakistan.
Secured a position at HBL's Head Office in 2011 and served until March 31, 2024, progressing through various roles. In my most recent role, I was responsible for reviewing and testing controls across the bank to ensure their effectiveness, making necessary amendments or replacements as per regulatory and internal management guidelines. Work Experience
Finance Manager
The Auto Haven-Irving, TX May 2024 to Dec 2025
Inventory Management
Inventory Costing
Bank Auto Financing
Cash Sales
Administrative Office Work
Customers Calling/Answering CRM User
Manager Quality Assurance (Operational Risk Management-ORM) HBL-HABIB BANK LIMITED-Karachi January 2023 to March 2024
• Perform IRCR Reviews(Internal Risk Compliance Repository)over 1700+ branches network country wide
• Dashboard Presentations to Senior Management.
• Provide Zoom/Online Training sessions to branch staff where required.
• Monitored staff organization and suggested improvements to daily functionality.
• Investigated customer complaints and performed corrective actions to resolve quality issues.
• Performed root cause analysis to identify and resolve quality issues and defects.
• Applied coaching techniques and tools to support managers and team members in order to enhance their performances.
• Collaborated with audit clients and action owners to apply root cause analysis guidance and establish effective corrective action plans.
Manager Risk, Compliance & Control Unit/internal Control Unit) HBL-HABIB BANK LIMITED-Karachi January 2016 to December 2022
• Reviewed end to end branch Operational Internal Controls/Processes including AML/CFT related compliances instructed by Regulator or federal bank
• Reporting Weaknesses & Control Lapses to Senior Management.
• Performed Desktop Reviews/System's Review (DTR-On Banking Core System-Mysis).
• Performed MTP-ICFR Review (Management Testing Program) at subsidiary/branch Level required by regulator/federal bank.
• Performed Remedial Exercise/Review in order to close SBP (State Bank of Pakistan (Regulator) and External Audit issues at branches level.
• Maintained professional, organized, and safe environment for employees and patrons. Asst. Manager
(HBL-EXPRESS-BRANCHLESS BANKING) HBL-HABIB BANK LIMITED-Karachi June 2014 to May 2016
• Fraud Investigations in regards to Branchless Banking (Other than Traditional/Conventional Banking).
• Field Visits & Reviews of Branchless Banking at Authorized Dealers outlets.
• Ensuring abidance on Controls & Compliances on Authorized Dealers end. Payroll Analyst
THE RESOURCE GROUP (TRG)-Karachi Jan 2014 to Oct 2014 Responsible for Payroll fortnightly of USA based employees in various states.
• Responsible for Employee induction and removal from organization for Pittsburgh & Indiana States in USA.
• Employee's data management.
• Provided customer service to employees regarding payroll inquiries and issues.
• Maintained strict confidentiality of all payroll information and records.
• Handle new induction and termination documents for payroll purpose.
• Resolved payroll discrepancies quickly and successfully.
• Ensuring compliance with all applicable federal, state and local payroll laws and regulations.
• Responsible of time records/sheets for 200+employees to verify accuracy of information. Assistant Manager’s Account
FAMOUS TYPEWRITER COMPANY (FTC)-Karachi January 2011 to December 2013
• Customer's Receivable & Payable Analysis.
• Employees Payroll Management.
• Invoicing & Billing (Sage & Local Book Keeping Software).
• Initiated comprehensive account assessments to check viability, stability, and profitability of business operations.
• Applied proper codes to invoices, files, and receipts to kept records organized and archived.
• Overhauled process for year-end inventory audits to improve accuracy. Education
Association of Chartered Certified Accountants (ACCA) in Accountancy LONDON COLLEGE OF ACCOUNTANCY-LCA - London (Part Qualified, 8 papers Passed out of 14) - East London May 2005 to December 2012
Post Graduate Certificate in Business Administration ANGLIA RUSKIN - London
January 2008 to December 2009
Bachelor of Commerce in Commerce
UNIVERSITY OF KARACHI - Karachi
June 2000 to December 2002
Higher Secondary Certificate in COMMERCE & ECONOMICS GOVT. COLLEGE OF COMMERCE & ECONOMICS - Karachi
January 1998 to December 1999
Secondary School Certificate in General Education
GOVT. DEHLI BOYS SECONDARY - Karachi
January 1988 to December 1997
Skills
• SAGE (Accounting Software) Microsoft Office package: Microsoft Word, Excel, PowerPoint, Access Google drivers and docs Video Conferencing (Zoom, Teams, Skype, WebEx) (10+ years)
• Advanced Ability to work in a team and autonomously Social Media including Facebook, Whatsapp
• Root Cause Analysis
• General Ledger Reconciliation
• Data entry
• Time management
• Office management
• Accounts Receivable
• Risk management
• Analysis skills
• Microsoft Office
• Banking
• Regulatory reporting
• Accounting
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