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Work experience

Associate Customer Service Manager-Operation

Designation: Associate Customer Service Manager-operation, Department: Consumer Banking Division Duration: Since 10October 2004 to 30 December 2010 Authorization of all Cash/non-cash Transactions. NRB Transactions(Money gram, Pay Cash & Habib Express). Maintenance of Cash Balance Book and Vault Register Vault key holding Ensure 100% productivity of each staff Manage queue in the cash counter effectively Make sure that the branch's cash holding limit is not breached Make sure SLA is maintained for each and every service provided to the customer Ensure good rating in customer satisfaction survey Ensure SME and corporate customer support from branch To communicate with customers and potential customers for sales opportunities. To ensure high quality service to customers as per GAP Handle customer feedback and complaints To ensure that branch maintains all the records that are auditable for good audit rating To ensure compliance with existing AML policies of the bank & local directives to prevent Money Laundering Coach tellers and take refreshing sessions regarding operational procedures, product knowledge and sales skills.

Associate Manager

Bangladesh Designation: Associate Manager, Operational Risk, Department: Retail Risks, Retail Banking Division Duration: Since 2 January 2010 to 30 June 2013 Plan with Management to control & mitigate operational/fraud loss of branches and SME service centers(SMESC) by the development & review of check toolkit and taking the initiative of strategic approach in terms of conducting surprise visit. Assist management as well as Branch and SME Center in implementation of all risk related policies and procedures within the BBL. Conduct QA checks on various BAU activities(e.g. Develop, review, evaluate Branch Operational Manual, Implement different process, policy & toolkit, Monitoring exercise in the branch & SMESC) as and when assigned by Management. Assist Branch Manager/SME Manager in AML by monitoring of various transactions reports & act as custodian for Internal SAR register. In this regard advice the respective personnel to undertake reasonable investigation(customer contact, interview, document/KYC update, etc.) on the background of each report to decide on appropriate action on the account and/or produce report. In this connection, also guide to maintain records & adequate audit trail of such actions. Conduct investigation on staff's irregularity in official discipline and with coordination of HR & other department. Act as first level audit defend for Branch Banking & SME Service Center. Develop toolkit to continue business under any disaster. Combined number of departments to form a disaster management committee with the presence to conduct BCP(Business Continuity Plan), Fire Drill, Robbery Drill etc. Arrange meeting and training for Branch & SMESC manager to mitigate risk at their business region.

Associate Manager

Bangladesh Designation: Associate Manager, Operational Risk, Department: SME Risk Management, SME Banking Department Duration: Since 1 June 2013 to 30 November 2013 Assist & Guide to the Branches & 399 Unit Official for flagging Risk, review and then taking measures for mitigation & Prevention. Review Internal & External Audit Reports(Branch, Unit Office & HO), Assist to arrange Review Meetings & teleconference among all concerned Branch/Unit Officials to evaluate the status with logical approach and justification. Assist to prepare all sort of compliance report/response for SME with logical approach. Monitoring Monthly Risk, Governance, and Compliance Meeting Minutes held at the Branches & Leading Key Risk Indicator(LKRI) Reports. Review the Potential Loss Reports form SME Unit Offices & Service Centers and SME/Krishi Branches initiative to be taken to mitigate losses. Obtaining Risk Report from different Units &Branches of SME Banking Division, assess them and raise or report the same to Associate Risk Forum for taking appropriate measures to mitigate & prevent the risk. Monitor, review and assist on handling Fraud and Forgery Issues, customer complain or any incidents occurred at SME Unit Offices & Service Centers and SME/Krishi Branches and other departments within SME Banking Division, conduct preliminary investigation on those incidents and report them to SQ & RMD. Review & assist on performing DCFCL and Quarterly Operations Report for branches and unit offices of SME Banking Division so that they can submit appropriate report within stipulated time frame. Guidance to branches and SME unit office on day to day operational issues such as mandate, Dormant account activation, LBC, Key register maintenance, DCFCL maintenance etc. Implementing Internal & external policies & circulars for creating compliance culture in branch and unit office of SME division Communicate policies and regulatory requirements, and provide quality assurance on the design of the control measures and monitoring plans. Coordinate and consolidate OR and loss reporting to the Business Unit Head. Design and implement control measures and monitoring plans for compliance and operational risk management. Ensure

Assistant Manager-Compliance

Country Office-168 Gulshan Avenue, Dhaka-1212, Bangladesh Designation: Assistant Manager-Compliance Department: Internal Control and Compliance Duration: Since 03 December 2013 to 30 July 2014 Develops initiates, maintains, and revises policies and procedures for the general operation of the Compliance Program and its related activities to prevent illegal, unethical, or improper conduct. Manages day-to-day operation of the Program. Develops and periodically reviews and updates Standards of Conduct to ensure continuing currency and relevance in providing guidance to management and employees. Collaborates with other departments(e.g., Risk Management, Internal Audit, Employee Services, etc.) to direct compliance issues to appropriate existing channels for investigation and resolution. Acts as an independent review and evaluation body to ensure that compliance Issues/concerns within the organization are being appropriately evaluated, investigated and resolved. Monitors, and as necessary, coordinates compliance activities of other departments to remain abreast of the status of all compliance activities and to identify trends. Identifies potential areas of compliance vulnerability and risk; develops/implements corrective action plans for resolution of problematic issues, and provides general guidance on how to avoid or deal with similar situations in the future. Ensures proper reporting of violations or potential violations to duly authorized enforcement agencies as appropriate and/or required. Works with the Human Resources Department and others as appropriate to develop an effective compliance training program, including appropriate introductory training for new employees as well as ongoing training for all employees and managers. Monitors the performance of the Compliance Program and relates activities on a continuing basis, taking appropriate steps to improve its effectiveness.

Manager-Internal Audit

Corporate Head Office, Richmond Concord(7th floor)- Gulshan Avenue Gulshan 1,-, Dhaka-1212, Bangladesh Designation: Manager-Internal Audit & Monitoring Department: Internal Control and Compliance Duration: Still working since Preparing of annual audit plan(Comprehensive & Spot). Preparing comprehensive & Spot audit checklist. Schedule & assign audits to team members, ensuring efficient & effective use of resources Ensure quality control of the team's audits & activities on an ongoing basis by reviewing Report to the Audit Committee at the required intervals on Internal Audit assignments including planned reviews, investigations and any other ad-hoc activity as required Manage and oversee team performance through performance planning, coaching and performance appraisals. Developing and updating the Bank's risk-assessment and testing procedures. Executing compliance audits in the Privacy, Deposits and Lending(consumer and commercial) areas. Review and validate business processes. Test internal operational controls. Identify opportunities for improvement in internal controls and processes. Participate in other special projects and investigations as assigned. Identify risk areas and contribute to building remediation plans. Provide reports to senior management.



H.S F Shaheen School


Asian University of Bangladesh