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More than 10 years of successful working experience in Consumer Banking Operations covering various domains including Operational Risk/Internal Control, Credit Card Operation, Credit Initiation, Personal Loan Operations, etc.

Have extensive experience in Project Life Cycle Management, Program Management for turnkey solutions development, Managing Offshore program, Business Process Modeling and Re-engineering.

Currently associated with Standard Chartered Bank as Assistant Manager Operational Risk. 

Diverse banking background derived from rapid learning and effective application of cutting-edge technologies.

Creative problem-solver that accurately assesses situational challenges and successfully transform ideas into appropriate workable solutions.


To become a productive participant of a professional team in a well-reputed organization that affords atmosphere of personal grooming and development and to build there in a career leading to higher management position.

Work experience

Dec 2013Present

Manager Operational Risk

Standard Chartered Bank (Pakistan) Limited

o Assist the Country Business / Function Ops Head/Regional Risk head in coordinating, driving and directing effective compliance with the prescribed operational risk management framework.

o To facilitate and ensure alignment to SCB policies and procedures within the day to day processing environment of the HR functions.

- Implement effective controls to minimize operational losses. - Ensure management of risk and timely resolution of issues.

o Key Responsibilities Validation of Controls (CST/KCI)

- Validate sampling techniques, results and exceptions arising thereof.

- Review trend analysis of exceptions and identify systemic failures. - Identify material exceptions and escalate. - Agree on actions arising from the treatment plan.

- Review and approve the in-country CSTs developed before roll-out.

o Incident Management (Phoenix)

- Review and endorse treatment plans.

-Validate and approve Ops Losses / Near Misses reporting.

- Oversight of validity and integrity of data.

o Process Risk Analysis (PRA)

- Validating the workflows of processes under i-Gear initiative.

- To facilitate and ensure alignment to SCB policies and procedures within the day to day processing environment of the function.

- Review outcomes of PRA, including comparing against the country addendum for appropriateness.

- Initiate PRAs where needed to support specific needs to check if the process and control environment is effective.

- Support Business / Function Operations Head in PRA review of operational capability as part of PPG / CA review/roll-out.

- Ensure that the process changes accepted and agreed through service acceptance process, is maintained by the respective dept in DOIs and other relevant documents

o Risk Committee Meetings

- BORC - Challenge Risk Maps of Business / Function units and prepare the consolidated risk map for HR FORF.

- Attend / Represent at HR FORF.

May 2011Dec 2013

Assistant Manager Reconciliation - Credit Cards

Standard Chartered Bank (Pakistan) Limited

o Perform General Accounting Functions, including operation of the GL system and month-end close work.

o Responsible for the preparation of accurate Financial Reports and supporting schedules, as required.

o Responsible for Account Reconciliations that include multi currency inter-bank accounts.

o Conduct end to end Payment Reconciliation made at all payment channels i.e. Cash, Cheque, Internet, IVR, Auto Debit, ATM and CDM. 

o Highlight to the management the Potential Issues affecting expenses, balances or cash flow.

o Analyze Revenues and Expenses to ensure they are recorded appropriately on a monthly and daily basis.

o Assist the Finance Unit in analyzing Financial Statements on a monthly basis and report on variances.

o Assist the Finance Unit in Financial and Tax Audits.

o Assist the Finance Unit in preparing Corporate Reporting requirements.

o Assist the Finance Unit in Documentation and Monitoring of Internal Controls.

Dec 2009May 2011

Supervisor Transaction Processing - Credit Cards

Silkbank Limited

o Preparing UAT scripts for new VISA Credit Card Business.o Performing End-to-End UAT for VISA Credit Card.

o Ensuring proper mapping of all transactions with respective GL Accounts.

o Ensuring all Settlement & Reconciliation Reports are in proper formats.

o Ensuring system perform all expected result as per SBP rules and regulations.

o Ensuring PCTs are proper aligning in system.

o Preparing Process Manuals as per Credit & Policy guidelines.

o Analyze historical financial statements.

o Review annual and semi-annual reviews prepared by other team members.

o Liaise with other departments within the bank (Front office, Back office, FRMU etc. as well as external contacts (Borrowers, other banks, advisers i.e. legal, technical and insurance.)

Nov 2008Dec 2009

Supervisor Settlement & Reconciliation - Credit Cards

United Bank Limited

o Supervision of daily Balance Sheet of Credit Card Business.

o Supervision of Parking of funds into respective Sundry Accounts which are received from other Issuers for daily MasterCard Interchange Billing.

o Supervision of Daily reconciliation of VISA NNSS Acquiring, A/R ONUS Card Payment VISA.

o Supervision of VISA International Settlement on daily basis.

o Supervision of NNSS Settlement with SCB and Rejection account.

o Supervision of reconciliation of MasterCard's settlement account.

o Close liaison with IT for timely processing of VISA and MasterCard's Rejections.

o Daily monitoring of outgoing & incoming VISA - NNSS/VSS data.

o To Ensure processing of Withholding Tax to SBP on weekly basis.

o Coordinate with branches to settle issues relating to credit cards.

o Coordination with H.O Reconciliation Department to settle outstanding entries of Credit Card Branch.

o Monthly proofing of Accounts for submission of UBL Audit Unit.

Jan 2007Nov 2008

Supervisor Transaction Processing - Credit Cards

United Bank Limited

o Manage day-to-day operations and approve transactions of the assigned team, within the delegated authorities, with the aim to maximize the productivity while ensuring efficient and high quality service to the trade customers.

o To prepare detailed quality procedures and process manuals covering all the products & services, in the assigned area, in order to ensure that all the transactions comply with the laid down policies & procedures and that the bank is not exposed to any potential risk.

o Critically evaluate all high value transactions, all other irregular, structured, special transactions within the assigned portfolio prior to processing to avoid any losses either to the bank or to the customer.

o Ensure that processes for compliance to anti-money laundering requirements are in place and met religiously by the teams to avoid processing of any unusual /suspicious transactions.

o Ensure that all customer transactions are processed within approved limits and that the related transaction charges are recovered as per bank's service & price guide.

o To ensure that the transaction processing risk is controlled in the clearing department.

o To have a vision for automation in the department so that the manual work is reduced in the department.

Mar 2006Jan 2007

Assistant Credit Analyst - Credit Cards

Askari Bank Limited

Performing credit analysis, evaluating risk factors and industry trends. Review credit applications from all credit areas. Prepare accurate analysis and credit opinion with recommendations for approval or decline.

o Researching, examining, and managing credit risks on a portfolio bases.

o Request and Analyze customer financial statements.

o Communicate with both internal and external customers on resolution of any credit issues.

o Monitor assigned customer accounts to improve collection results and minimize bad debt write-offs.

o Research and resolve all issues regarding customer accounts.

Jan 2004Feb 2006

Manager Immigration Support & Services

Superior Consulting (Pvt) Ltd

o Directs and oversees the development and implementation of the case -making support using appropriate scheduling tools and working with the senior consultants for making an application successful.

o Directs the development and ongoing implementation of progress reporting and sponsor relations functions.

o Maintain clear and consistent communication between the client and Superior Consulting.

o Develop original research, surveys and market studies for existing and new business proposals.


Adil Ismail

Mr. Adil Ismail has more than 15 years of experience in the field of Immigration Support Services. He is specialized in UK, Canada, Hong Kong, Australian and New Zealand skilled and business immigration for Cyprus, Hungry, Malaysia, UK and Canada.

Mr. Adil Ismail is the best-recognized face in Pakistan, among various Immigration Consultants.

Adil Ismail, Cell #: +971-56-6744938, Email: [email protected] 

Waseem Mian

Mr. Waseem Mian is a seasoned banker, having more than 20 years of working experience with different banks and leasing company.

Waseem Mian, Cell #: +92-321-2014065, Email: [email protected] 




• Excellent interpersonal skills

• Ability to supervise and motivate the team members

• Ability to handle and manage stressful situations

• Business presentation skills including their development, both for management and prospective customers

• Ability to manage numerous projects simultaneously

• Ability to think creatively

• Ability to write strategic materials for client/customer

• Ability to budget programs and understand the financial aspects of the client relationship

• Project risks and commercial rationale

• Legal documentation

• Credit analysis skills

• Dealing with customers, banks, and advisers

• Excellent communication skills

• Ability to motivate and create professional environment.

• 'Team Player' with a strong sense of team spirit.

• Intuitive sense for both Operational and Credit risk.


May 2011Present


Standard Chartered Bank (Pakistan) Limited
Oct 2010Oct 2010

Oracle Financial Functional User Training

Silkbank Limited & IBM
Apr 2010Apr 2010

VISANET Overview/VISANET Clearing & Settlement – Webinar

Silkbank Limited & VISA
Sep 2007Sep 2007

Interpersonal Dynamic Skills

United Bank Limited



Father's Name: Muhammad Ishaque Memon (Late)

Date of Birth: 10 November 1979

Notional Identity Card No.: 42301-9096728-1

Passport No.: AA6707283

Nationality: Pakistani

Religion: Islam (Muslim)

Marital Status: Married (with 2 kids)

Pakistan Mobile No.: +92-321-9298039

Alternate Pakistan Mobile No.: +92-345-6060599


  • Listening Music
  • Watching Movies
  • Playing Snooker
  • Watching Cricket
  • Surfing Internet