Imran Zulfiqar
Old Harlow
Summary
Senior Banking Professional with 20 years’ experience at Tier-1 institutions (Lloyds, HSBC), specializing in Third-Party Risk Management (TPRM), Regulatory Remediation, and Operational Compliance. Proven track record of overseeing complex outsourced arrangements (BOSI Legacy Portfolio), ensuring strict adherence to PRA/FCA Outsourcing guidelines and Data Protection regulations. Expert in translating high-level regulatory policy into operational procedure, managing Conduct Risk through robust complaints governance (FOS), and delivering audit-ready regulatory reporting.
Overview
20
20
years of professional experience
6
6
years of post-secondary education
Work history
Associate – Loan Servicing & Regulatory Remediation (BOSI Portfolio)
LLOYDS BANKING GROUP
LONDON
2013.08 - 2025.04
- Managed Third-Party Risk (TPRM) for the bank's outsourced Irish operations, ensuring external suppliers adhered to rigorous PRA/FCA Outsourcing standards and internal risk frameworks.
- Oversaw Regulatory Remediation projects, including the "Tracker Mortgage Examination," ensuring fair customer outcomes and full compliance with regulatory directives.
- Acted as a Gatekeeper for Conduct Risk, reviewing and approving Financial Ombudsman Service (FOS) complaint responses drafted by third-party suppliers to ensure alignment with the bank’s regulatory obligations.
- Monitored Data Protection compliance (GDPR), managing Data Subject Access Requests (DSARs) and coordinating the secure deletion of records across legacy IT infrastructure.
- Designed and implemented operational controls to mitigate risk during the divestment of high-value asset portfolios, ensuring seamless transition and regulatory notification.
- Produced Compliance MI reports for Senior Management, highlighting vendor performance, risk breaches, and remediation progress to support the Senior Managers & Certification Regime (SMCR) governance structure.
Payment and Reconciliation Analyst (Client Asset Management)
LLOYDS BANKING GROUP
LONDON
2013.08 - 2021.03
- Ensured regulatory adherence to Payment Services Regulations (PSR), designing and updating standard operating procedures (SOPs) to maintain compliance across SWIFT, SEPA, and CHAPS payment flows.
- Conducted daily transaction monitoring and reconciliation of Nostro/Vostro accounts to identify and escalate potential breaches in Client Money (CASS) rules.
- Collaborated with the Second Line of Defense (Risk/Compliance) to investigate transactional anomalies and implement corrective actions for audit findings.
- Managed Operational Resilience by maintaining robust liquidity oversight and ensuring business continuity during high-volume payment cycles.
Corporate Account Manager, Global Payments and Cash Management
HSBC BANK
LONDON
2007.05 - 2012.11
- Managed KYC/AML Risk for a portfolio of high-value corporate clients, conducting due diligence reviews and ensuring file completeness for regulatory audits.
- Identified and reported Conduct Risk issues, analyzing complaint trends to recommend process improvements and training needs for frontline staff.
- Ensured cross-border payment compliance, advising clients on formatting requirements to prevent sanctions screening failures and payment rejections.
HSBC Graduate Commercial Training Programme
HSBC BANK
LONDON
2005.01 - 2007.04
- Gained foundational knowledge of Retail Conduct Risk and Banking Code compliance through rotations in the branch network and commercial lending divisions.
Education
B.Sc (Hons) - Accounting and Finance
University of Birmingham
2001.09 - 2004.07
A-Levels - Mathematics, Chemistry, Physics
Barking Abbey School / Havering College
1997.01 - 2000.01
Skills
- Regulatory Compliance & Monitoring
- Third-Party Risk (TPRM) & Outsourcing
- Conduct Risk & Governance
- FCA/PRA Handbook Knowledge
- Supplier Oversight & SLA Monitoring
- Senior Managers Regime (SMCR) Support
- Data Protection (GDPR) Compliance
- Operational Resilience Frameworks
- Policy Implementation & Training
- Remediation Project Management
- Audit & Control Testing
- Root Cause Analysis & Reporting
Timeline
Associate – Loan Servicing & Regulatory Remediation (BOSI Portfolio)
LLOYDS BANKING GROUP
2013.08 - 2025.04
Payment and Reconciliation Analyst (Client Asset Management)
LLOYDS BANKING GROUP
2013.08 - 2021.03
Corporate Account Manager, Global Payments and Cash Management
HSBC BANK
2007.05 - 2012.11
HSBC Graduate Commercial Training Programme
HSBC BANK
2005.01 - 2007.04
B.Sc (Hons) - Accounting and Finance
University of Birmingham
2001.09 - 2004.07
A-Levels - Mathematics, Chemistry, Physics
Barking Abbey School / Havering College
1997.01 - 2000.01