Summary
Overview
Work History
Education
Skills
Timeline
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Muhammad Zaigham

Results Awaiting Student
Bradford

Summary

Audit & Compliance Specialist Profile Seasoned Audit and Compliance Officer with an extensive career track record of driving organisational growth and efficiency through tactical regulatory and risk management. Analytical and service-driven professional with demonstrated success in strategically designing, implementing and managing regulatory and risk policies / processes, and control frameworks in the financial industry. Proven track record of providing assurance via audits / inspections to strengthen operational workflows while continually contributing to improvement efforts. Possess superior collaboration talents, partnering knowledgeably with teams, peers, customers, and management, in addition to liaising with stakeholders across all levels. Adept at conveying complex protocols to diverse skill levels and delivering training to multifunctional teams.

Overview

10
10
years of professional experience
12
12
years of post-secondary education
2
2
Languages

Work History

Area Co-ordinator

Meezan Bank Limited
Gujrat
09.2021 - 01.2022
  • Monitored and controlled adherence of multiple branches within territory to the bank’s internal policies and regulations
  • Examined operational processes to identify and mitigate risks
  • Analysed financial/non-financial data to develop resource- effective strategies
  • Formulated management reports to strengthen decision-making processes
  • Facilitated the highest audit ratings for all branches within area by strategizing and improving organisational Internal
  • Controls
  • Balanced wide array of duties while serving as the Liaison officer, acting as the primary point of contact between various branches and the head office
  • Strengthened Human Resource operations including recruiting, hiring, training, and addressing staff-related issues, while additionally contributing to team building and employee engagement activities.
  • Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
  • Resolved problems, improved operations and provided exceptional service.

Zonal Inspection & Compliance Specialist

Bank Al Habib Limited
Gujranwala
02.2018 - 09.2021
  • Conducted in-depth inspections of various bank departments including branch banking operations, sales, and customer services to ensure institution of standard operating procedures
  • Oversaw maintenance of customer data in compliance with Customer Due Diligence (CDD), Know Your Customer (KYC), Anti-Money Laundering (AML) and Combating the
  • Financing of Terrorism (CFT) laws and regulations
  • Assessing and revising company policies to eliminate legal, reputational, and financial risk
  • Identified and redressed control weaknesses and control gaps
  • Delivered technical support for the drafting of management information reports, while proactively supporting process improvement efforts
  • Co-ordinated with department heads to develop approaches for boosting customer satisfaction and trust
  • Administered and took ownership of 20 branches within assigned zone, ensuring that all stakeholders are well protected
  • Transformed branches from underperforming to best rated in the region by rectifying security threats, IT-related issues, core banking system issues, internal control breaches, and financial income leakages to name a few
  • Designed and implemented proactive measures to discover and tackle potential non-compliances with policies, resulting in significant cost and time savings
  • Upskilled employees of all branches on delivering top-quality customer service.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Improved operations through consistent hard work and dedication.

Senior Audit Officer

MCB Bank Limited
Gujranwala
07.2015 - 02.2018
  • Contributed to a high-performing team to audit various areas with wide-ranging risk levels
  • Streamlined reporting of observations to management by initiating and completing risk-based operational audits of branches and management
  • Page 2 | 2 offices
  • Crafted a Management Action plan for the assigned area
  • Authored crucial final audit reports and consolidated supporting documents to build Audit File
  • Performed regular inspections and analyses to identify and provide recommendations for all issues
  • Cultivated strong expertise as well as hands-on experience in audit procedures, with the successful execution of 100+ internal audits and special investigations
  • Pioneered innovative techniques to redress problems with processes, technology, or team members, effectively enhancing organisational efficiency.
  • Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
  • Identified issues, analyzed information and provided solutions to problems.
  • Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.

Personal Banking Officer

Meezan Bank Limited
Gujrat
12.2011 - 07.2015
  • Supervised bank account opening process to ensure adherence to KYC, AML/CFT laws and regulations
  • Headed responsibility of submitting Account Opening forms to the Centralised Account-Opening department
  • Partnered with branch manager to accomplish business targets such as deposits, ADC services, and auto/house financing
  • Empowered operational activities to be in line with bank policies and objectives
  • Prepared numerous written communications, documents, and reports
  • Collaborated with the operational manager to verify and establish the proper integration of all bank policies and procedures, receiving highest audit ratings in the region
  • Recognised for accommodating client requirements, and going above and beyond established job duties to maximise customer satisfaction, resulting in increased customer engagement and retention, as well as major business growth.
  • Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
  • Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
  • Processed customer requests for statements, ordering additional checks and updating customer personal information in database.
  • Answered customer questions and explained available services such as deposit accounts, bonds and securities.
  • Interviewed customers to obtain information needed for opening accounts or renting safe-deposit boxes.
  • Informed customers of procedures for applying for services such as ATM cards, direct deposit of checks and certificates of deposit.

Education

Master of Science - Management

University of Bradford
01.2022 - 03.2023

Master of Science - Accounting & Finance

Islamia University of Bahawalpur
Pakistan
08.2009 - 08.2011

Bachelor Of Commerce - Accounting And Finance

University of the Punjab
Pakistan
08.2006 - 08.2008

Part Qualified- Association of Chartered Certified Accountant (ACCA) - Knowledge Module

CFE, Lahore
Pakistan
08.2008 - 08.2009

Associate Chartered Banker - Banking And Financial Support Services

Self Study
08.2015 - 08.2021

Skills

Internal Audit & Controlundefined

Timeline

Master of Science - Management

University of Bradford
01.2022 - 03.2023

Area Co-ordinator

Meezan Bank Limited
09.2021 - 01.2022

Zonal Inspection & Compliance Specialist

Bank Al Habib Limited
02.2018 - 09.2021

Associate Chartered Banker - Banking And Financial Support Services

Self Study
08.2015 - 08.2021

Senior Audit Officer

MCB Bank Limited
07.2015 - 02.2018

Personal Banking Officer

Meezan Bank Limited
12.2011 - 07.2015

Master of Science - Accounting & Finance

Islamia University of Bahawalpur
08.2009 - 08.2011

Part Qualified- Association of Chartered Certified Accountant (ACCA) - Knowledge Module

CFE, Lahore
08.2008 - 08.2009

Bachelor Of Commerce - Accounting And Finance

University of the Punjab
08.2006 - 08.2008

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Muhammad ZaighamResults Awaiting Student