HugoBank

•	Establish and oversee the operational framework of Hugo Bank, ensuring all processes are efficient, compliant, and customer-centric.
•	Develop and implement operational strategies to enhance service delivery and maintain competitive advantage in Pakistan's digital banking sector.
•	Lead the integration of cutting-edge technology solutions to streamline operations and improve customer experience.
•	Ensure adherence to all regulatory and compliance requirements, staying ahead of changes in the banking landscape.
•	Address operational gaps promptly to avoid customer dissatisfaction, increased costs, and market entry delays.
•	Collaborate with other department heads to ensure a cohesive and strategic approach to market demands.
•	Drive operational agility to adapt to market changes and customer needs quickly.
•	Lead, mentor, and develop a high-performing operations team capable of handling complex banking processes.

Settlement Manager

Meezan Bank Limited

•	Engaged in all new ADC related projects from operational point of View. Such as: Direct Biller Integration, FinTech, Raast. 
•	Reconciliation & Settlement of all ADC related GL (i.e. Issuer / Acquirer Withdrawal, IBFT, UBPS, PayPak, Master & VISA CARD, Fintech and Direct Billers) 
•	Reconciliation of Debit Card Issuance and Annual Charges in-order to highlight and fix if there is any Income leakages found. 
•	Supervision of entries posted against the reconciliation on core banking T24 i.e. Net Off settlement, Reversal, Disputes etc. 
•	Perform UAT and successfully launched of CORONA System (reconciliation Software). 
•	Managing all the activities related to Outsourcing the Off-Site ATM. 
•	Monitoring of all Settlement and Transitory related accounts and ensure that same would also reconcile with SBP entries.

Assistant Manager ADC Operations

Al Baraka Bank (Pakistan) Limited

Assistant Manager Settlement

Soneri Bank Limited

•Perform UAT and Successfully launched of Core banking software i.e TEMENOS T24.
•Perform and monitor daily Settlement & Reconciliation of Debit Card POS, UBPS, IBFT, Cash Withdrawal & PAYPAK Transactions as per the documented processes & procedures.
•Maintaining and reconciliation of Onsite / OffSite ATM transactions and balancing of Excess / Shortage amount parked by branches.

Reconciliation & Settlement  Officer

MCB Bank Limited

Product Officer Branchless Banking

Card Production Officer

SRU Officer

16 Years experience in Digital Banking Operations with extensive knowledge in system analysis, testing, 
project documentation, Effective Risk Management, Regulatory Compliance, Statistical Techniques, 
Dispute resolution and Complaint management, Service & Quality, Customer relations improvement, 
Process development/ re-engineering,, Team building /Staff training & development.

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