Designation: Accountant
Cell: 00966539257528
E-mail: [email protected]
A highly dedicated and detail-oriented banking professional with extensive experience in
accounting, cash handling, and financial operations within the banking sector. Holding a Master of
Commerce (M.Com) degree, I possess strong knowledge of financial reporting, reconciliation, and
customer transaction management. Over the years, I have developed expertise in maintaining
accuracy in financial records, ensuring compliance with banking regulations, and delivering efficient
customer service. My professional journey reflects a commitment to integrity, precision, and
continuous improvement in financial operations.
Seeking a challenging position as an Accountant, Cashier, or Banking Operations Officer in
a reputable organization, preferably in the Gulf region. Aiming to utilize my academic background
in commerce and hands-on banking experience to contribute effectively to financial management,
cash operations, and organizational growth while advancing my professional career.
1. PROFESSIONAL EXPERIENCE:
a. Organization: Meezan Bank Limited
i. Designation: Branch Services Officer(Accountant)
ii. Tenor: 24-Feb 2022 - Present
iii. Responsibilities
1. Maintain and update accurate financial records, ledgers, and journals
2. Prepare daily, weekly, and monthly financial reports
3. Reconcile bank accounts, inter-branch transactions, and suspense
accounts
4. Monitor cash flow, deposits, withdrawals, and general banking
transactions
5. Ensure compliance with banking regulations, policies, and SOPs
6. Assist in preparation of financial statements (balance sheet, profit & loss)
7. Handle audit requirements and coordinate with internal/external auditors
8. Verify and process vouchers, invoices, and payment entries
9. Monitor and control expenses and budget allocations
10. Detect and report discrepancies, fraud, or irregular financial activities
11. Manage tax-related matters and ensure timely filing (if applicable)
12. Maintain proper documentation and record-keeping for all transactions
13. Support branch operations and assist in financial decision-making
14. Cross-check and validate reports prepared by junior staff
15. Ensure smooth and efficient branch operations in accordance with
Meezan Bank policies, procedures, and State Bank of Pakistan (SBP)
regulations.
16. Manage account opening, account maintenance, and customer
documentation while ensuring compliance with KYC (Know Your
Customer) and AML (Anti-Money Laundering) requirements.
17. Verify and authorize operational transactions within assigned authority
limits.
18. Coordinate with branch management and other departments to resolve
operational issues and improve service delivery.
19. Maintain proper records and ensure accurate processing of customer
requests and banking transactions.
20. Handle customer queries and complaints related to operational services in
a professional and timely manner.
21. Ensure compliance with audit observations and regulatory requirements.
22. Prepare operational reports, reconcile accounts, and monitor branch
operational performance.
23. Support implementation of new banking products, systems, and
operational procedures.
24. Train and guide branch staff on operational policies, compliance
standards, and service quality requirements.
25. Ensure timely completion of end-of-day, month-end, and year-end
operational activities.
b. Organization: Bank Alfalah Pakistan Ltd, Mirpur(A.K.)
i. Designation: Customer Relationship Officer
ii. Tenor: 15-Jul 2019 – 23-FEB-2022
iii. Responsibilities
1. Managed daily cash transactions including deposits, withdrawals, and
remittances with high accuracy.
2. Maintained cash balance and ensured proper reconciliation at the end of
each working day.
3. Handled vault cash and ensured compliance with assigned cash holding
limits.
4. Processed customer transactions efficiently while maintaining excellent
service standards.
5. Verified and recorded financial transactions in accordance with banking
policies and procedures.
6. Managed branch expense accounts and monitored expenditures within
assigned limits.
7. Prepared and maintained financial records, vouchers, and transaction
reports.
8. Ensured strict adherence to internal controls, audit requirements, and
regulatory guidelines.
9. Assisted in branch operations including account handling, clearing, and
customer queries.
10. Identified discrepancies in cash or records and resolved them promptly.
11. Maintained confidentiality and security of financial information and
customer data.
c. Organization: Bank Islami Pakistan Ltd, Mirpur(A.K.)
i. Designation: Customer Service Officer
ii. Tenor: 30-Sep 2016 – 12-Jul-2019
iii. Responsibilities
1. Develop and maintain strong relationships with existing and potential
clients, understanding their financial needs to provide tailored banking
solutions.
2. Identify opportunities to cross-sell and upsell banking products and
services, such as loans, credit cards, and investment products, to meet and
exceed sales targets.
3. Address client inquiries and resolve complaints promptly, ensuring a
positive banking experience and high customer satisfaction.
4. Assess and mitigate risks associated with client relationships, ensuring
compliance with regulatory requirements and bank policies.
5. Managed branch expenses and monitored payments within approved
limits.
6. Prepared vouchers, receipts, and financial reports for internal records.
7. Ensured accuracy and completeness of all financial documentation.
8. Assisted in monthly closing and reconciliation of accounts.
9. Followed internal controls, audit requi
