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15 years of experience

Skills

Customer Relationship Management Account Management Transaction Processing Compliance & AML Cross‑selling Team Coordination Process Improvement Risk Management Customer Service Cash Handling KYC Procedures Problem Solving Communication Interpersonal Skills Detail Orientation

Experience

Relationship Manager

Habib Bank Limited (HBL), Pakistan

2014-01 - 2026-12

Managed and retained a portfolio of over 200 retail and corporate clients, delivering tailored banking solutions and enhancing loyalty. Resolved more than 10 complex customer issues daily, maintaining a satisfaction level above 95 %. Led account opening processes for 200+ clients annually, ensuring strict KYC and regulatory compliance. Executed 50+ daily remittance transactions with full AML adherence and drove cross‑selling initiatives that increased product penetration and revenue contribution. Coordinated with internal teams to streamline workflows and improve service turnaround times.

Customer Service Officer

Habib Bank Limited (HBL), Pakistan

2014-01 - 2026-12

Managed secure locker operations in line with bank security protocols and audit requirements, maintaining confidentiality of client assets. Delivered efficient customer service while ensuring compliance with risk control standards. Produced accurate documentation and supported daily branch activities.

Operations Officer

Habib Bank Limited (HBL), Pakistan

2014-01 - 2026-12

Supervised daily branch operations, ensuring smooth transaction processing and service delivery. Ensured compliance with internal policies, regulatory frameworks and operational risk standards. Supported clearing, settlements and account services with high accuracy, and identified process improvement opportunities to enhance performance.

Cash Officer

Habib Bank Limited (HBL), Pakistan

2014-01 - 2026-12

Processed high‑volume cash transactions in local and foreign currencies with precision. Managed cheque clearing operations in compliance with banking procedures, delivered frontline customer service and maintained accurate transaction records while adhering to strict security protocols.

Universal Teller

Bank of Punjab

-

Prepared vouchers, invoices and financial documentation with high accuracy, supporting daily teller operations.

Languages

English

fluent

Portuguese

fluent

French

fluent

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Last updated: 2 ġranet ilu