Javeria Ramiz
Banker
Karachi, Sindh
Summary
Experienced and results-driven bank operations manager with a decade of expertise in effectively managing daily operations, optimizing processes, and leading high-performing teams in dynamic financial environments. Adept in risk management, regulatory compliance, customer service excellence, and financial analysis. Demonstrated success in enhancing operational efficiency, achieving performance targets, and fostering strong client relationships.
Overview
10
10
years of professional experience
6
6
years of post-secondary education
2
2
Certifications
2
2
Languages
Work History
Branch Operations Manager
Meezan Bank Limited
Karachi, SD
11.2019 - 12.2023
- Supervised cash entries, remittances, and clearing entries.
- Ensured compliance with bank internal policies, Circulars, SBP and other relevant local laws by staying updated on them.
- Monthly training sessions conducted to educate staff on Shariah principles.
- Implemented AML/CFT regulations and ensured policy compliance.
- Kept close track of branch's finances and maintained control over expenditures.
- Collaborated with external and internal auditors, effectively addressing their queries.
- Managed vendor payments and ensured compliance with budgetary constraints, securing necessary approvals from head office.
- Trained junior associates in proper procedures, team policies and strategies for success.
- Managed daily branch operations for optimal productivity and customer satisfaction.
- Supervised a team of employees, fostering a positive work environment and emphasizing professional growth.
- Trained employees on proper procedures and strategies to improve productivity.
- Monitored financial transactions to detect any suspicious activity or potential fraud.
- Implemented cost-saving measures to reduce overhead expenses without sacrificing quality or service levels.
- Maintained compliance with industry regulations, minimizing risk exposure for the company through diligent oversight of operations.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Complied with established internal controls and policies.
- Developed strategic plans for day-to-day financial operations.
Senior Branch Service Officer
Meezan Bank Ltd
Karachi, Sindh
04.2017 - 10.2019
- Managed the oversight of cash and transfer transactions, adhering to designated thresholds.
- Monitoring of expenses & payment to various vendors and getting approvals from head office.
- Actively participated in regional meetings to stay updated on current industry trends and best practices for effective branch management strategies.
- Helped customers effectively navigate bank technology such as Internet banking and mobile access to reduce common questions and unprofitable interactions.
- Managed branch vault and cash supply to keep appropriate level of currency on hand.
- Implemented risk management strategies to minimize potential losses from fraudulent activities or operational errors within the branch.
- Built strong relationships with clients by providing exceptional service and personalized financial advice.
- Improved branch team performance by conducting regular training sessions on product knowledge and Islamic banking.
Operation Officer
Meezan Bank Limited
Karachi, SD
08.2013 - 04.2017
- Posting of Inward and Outward Clearing
- Issuance of Pay order and their balancing
- Opening accounts and marketing
- Monthly balancing of various head of accounts
- Issuance of Term Deposits
- Posting of funds transfer transactions including online funds transfer
- Issuance of customer account statement and certificates
Education
M.com - Commerce
University of Karachi
Karachi, Sindh, Pakistan 01.2010 - 12.2012
B.com - Commerce
University of Karachi
Karachi, Sindh, Pakistan 08.2007 - 05.2009
Intermediate - Per-Medical
Govt. Degree College For Women
Karachi, Sindh, Pakistan 08.2005 - 05.2007
Skills
- Leadership
- Reporting
- Communication
- Client Relationship Management
- Incident Management
- Policies and procedures
- Financial awareness
- Risk Management
Certification
AML / CFT Regulation from Meezan Bank Ltd
Personal Information
- Date of Birth: 12/29/89
- Nationality: Pakistani
- Marital Status: Married
- Religion: Islam
Timeline
Branch Operations Manager
Meezan Bank Limited
11.2019 - 12.2023
Senior Branch Service Officer
Meezan Bank Ltd
04.2017 - 10.2019
Operation Officer
Meezan Bank Limited
08.2013 - 04.2017
M.com - Commerce
University of Karachi
01.2010 - 12.2012
B.com - Commerce
University of Karachi
08.2007 - 05.2009
Intermediate - Per-Medical
Govt. Degree College For Women
08.2005 - 05.2007
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