1

Mohammad Hanif Banque Saudi Fransi, Wealth Management Group

P.O Box 1290, Riyadh: 11431, Saudi Arabia +966503484756

hanifbsf@gmail.com Objective Seeking a position in a respective Financial Institution, whereby I could utilise my 39 years of working experience in order to achieve goals and objectives of the institute and contribute in its success / progress. Work Experience 1977 - 1978 National Bank of Pakistan, Karachi, Pakistan Main duties were clerical activities in dealing in Foreign Exchange L/C, Foreign Currencies Bills and Overseas Remittance. 1978 - 1982 Barge Company Overseas Gmbh, Dammam, Saudi Arabia This was a German Stevedoring Company, with 1200 employees of diverse nationalities. The Company was operating at Dammam Port under contract with the Saudi Ports Authorities. I worked around 1 year in Personnel Department, where my main duties were to maintain staff files, leave records, overseas recruitments, yearly appraisals, GOSI (Social Insurance) record etc. For the remaining 3 ½ years, I worked in the Accounting Department, where my main duties were to maintain company’s accounts, preparation of general vouchers, income statements, balance sheet, cash flow statements etc. The responsibilities were also included to prepare daily financial position, bank reconciliations, accounts receivable/payable, staff payroll, dealing with Saudi Ports Authority for submission of monthly invoices and receipt of contractual payment, dealing with banks etc. I was also in charge of posting / processing of financial data on NCR399 Computer and generation of financial reports. The approximate yearly turnover of the Company was around SR.50 Million. 1982 - Present Banque Saudi Fransi (BSF), Riyadh, Saudi Arabia Currently I am working with Wealth Management Group as an Operations Support Manager and Audit/Compliance Coordinator since December 2008. Prior to my above assignment, I worked around 11 years as Branches Operations Support Manager under Retail Banking Group, Regional Management - Central Region - Riyadh. Following are the brief details of my various assignments in the last 34 years with BSF: During 1982/1984, I worked as a Data Centre Staff, where my main duties were to capture Financial/Non-Financial Data of the Branches/Regional Management into IMB Computer Terminal in Off-line mode, then its verifications against transactions vouchers and at the end of the day data transmission to Main Computer System in Dammam via leased lines. Duties also included were to obtain/print various banking reports generated from Main Computer System. Between 1984 till 1997, I worked at various BSF Branches, last of which was Suleimania Branch, Riyadh, where I worked for around 11 years. In Suleimania Branch, I was initially assigned as an Operations Staff, and was gradually promoted as Back Office Supervisor and later on as an Operations Manager. I was also granted Signature Authority Class “A”.

2

Suleimania Branch was a middle size Branch and client base consisted of Retail, High Net Worth as well as Corporate clients. As an Operations Manager my duties were to manage/ensure smooth branch operation, customer’s satisfaction, compliance of policies/procedure, cross sell of bank’s products/services, as well as supervision, training and evaluation of branch staff, coordination/correspondence with Regional Management, Head Office, Auditors, investigation on customer’s complains and its resolution, verification of daily transactions against various main frame reports, control of branch internal accounts, cash and valuable management, replenishment of ATM etc. During my assignment in Suleimania Branch I also had the opportunity to take part in major system conversation by BSF from Off-line to On-Line Mode (ABT System) in the year 1987/1988 and subsequent change of new Main Frame System (Wings) in year 1997. I also contributed in UAT as well as user training/deployment of WINGS in several BSF Branches. From 1998 till 2008, I was given a more responsible position as Branches Operations Support Manager for Central Region Branches in Retail Banking Division where I was directly reporting to the Regional Manager for Retail Banking. Until my transfer to Wealth Management Group in December, 2008, there were 27 Branches, 5 Ladies Sections, 3 Accounts Opening Centres and 120 Automatic Tellers Machines/Cash Acceptance Machines in the Central Region (27 branches in Central Region includes 4 branches at different cities but attached to the Central Region). Brief details of my responsibilities at Retail Banking were:

• Day to day operational and business support to 27 Branches, Ladies Sections and Accounts Opening Centres.

• Participation in branch systems enhancement and provide business requirements. • Participation in preparation of operational policies and procedure and its implementation. • Review of products/services policies and procedures and its implementation. • Coordination with internal auditors (during branch audit), review of audit reports, resolution of audit

anomalies as well as reply on audit finding. • Coordination with compliance division on compliance related matters. • Handling of customer complaints and its resolution (on case by case basis). • Investigation on fraud/forgery (on case by case basis). • Evaluation and coordination with Head Office for training of operations staff. • Investigation of operational mistakes in processing and its resolution. • Handling of personalised customer cheque books and its related activities. • Arrangement for supply of blank drafts (SAR/FC) travellers’ cheques rubber stamps to branches. • Management of Secured Transportations Guard’s ID Cards and settlement of their monthly invoices

for secured cash transportation services to branches. • Coordinating with all related departments for Opening of New Branches/Account Opening Centres

including initial testing/verification of all branch related systems, access rights for staff etc. (i.e. soft opening certification).

• Staff evaluation for upgrading/assigning more responsible position in branches. • Review of monthly Periodic Control Reports received from Branches. • Handling of refund of fees/service charges debited to clients. • Coordination with HO on obtaining management approval for opening relationship for special

category of clients like PEP/HNWI. • Periodic Branches visits and Spot checking on case by case basis. • Spot checking of Off-Site ATM activities. • Regularization/correction of client’s data on case by case basis • Handling/investigation of cash excess/shortage in branches • Daily reconciliation of STC main account against payment of STC bills through various delivery

channels (Branches, ATM/CAM, FransiPlus, and FransiPhone). • Co-ordination with HO on IT related matters, Premises related matters, Security related matters etc.

3

• Review/approval of user passwords for various systems for branches staff. • Handling of branches/customers/HO inquiries on operational matters. • Review of monthly report for Complementary Visa/Master Card and its related activities. • Handling of Blocking/De-Blocking of clients account on case by case basis (including SAMA

related blocking/de-blocking). • Retrieval of copy of legal files and copy of financial transactions. • Coordination with IT and Clients on automation of clients’ payroll. • Conducting regular operations meeting with Operations Mangers and participation in Branch

Managers monthly meetings. • From time to time providing operational training to branch staff in order to enhance their awareness

and improve quality of operations/services. • Issuance of Authorized Representatives ID Cards. • Supervising a team of Operations Support Officers and Administration Staff.

From December 2008 I was assigned as an Operations Support Manager and Compliance/Audit Coordinator in Wealth Management Group reporting to Wealth Management Group Manager. Wealth Management Group is providing more personalised Banking / Teller services & specialised investment solutions to Ultra High Net worth Clients via its 3 Regional Offices located in Riyadh, Jeddah and Khobar. In Wealth Management I have multiple types of activities which consist of Operations/Business Support, Compliance and Operational Risk matter as well as Internal and External Audit related matters. My main responsibilities include:

• Business Support and Policy Input - Contribute to the development of policy and procedure and review business process for enhancement of quality of operations and standards of services.

• Service Delivery and Quality Delivery - Plan and deliver the department’s services to agreed standards and quality, develop, gain acceptance for and direct the implementation of QA process to ensure process/procedural compliance.

• Process Improvement, Better Operational Control and Automation - Foster and contribute personally to the achievement of a flow of improvement in process and automation in order to enhance productivity, operation efficiencies, cost-effectiveness and better operational control. Also coordinate with IT on submission of business requirements for new operational system or existing system enhancement for Wealth Management Group including its UAT and to coordinate its implementation.

• Compliance Coordinator - Act as a compliance coordinator on operational policy and procedure and inform Compliance Division on quality of operations on a periodic basis. Also oversee with the group that all corrective actions of compliance deficiencies are taken care of. In addition, keep Compliance Division informed when there are plans to launch new products and services or to make significant changes in the existing products or offering on services. Furthermore, to report any allegations, wrong doing, major risk of conflict / interest or customer complaints and follow-up on resolution of complaints.

• Operational Risk Coordinator - Periodically Coordinate with Head Office - Permanent Operational Risk Control Department by identifying major or minor risks and its related controls on various business related activities being performed or services being offered to WM clients. Also coordinate with external consultants on risk mapping being prepared for Wealth Management Group on a yearly basis.

• Audit Coordinator - Coordinate with Internal and External Auditors during their course of regular or ad-hoc audit. Also participate in the audit closing meeting and implement corrective measure on audit anomalies.

• My duties also include day to day operation/business support to our Wealth Management Operations Staff and Relationship Managers/Officers and my periodic visit to all 3 Regional Offices.

4

Education & Technical / Business Knowledge Bachelor of Commerce, University of Karachi, Pakistan (1978). I have full knowledge of various Business Banking Systems, Internal Control, Existing Products/Services, Internal/External Procedures (Including dedicated P&P for Wealth Management Group), SAMA Rules for account opening and operational guidelines, KYC/CTF rules and regulation as well as all Important Reports, Legal Documentation etc. Presently following systems are being used in WM Group:

• BDS Account Servicing - Core Front Office System (Relationship Opening and Clients’ Database Management).

• BDS Financial (Processing of all Financial Transactions and Valuable Inventory Management). • TMR (Main database) and CRM Customer Relationship Management System. • Product Related Systems like Cards/ Pins System, Cheque Books Management System, Business

Object, Documents and Archiving System etc. • MS Office, Lotus Notes etc.

Training Courses I have attended several training courses on various banking subjects like:

• Business Process Re-Engineering. • Detection of fraud and forgery. • Anti-Money Laundering and Counterfeit Terrorist Financing (AML / CTF). • FATCA/CRS. • Operational Risk. • Trainer’s training for various banking systems, products and services.

Likewise, I have given several trainings and presentations to WMG/Branches’ staff on banking and its related systems. Special Assignments

• Business Process Improvement (BPI)

Improving the current setup in order to streamline and automate processes at Branches and

implementation of changes in branches

• Development of Modern/Automated Branch Delivery System (BDS) (Core Banking System Change)

From submission of business requirement till development of the system, its UAT, user training and deployment of BDS across the Kingdom

• Overseas Assignment in Syria

Setup the operations of a newly opened branch, Banque Bemo Saudi Fransi in Damascus, Syria and follow-up visits on process improvement.

• Review and Enhancement of all activities in Branches and Regional Offices

Review, update and enhance the operations, processes, documentations etc. across all branches in the Kingdom and submission of mission report on automation and process improvement.

Nationality Pakistani