1. Abdul Quddus
537/2-west Manikdi, Matikata,
Dhaka Cantonment, Dhaka-1206
Mobile No: 01970356729 (office)
Phone: 8712921 (Res),
E-mail: jewelakand@gmail.com
CAREER OBJECTIVE
To be a part of a renowned institution that fosters professional development giving an opportunity to
utilize my competencies and skills earned while being in multilayer managerial positions during my
banking career. I would be very pleased to join a fantastic financial Institution to explore my career in
Business development especially in SME, Risk Management, Branch Risk/Control, Internal Control
or any other suitable area.
Areas of expertise: Process Development (Retail Operation, Branch operation), Risk Management
(for Retail Branches, SME Service Centres/Krishi Branches, SME Unit Offices), Internal Control &
Compliance, Special investigation, Fraud & Forgery Control, Direct Bangladesh Bank liaison &
Training.
SUMMARY
• Strongly self-motivated, enthusiastic, committed and reliable.
• Good communication and presentation skills.
• Equally effective in working independently or in collaboration in a team effort.
• Capable of performing analysis and preparing written deliverables.
• Proven skill in analytical thinking and problem solving.
• Able to pick new concepts quickly and self-motivated to learn.
EMPLOYMENT HISTORY
NRB BANK LIMITED
Corporate Head Office, Richmond Concord
(7th
floor) – 68 Gulshan Avenue,Gulshan-1,
Dhaka-1212, Bangladesh
Designation: Manager – Internal Audit &
Monitoring
Department: Internal Control and Compliance
Duration: Still working since 03 August 2015
• Preparing of annual audit plan (Comprehensive & Spot).
• Preparing comprehensive & Spot audit checklist.
• Schedule & assign audits to team members, ensuring efficient & effective use of resources

2. • Ensure quality control of the team’s audits & activities on an ongoing basis by reviewing Report to
the Audit Committee at the required intervals on Internal Audit assignments including planned
reviews, investigations and any other ad-hoc activity as required
• Manage and oversee team performance through performance planning, coaching and performance
appraisals.
• Developing and updating the Bank’s risk-assessment and testing procedures.
• Executing compliance audits in the Privacy, Deposits and Lending (consumer and commercial)
areas.
• Review and validate business processes.
•Test internal operational controls.
• Identify opportunities for improvement in internal controls and processes.
• Participate in other special projects and investigations as assigned.
• Identify risk areas and contribute to building remediation plans.
• Provide reports to senior management.
BANK ALFALAH LIMITED
Country Office – 168 Gulshan Avenue,
Dhaka-1212,
Bangladesh
Designation: Assistant Manager – Compliance
Department: Internal Control and Compliance
Duration: Since 03 December 2013 to 30 July 2014
• Develops initiates, maintains, and revises policies and procedures for the general operation of the
Compliance Program and its related activities to prevent illegal, unethical, or improper conduct.
Manages day-to-day operation of the Program.
• Develops and periodically reviews and updates Standards of Conduct to ensure continuing currency
and relevance in providing guidance to management and employees.
• Collaborates with other departments (e.g., Risk Management, Internal Audit, Employee Services,
etc.) to direct compliance issues to appropriate existing channels for investigation and resolution.
• Acts as an independent review and evaluation body to ensure that compliance Issues/concerns
within the organization are being appropriately evaluated, investigated and resolved.
• Monitors, and as necessary, coordinates compliance activities of other departments to remain
abreast of the status of all compliance activities and to identify trends.
• Identifies potential areas of compliance vulnerability and risk; develops/implements corrective
action plans for resolution of problematic issues, and provides general guidance on how to avoid or
deal with similar situations in the future.
• Ensures proper reporting of violations or potential violations to duly authorized enforcement
agencies as appropriate and/or required.
• Works with the Human Resources Department and others as appropriate to develop an effective
compliance training program, including appropriate introductory training for new employees as well
as ongoing training for all employees and managers.
• Monitors the performance of the Compliance Program and relates activities on a continuing basis,
taking appropriate steps to improve its effectiveness.
• Act as Deputy CAMLCO.
• Maintain liaison with HO, BB, ACC, and other Regulators.
• Ensure submission of BB/HO/Internal compliance reports in time

3. BRAC BANK LIMITED
Head Office – Anik Tower (Level - 3)
220 B, Tejgaon Link Road, Dhaka-1208,
Bangladesh
Designation: Associate Manager, Operational Risk,
Department: SME Risk Management, SME Banking
Department
Duration: Since 1 June 2013 to 30 November 2013
• Assist & Guide to the 79 Branches & 399 Unit Official for flagging Risk, review and then
taking measures for mitigation & Prevention. Review Internal & External Audit Reports
(Branch, Unit Office & HO), Assist to arrange Review Meetings & teleconference among all
concerned Branch/Unit Officials to evaluate the status with logical approach and justification.
• Assist to prepare all sort of compliance report/response for SME with logical approach.
Monitoring Monthly Risk, Governance, and Compliance Meeting Minutes held at the
Branches & Leading Key Risk Indicator (LKRI) Reports.
• Review the Potential Loss Reports form SME Unit Offices & Service Centers and
SME/Krishi Branches initiative to be taken to mitigate losses.
• Obtaining Risk Report from different Units &Branches of SME Banking Division, assess
them and raise or report the same to Associate Risk Forum for taking appropriate measures to
mitigate & prevent the risk.
• Monitor, review and assist on handling Fraud and Forgery Issues, customer complain or any
incidents occurred at SME Unit Offices & Service Centers and SME/Krishi Branches and
other departments within SME Banking Division , conduct preliminary investigation on those
incidents and report them to SQ & RMD.
• Review & assist on performing DCFCL and Quarterly Operations Report for branches and
unit offices of SME Banking Division so that they can submit appropriate report within
stipulated time frame.
• Guidance to branches and SME unit office on day to day operational issues such as mandate,
Dormant account activation, LBC, Key register maintenance, DCFCL maintenance etc.
Implementing Internal & external policies & circulars for creating compliance culture in
branch and unit office of SME division
• Communicate policies and regulatory requirements, and provide quality assurance on the
design of the control measures and monitoring plans. Coordinate and consolidate OR and loss
reporting to the Business Unit Head(s).
• Design and implement control measures and monitoring plans for compliance and operational
risk management. Ensure adherence to the risk management framework in identifying,
controlling, monitoring and reporting of risk.
• Ensure sufficient actions are undertaken to mitigate, reduce or contain the identified
operational risks. Undertake and / or coordinate periodic business monitoring (self
assessment) activities, escalating issues to Business Head.

4. • Ensure sufficient actions are undertaken by business units to comply with all key regulations,
compliance and internal standards.
• Ensure the risks associated with new and changed products, services and business strategy are
sufficiently assessed and mitigated.
• Lead and coordinate effort to enhance the general risk management and compliance culture
within the business.
• Ensure all essential policy and regulatory requirements, including AML policies and
procedures are communicated and disseminated to the relevant parties on a timely basis.
• Identify gaps on OR training needs and compliance for all staff.
• Ensure timely and effective cascade of communications, new/ revised policies, procedure, and
new regulations to VS Head, senior staff as evidenced by full compliance with policies/
procedures/ regulations.
• Acting as a risk associate & focal staff of SME Banking.
BRAC BANK LIMITED
Head Office – Anik Tower (Level - 3)
220 B, Tejgaon Link Road, Dhaka-
1208,
Bangladesh
Designation: Associate Manager, Operational Risk,
Department: Retail Risks, Retail Banking Division
Duration: Since 2 January 2010 to 30 June 2013
• Plan with Management to control & mitigate operational/fraud loss of branches and SME
service centers (SMESC) by the development & review of check toolkit and taking the
initiative of strategic approach in terms of conducting surprise visit.
• Assist management as well as Branch and SME Center in implementation of all risk related
policies and procedures within the BBL.
• Conduct QA checks on various BAU activities (e.g. Develop, review, evaluate Branch
Operational Manual, Implement different process, policy & toolkit, Monitoring exercise in the
branch & SMESC) as and when assigned by Management.
• Assist Branch Manager/SME Manager in AML by monitoring of various transactions reports
& act as custodian for Internal SAR register. In this regard advice the respective personnel to
undertake reasonable investigation (customer contact, interview, document/ KYC update, etc.)
on the background of each report to decide on appropriate action on the account and/or
produce report. In this connection, also guide to maintain records & adequate audit trail of
such actions.
• Conduct investigation on staff’s irregularity in official discipline and with coordination of HR
& other department.
• Act as first level audit defend for Branch Banking & SME Service Center.

5. • Develop toolkit to continue business under any disaster. Combined number of departments to
form a disaster management committee with the presence to conduct BCP (Business
Continuity Plan), Fire Drill, Robbery Drill etc.
• Arrange meeting and training for Branch & SMESC manager to mitigate risk at their business
region.
EASTERN BANK LIMITED
Designation: Associate Customer Service Manager -
operation,
Department: Consumer Banking Division
Duration: Since 10October 2004 to 30 December 2010
• Authorization of all Cash/non-cash Transactions.
• NRB Transactions (Money gram, Pay Cash & Habib Express).
• Maintenance of Cash Balance Book and Vault Register
• Vault key holding
• Ensure 100% productivity of each staff
• Manage queue in the cash counter effectively
• Make sure that the branch’s cash holding limit is not breached
• Make sure SLA is maintained for each and every service provided to the customer
• Ensure good rating in customer satisfaction survey
• Ensure SME and corporate customer support from branch
• To communicate with customers and potential customers for sales opportunities.
• To ensure high quality service to customers as per GAP
• Handle customer feedback and complaints
• To ensure that branch maintains all the records that are auditable for good audit rating
• To ensure compliance with existing AML policies of the bank & local directives to prevent
Money Laundering
• Coach tellers and take refreshing sessions regarding operational procedures, product
knowledge and sales skills.
EDUCATIONAL QUALIFICATION
BBA- In 2001, Asian University of Bangladesh. CGPA 3.51 in a scale of 4.00
H.S.C- In 1997, Science Group, B.A.F Shaheen School & Collage Kurmitola.-. 3rd Division
S.S.C- In 1994, Science Group, Sayedpur Government Technical High school and College,
Rajshahi. 1st Division

6. COMPUTER PROFICIENCY
■ Diploma in computer science from NYTA.
■ Operating system: Windows 2000, XP. Program: Office 2007, Visual basic, Turbo C, C+,
DOS. Banking Software: Flex- cube, Finacle, Bank smart.
PROFESSIONAL TRAININGS
■ Four day’s training on “Internal Control Mechanism and Bank Supervision” at BIBM.
■ Four day’s training on “Prevention of Malpractices in Bank” at BIBM.
■ Day long training on “Training for Trainers on AML/CFT” at BBTA
■Two day’s training On “Anti Money Laundering, Negotiable Act and Internal control and
compliance” at BRAC Bank training academy.
■Ten day’s training on “Foundation course for officer” at BIBM training institute.
■Two day’s training on “Advance Excel” at BRAC Bank training academy.
■Two month “English proficiency Development course” at BRAC University.
■ One day Training on ATM handling at Training Academy of ITCL.
■ Three days training on customer handling & communication Skill Training provided by
Amplitude Solutions Ltd.(Jointly with Add-Value Training Consultants and QIA India (Pvt.) Ltd.
India)
■ One day Training on Customer Services at Training Academy of EBL.
■ One day Training on IT representative at Training Academy of EBL.
■ One day Training on Anti Money Laundering at Training Academy of EBL.
■ Participated in day long training “Money Laundering and its Prevention in Bangladesh”
arranged by Eastern Bank Limited with Bangladesh Bank
AS TRAINER ( BRAC BANK LIMITED )
■ Training on “Cash receive and payment Process” at BRAC Bank training academy.
■Training on “Negotiable Instrument ACT” at BRAC Bank training academy.
■Training on “Daily Operations activity of SME Sales and Service Center” at BRAC Bank
training academy.
■Training on “Operational Risk Management & Mitigation” for New BM at BRAC Bank training
academy.
PROFESSIONAL AWARD & CERTIFICATES
■ Two Times nominated for Best customer services officer in the Year of 2007.
■ In 2008 I was nominated for half yearly Town Hall Award.
■ Deposit campaign in Eastern Bank Ltd, I achieved 2nd
position in my Branch
■ In 2009 Best business performance appreciation mail received from cluster head and other Official
Colleagues of Eastern Bank Ltd.

7. PERSONAL INFORMATION
Father name: Abdul Kadir Akand. Mother name: Safina Begum. Date of Birth: 21TH
aug 1979.
Religion: Islam. Marital Status: married. Height-6’-1”.. Phone Number: 02871292 (Res) Mobile:
01970356729.E-mail:jewelakand@gmail.com
ABDUL QUDDUS