1. IFTIKHAR AHMED ABDUL LATIF
0097150 6775341 U.A.E.
iftikhar.azad@yahoo.com
azad.iftikhar@yahoo.com
iftikharahmadazad@gmail.com
Key Skills:
 Comprehensive understanding of Sharia standard of AAOIFI.
 Proficient in applying Sharia concepts in bank’s processes.
 Awareness of the needs of Islamic banking.
 Comprehensive understanding of Sharia Audit.
 Sharia review of documentation
 Sharia Structuring
 Sharia consultancy
 Sharia Training
 Sharia Product designing
 Sharia Board Secretarial Activities
 Sharia Pronouncements (Fatawa) drafting
 Communication and relationship with Sharia Scholars
 Presentation skills in presenting Islamic Banking Products
 Maintenance of Contracts and documentations
 Translation Work
 Legal Consultancy
 Risk Management
 Core banking assistance.
 Excellent Training Skill.

2. Work Experience & Employment History
Employer: Sharjah Islamic Bank – Sharjah –U.A.E.
Position: Manager –Credit Administration Enterprise Risk Management -
Corporate& SME July 2014 onward
Responsibilities:
 Prioritize and organize workload ensure routine activities are completed within the
established timeframes.
 Observing discrepancies to ensure that all margin stipulations meets the compliance
standards.
 Attend the request of Legal/Sharia referral for security documents/contracts status to
Credit Management &Business Units.
 Ensure the Condition Presidents and Condition Subsequent of Credit Terms.
 Adherence to standard turnaround time to meet the requirements of the internal
customers, which in turn affects the customer’s satisfaction level.
 Inputs information provided by the incumbent to the business units and Credit
Management/Division is crucial to take appropriate decision.
 Solve issues relating to incomplete securities and obtain the legal opinion.
 Close coordination with Legal in the relevant areas.
 Recommend improvements in Operating System and procedure and credit policies.
 Sharia & Legal review the relevant documents, agreements and contracts
 Back-up Staff Training.
Employer: Sohar Islamic Bank - Muscat- Oman
Position: Head of Sharia Compliance & Audit, Internal Sharia Reviewer and
Secretary to the Sharia Board. January 2013 onward
Responsibilities:
A- Internal Sharia Review:
 Compliance review of Islamic Banking Products ,Documents, procedures,
Applications, Forms, policies and Marketing Material: (Retail Products: Vehicles
Murabaha, Goods Murabaha, Services Ijarah, Credit Cards, Home Finance
,Investment Time Deposits, Commodity Murabaha, Real Estate etc).
 Legal Review of the relevant documents, agreements and contracts.
 Providing Sharia guidance on day –to-day matters to the Management, staff,
branches, concern departments and supporting unites of the bank.
 Receive and respond urgent queries.
 Responding to customer queries about products, services and procedures.
B- Sharia Audit & Compliance:
 Prepare Sharia Audit Program. & Execute Sharia Audit Plan
 Prepare Sharia Audit Report (Vehicles Murabaha, Goods Murabaha, Services Ijarah,
Credit Cards, Home Finance).
 Discuss the Audit findings with the concerned individuals & departments
 Present Sharia Audit Report to the Sharia Board
 Prepare Annual Sharia Audit Report

3.  Review the Mudaraba profit distribution
 Follow up of Late Payment Charges
 Participate in new products structuring and documentation
 Audit Observations follow up with the concerned departments & branches to insure
compliance as per SSB guidelines and to providing appropriate procedure if needed.
C- Secretaryto the Sharia Board:
 Preparing Sahria Inquiries.
 Coordinate with the divisions of the Bank, receive critical issues and discuss with
the concern division.
 Fix meeting time with the Board members.
 Prepare Agenda for the Sharia Board meeting.
 Attend Sharia Board meeting and present the agenda items.
 Prepare Minutes of Meeting in Arabic and translate it into English for the Bank
Officials.
 Translate the Board Resolutions, Pronouncements and general instructions into
English.
D- Sahria Training
 Select Training Material & Prepare Training Plane.
 Conduct training sessions for new and old staff.
 Conduct public awareness programs about Islamic banking.
Employer: Dubai Islamic Bank (Dar Al Sharia) Dubai- U.A.E.
Position: Senior Officer – Sharia Auditor. January 2012 - Dec 2012
Responsibilities:
Sharia Audit & Compliance:
 Prepare Sharia Audit Program. & Execute Sharia Audit Plan.
 Prepare Sharia Audit Report (Vehicles Murabaha, Goods Murabaha, Services Ijarah,
Credit Cards and Home Finance).
 Discuss the Audit findings with the concerned individuals & departments.
 Present Sharia Audit Report to the Sharia Board.
 Review the Mudaraba profit distribution.
 Follow up of Late Payment Charges.
 Participate in new products structuring and documentation.
 Audit Observations follow up with the concerned departments & branches to insure
compliance as per SSB guidelines and to providing appropriate procedure if needed.
 Receive and respond urgent queries.
 Respond to customer queries.
 Training coordination.

4. Employer: Emirates Islamic Bank Dubai- U.A.E.
Position: Assistant Secretary - Sharia Supervisory Board June 2008 - Dec 2011
Responsibilities:
A- Assistant- Sharia Audit & Compliance:
 Prepare Sharia Audit Program. & Execute Sharia Audit Plan
 Prepare Sharia Audit Report (Vehicles Murabaha, Goods Murabaha, Services Ijarah,
Credit Cards, Home Finance).
 Discuss the Audit findings with the concerned individuals & departments
 Present Sharia Audit Report to the Sharia Board
 Prepare Annual Sharia Audit Report
 Review the Mudaraba profit distribution
 Follow up of Late Payment Charges
 Participate in new products structuring and documentation
 Audit Observations follow up with the concerned departments & branches to insure
compliance as per SSB guidelines and to providing appropriate procedure if needed.
B- Assistant- Sharia Board Secretary:
 Prepare Sahria Inquiries & present the same to Sharia Supervisory Board for
approval.
 Coordinate with the divisions of the Bank, receive critical issues and discuss with
the concern division.
 Co-ordinate with concerned sides for timely SSB meetings.
 Prepare Agenda for the Sharia Board meeting.
 Attend Sharia Board meeting and present the agenda items.
 Prepare Minutes of Meeting in Arabic and translate it into English for the Officials.
 Translate the Board Resolutions, Pronouncements and general instructions into
English.
Employer: Via International. Dubai (A well-known Swedish Financial Solution System)
Position: Sharia & Legal Coordinator: January 2006 - 2008
Responsibilities:
 Compliance review of Islamic Banking Products ,Documents, procedures,
Applications, Forms, policies and Marketing Material:
 Legal Review of the relevant documents, agreements and contracts.
 Providing Sharia guidance on day –to-day matters to the Management, staff , and
concern departments and supporting unites.
 Receive and respond urgent queries.
 Responding to customer queries .
 Legal & Sharia Compliance Review of the documents:
 Attending meetings, seminars, workshops & conferences and preparing the
conclusions on the attended events.
 Sharia Training

5. Employer: Dubai Courts & Department of Justice Dubai- U.A.E.
Position: Judicial / Legal Translator & Interpreter
January 2001- June 2008
Responsibilities:
 Judicial translation & interpretation assignments for Misdemeanor Court, Appeal
Court, Traffic Court , Immigration Court , Public Prosecution, Notary Public, Police
Stations, Criminal Laboratory…..etc.
 Arbitration
 Family Counseling
 New Muslims Affair
Employer: Ministry of Justice - U.A.E.
Position: Judicial / Legal Translator & Interpreter July 1997 - Dec 2000
Responsibilities
 Judicial translation & Interpretation (Sharjah Islamic Court, Civil Court, Appeal
Court, Public Prosecution)
 Legal Marriage Official / Registrar
 In- charge of New Muslim Affairs
 Family Counseling
 Arbitration/ Mediation.

6. Qualifications:
 (CSAA) Aaoifi Certified Sharia Advisor and Auditor.
Accounting and Auditing Organization for Islamic Financial Institutions
Kingdom of Bahrain (AAOIFI)
 LL.B (Hon’s) Sharia & Law.
International Islamic University Islamabad Pakistan 1995
 B.A Bachelor
Ministry of Education - Doha – Qatar
 Hifz ul Quran.
Dar al Tajveed and Hif ul Quran Arabic Board Pakistan
 Higher Diplomas in Islamic Studies.
Arabic Board Pakistan
 Cources Islamic Banking Products.
GTC. Global Training Centre Dubai U.A.E
 Courses in Legal Terminology.
Dubai Courts & Justice Department U.A.E
 English Language Course.
British Cultural attaché Centre Dubai U.A.E
Languages:
Arabic (Fluent) English (Fluent) Hindi & Punjabi (Fluent) Urdu, (Native)
Personal:
Name : Iftikhar Ahmed Abdul Latif
Citizenship: Pakistani
Date of birth: 01 Dec 1967
Mobile: 0097150 6775341 U.A.E.
E-mail: iftikhar.azad@yahoo.com
iftikharahmadazad@gmail.com
References: will be provided on request