1. RUBINA ARIF
rubi.arif0097@yahoo.com
Cell # 971 528148355
#971 525212403
CAREER OBJECTIVES
An experienced and well maintained professional having ample amount of knowledge in
banking sector and seeking an opportunity in the organization to use my skills and be able to
contribute to the firm for which I am working. I will put my best effort to learn the company's
policies and make better decisions in the favour of the company.
CAREER SUMMARY
 Having 8 years 4months of experience in the field of banking.
 Providing solution to the customer’s problems.
 Selling insurance policies to the customers and giving them after sale services.
 Providing banking solutions to the rising needs of the customers.
DEVELOPED ABILITIES
 Ability to quickly adapt myself with the working environment of a new and large
organization;
 Able to work under pressure and generally produce good results;
 I can integrate with team for optimum output;
 I am always ready to transfer my knowledge to other colleagues for their betterment
and that of the organization.
COMPUTER SKILLS
 Good knowledge of management software and usage of its tools.
 Knowledge with Microsoft office kit – MS Excel, MS Word, Power Point, and excel.
 Selling insurance policies to the customers and giving them.
 Responsible for Cash Withdrawal and Cash Deposit over the counter.
EDUCATIONAL BACKGROUND
Bachelors in Art Punjab University 2006
FA RISE Rawalpindi 2002
Matric BISE Rawalpindi 2000

2. PROFESSIONAL EXPERIENCE
Silk Bank - Customer Services officer 28 Nov 2008 to till date 07 April 2014
• Ensure to deliver the quality service to customer, the projection of professional
and warm image maintenance of operational controls and continuous improvement in
operation efficiency.
• Monitoring and processing of all activities pertaining to ATM operations and
ensuring that ATM cash is balanced.
 ATM captured card balancing and deliver to customers as per bank policy Cheque book
request receive and deliver to customers as per bank policy Clearing/collection
 Responsible for Counter Services with a view to achieve timely and accurate processing
of deliverables in a personalized environment.
 Performing daily transactions relating to Issuance of Pay orders / Drafts.
 Frond End processing of Telegraphic Transfers.
 Issuance of Traveler's Cheques.
 Front End Processing of Government Securities.
 Processing of all transaction under my DOA and according to group guidelines and
compliance manuals.
 Control & Reconciliation of Government Securities GL accounts.
 Review of systems & controls on a regular basis, identifying bottlenecks and control
weaknesses. with a view to achieving improvements in liasion with operations, IT,
compliance and Branch Sales & Service Manager.
 Maintaining standards set in the KCS.
 Ensuring departmental activities carried out strictly in accordance with the SBP and
bank's internal laid down procedures/ processes.
 Timely and accurate preparation/submission of reports as directed/required by the
Branch Operation Manager.
 Coordination with sales/ service staff for smooth service without negotiating on control
functions.
 Resolving investigations and inquiries initiated by customers to the specified standard.
Union Bank - Collection Officer - Islamabad Aug 01, 2006 to
Jan 31, 2007
 Arranged for debt repayment and established repayment schedules, based on customers'
financial situations.
 Located and monitored overdue accounts, using computers and a variety of automated
systems.
 Traced delinquent customers to new addresses by inquiring at post offices, telephone
companies, credit bureaus, and through the questioning of neighbors.

3. Standard Chartered Bank - Recovery Officer - Islamabad Feb 01, 2007 to
April 26, 2008
• Calling over delinquent customers/ Accounts
• Visits to skipped customers & Skipped Tracing
• System updating for further collection and other departments regarding the
customers
• Obeying the group policies (i.e. Group code of conduct, Collection Policy &
Procedure, Collection Code of Conduct, etc.)
• Achievement of targets assigned by the management & Daily Update the
Supervisor.
Standard Chartered Bank
Universal Teller April 28, 2008 to November 26, 2008
• Review of systems and controls on a regular basis, identifying bottlenecks and
control weaknesses with a view to achieving improvements, in liaison with
Operations, Information Technology, Compliance and Branch Sales & Services.
• Resolving investigations and inquiries initiated by customers to the specific
standard.
 Internal transfers
 Pay order and demand draft issuance Cancellation of pay orders and demand drafts
Maintenance of Key Registers.
 Checking of vouchers with reposts on daily basis Preparation of cash balance reports as
per SBP rules and regulations. Daily and monthly reporting
PERSONAL INFORMATION
Father Name Muhammad Arif
Date of Birth 25 -04-1982
Visa Status Visit
Visa Exp 02-04-2016
Passport no CL1985842
Nationality Pakistani
Religion Islam
Marital Status Single
REFERENCES
References will be furnished if required.