1. E-Mail : charlesswintonstirling@gmail.com
1. Family Name: Stirling
2. First Name: Charles Swinton
3. Nationality: British
4. Civil Status: Married
5. Education:
Institution Institute of Bankers , UK
Date from (month/year) to
(month/year)
1971 to date
Degree(s) orDiploma(s) obtained Parts 1(English, Accounting, Economics, UK
Banking Law) and 2 parts of Part 2 (Accounting
and Economics)
Institution Grenville College, Devon, UK – (a Private School
equivalent to US High School)
Date from (month/year) to
(month/year)
1964 to 1969
Degree(s) orDiploma(s) obtained 9 O Levels, A level in Mathematics
6. Language Skills: (Mark 1 to 5 for competence*) *5 highest
Language Reading Speaking Writing
English 5 5 5
French 3 3 3
Italian 1 1 1
Thai 1
Arabic 2
7. Membership ofProfessional Bodies:
 Former President, Guam Bankers Association
 Former Vice Chairman, English Speaking School of Amman (Jordan)
 Member of the Institute of Bankers (UK)
8. Other Skills: Familiar with Excel, Word, Access, Electronic Banking, Telerate, Reuters
9. Previous Position: Aug 2012-Sep 2014 – Deputy CEO/ Head of SME/ Head of
Risk/Compliance/ Retail Banking and Treasury and oversight of Microfinance activities for largest
Microfinance Bank in Afghanistan (Ownership 51 % Aga Khan and affiliates, 32 % KfW, 17 %
IFC)

2. 10. Executive Summary
a) Experience & Approach: Charles Stirling is an international banker having worked for the
Hong Kong and Shanghai Banking Corporation (HSBC) for 23 years in senior executive
positions in the Middle East (Dubai, Bahrain, Oman, Saudi Arabia and Jordan- where he was
Deputy CEO), the Far East (Hong Kong and Macau), and the Pacific (Philippines and Guam –
USA – where he was CEO).In more recent years he has been engaged in two major State Bank
restructuring programmes in Nepal and Bangladesh both funded by the World Bank which
involved the introduction of Compliance and Risk Management principles. Subsequently
engaged in a European Bank for Reconstruction and Development (EBRD) funded
programme to review / recommend changes to the Treasury operation (Forex/Money Market,
Operational, ALCO and Liquidity management) and Risk Management covering Market Risk,
operational and Credit Risk for a bank in Albania. He has a solid understanding of Audit,
Compliance, Corporate Governance, Anti Money Laundering, with relevant experience in
all positions. His most recent engagement has been as Deputy CEO as well as Head of Risk
and Compliance and Head of SME /Retail Banking and Treasury and oversight of
Microfinance activities for the largest microfinance bank in Afghanistan. (Please see item 12
) professional experience below)
He has also provided bank consultancy work to the Accounting firm Deloitte, Touche and
Tohmatsu specifically in Vietnam. He is very results oriented in planning and delivery, ensuring
sustainability through competence and development of staff in cross cultural environments to
provide such results.
b) Professional Skill Sets: He has extensive experience in Compliance, Corporate Governance,
Cluster & Product Development, Correspondent Banking and Anti Money Laundering. Credit
(Corporate/SME and Retail Financing and Microfinance), Treasury Management (Forex,
Money Market , Liquidity, Interest Rate and ALCO), Trade Finance (post/pre shipment
finance), Risk Management (Credit, Market, Liquidity, Treasury, Operational Risks, as
well as subsidiary Risks such as product development, economic, political, reputational etc.
), Retail Banking covering Branch Operating procedures (including Administration, Accounting,
Remittances and Deposits), Human Resources, Change Management,, Strategic Planning
(including implementation) and Internal Audit. He is also experienced with both manual and
computerised accounting systems and IT system start-up (including introducing phone banking)
c) Specific experience relating to Compliance and Risk Management
i) Compliance
Bahrain (HSBC) - covering Central Bank Operational reporting requirements with
regard to Commercial and Retail Operations Credit (Corporate/SME’$ and Retail
financing)
Guam (USA) (HSBC) – covering US Labour laws and US Federal Reserve reporting
requirements
Jordan (HSBC) – covering Central Bank reporting requirements relating to Trade
Finance, Retail Banking operations and Treasury.
Nepal (World Bank funded project) Rastriya Banija Bank – covering all Retail
Banking operations, Finance and Treasury reporting requirements to meet Central Bank
of Nepal legislation. Also wrote operating/procedure manuals for Retail Banking
and Treasury to comply with Central Bank regulations including Anti Money
Laundering and KYC proce

3. Bangladesh (World Bank funded project) Sonali Bank– covering all Central Bank
reporting and compliance requirements relating to Treasury and Remittances (a very
large contributor to Bangladesh GDP). Reviewed and recommended changes to the
ALCO process as well as a recommendation to the Central Bank regarding their Inward
Remittance policy
Cambodia – In the process of conducting an initial set up scenario for a new bank.
Wrote a Human Resources manual to comply with Labour laws and Central Bank
regulations. Also established a Risk Management and Compliance Manual to
include Anti Money Laundering (FATF 40) and KYC.
Albania – (EBRD project) – reviewed and brought up-to-date all Treasury and Branch
operational procedures and reporting requirements to ensure compliance with Central
Bank of Albania regulations
Afghanistan – Current (please see item12) Professional experience below)
ii) Risk Management
Jordan (HSBC) – covering all Bank operational activities (except corporate credit but
including SME/Retail financing)
Nepal (World Bank project) – covering all Retail Banking, Treasury and Trade Finance
functions – including introduction of Anti Money Laundering procedures
Bangladesh (World Bank project) – covering all Treasury and Remittances activities
including Anti Money Laundering.
Albania – (EBRD project) – covering Treasury and Risk Management Departments and
commenced reviewing operational and branch management control processes.
Afghanistan – Current (please see item12) Professional experience below)
iii) Other Relevant information
- approached by a consulting company regarding establishment of a Banking
Compliance Office with Qatar Financial Center - 2008
- Approached by a US consulting company regarding a potential review of Da
Afghanistan Bank rules/regulations (2009)
d) Specific experience relating to SME’s
 Guam (USA)
 Jordan
 Bahrain
 Afghanistan – current (please see item 12) Professional experience below)
Responsible for developing Account Relationship Management approach for SME
financing in all the above countries including development/training of client awareness
relating to the significance of Cash Flow Management (particularly with regard to
seasonal financing), Insurance, stock monitoring, competition, pricing, staff overheads,

4. accounting procedures, Human Resources, marketing/sales and supplier selection.
Worked with USAID and KfW on developing client training programmes at SME level
Also have previous experience in developing Microfinance and SME products
(Deposits loans and remittances)
11. Consultancy Employment history
i) Albania August – October 2009- Union Bank – EBRDproject,
 Reviewed and recommended changes to the Treasury Front/ Back Office operations
covering Forex/Money Market and Liquidity Management
 Reviewed and recommended significant changes to the ALCO process
 Reviewed and recommended changes to Market Risk Management process
 Required to provide a detailed Human Resources analysis of all personnel within the
Treasury and Risk Management Departments
 Provided internal Audit with audit Checklist for Treasury.
 Commenced review of Credit and Operating Risk Procedures including Relationship
Banking
 Recommended the introduction ofa Microfinance Division
ii) Cambodia April 2008 – June 2008
 Engaged to establish a new commercial Bank
 Completed Human Resources Policies and Procedures Manualincluding recruitment,
Goals/Measures (KPI’s),Appraisals/ Remuneration structure covering both Clerical and
Executive personnel in compliance with local labour laws
 Selected suitable IT soft/Hardware
 Commenced drafting of Compliance and/Internal Audit Manual – which was to
include the FATF 40 AML/CFT recommendations
 Commenced advertising for personnel and enjoined the basic selection process
 Contract cancelled due to owners selling a majority shareholding to an existing bank
 Assisted in drawing up Strategic Plan
ii) Bangladesh – 2005 – 2007,Sonali Bank, World Bank Project
 Reviewed and introduced changes to Treasury Operations – both Forex ,Money Market,
Interest Rate and liquidity Management to comply with the Central Bank regulations
 Merged both Forex and Money Market operations into one operational unit.
 Introduced Middle Office in Treasury to cover Risk Limits and Forex/Money Market
trading exposure.
 Reviewed and changed the ALCO process
 Introduced Western Union to Sonali Bank
 Reviewed and recommended changes to all Treasury related Manuals to comply
with Central Bank regulations
 Recommended reducing the number of Nostro Accounts held
 Recommended (strongly) marking to Market on a daily basis
 Commenced review of Export Processing Zone activities of the Bank
 Recommended writing off of all old (over two years) unreconciled items in Nostro
Accounts
 Established committee to select suitable standalone IT Treasury system

5. iii) Nepal – Rastriya Banijya Bank – World Bank project, 2003 – 2005
 Restructured Treasury Department – both front and Bank Offices
 Became largest Interbank lender in Domestic Market
 Introduced Risk Management principles for Treasury and SME Financing
 Responsible for separating Corporate and SME Credit into different divisions
 Assisted in major campaigns to increase both Deposits and expand the SME Portfolio and
introduced new Financial products.
 Prepared Strategic plan for both Treasury and SME Financing
 Negotiated an Interbank credit facility (covering Forex and Money Market) with a major
European Bank
 Wrote procedure manuals for both Retail banking and Treasury operations in order
to comply with Central Bank regulations
 Assisted in the selection process of suitable IT System for the bank
 Member of Accounting Review Committee
 Introduced ALCO Process
 Introduced basic Anti Money Laundering Programme based on the FATF
(Financial Action Task Force 40 recommendations
 Responsible for all Correspondent Banking Relationships
 Recommended writing off of all old unreconciled items under USD 100 over two years
old (approved)
 Established a Nepali Overseas worker Remittance programme in Malaysia, Dubai and
Qatar
iv) Thailand 1997 – 2002 BetonMast - Norwegian Power Transmission Company
 Financial Consultant to the Company – eventually appointed as Company
Representative for Thailand
 Responsible for all Cash Flow/and Cost to Completion (including accounting data input)
and Administration including Human Resources
 Responsible for overseeing corporate compliance with ISO 9001
v) Thailand 1994 – 1997 Monterey Group – Thai Company
 Engaged as Group Financial Controller responsible for all seven corporate entities within
the Group
 Responsible for overseeing all accounting/tax and cash flows of all the Group companies
– including cost to completion forecasts specifically related to the main Group business
line – construction of two Condominiums in Bangkok
 Introduced Strategic Planning exercises to the Group entities with the primary objective of
containing costs
 Established a hedge operation with London Metal Exchange covering the Groups
commodity dealings (Rubber)
 Member Committee to select suitable Soft/Hardware for the Group
12) Professional Experience Record
2012 to date – Afghanistan
 Engaged by the Aga Khan Foundation as Head ofRisk and Compliance for their
Microfinance Bank (encompassing Micro finance/SME and Commercial Banking) in
Afghanistan.(It is the largest Microfinance Bank in Afghanistan and is owned by the
Aga Khan Foundation, KfW and IFC)

6. Responsible for establishing and overseeing a sustainable Risk Management and
Compliance framework covering all aspects ofRisk Management (Credit –
Microfinance/SME Retail financing, Treasury – Forex/Money Market and ALCO,
Market (Interest rate) Risk,Operational Risk, Liquidity Risk, FXRisk and
subsidiary risk such as reputational, product development, economic, political etc.).
In respect ofCompliance responsible for overseeing day to day operations relating to
compliance with central bank regulations, anti money laundering and the combating
of the financing of terrorism and KYC. Responsible for introducing FATCA.
Reviewed/rewrote all Bank operating procedure manuals incorporating international
best practices also conducted a reviewofall existing/proposed products with
recommendations for Board approval as appropriate.
In early 2013 was appointed Deputy ChiefExecutive Officer responsible for
overseeing all Risk/Compliance, Treasury functions / limits/authorised
counterparties, Retail Banking and SME, Strategic planning and Branch operations.
A Senior Member ofSME Credit Committee, Delinquency Committee (Micro
Finance and SME) and ALCO. Secretary to the Risk Management Committee ofthe
Board of Directors. Member ofHR committee. Alternate member ofAfghan Bankers
Association and maintaining relations with Central Bank. Responsible for
development oftraining programmes in conjunction with USAID and KfW
.
1971 – 1994 Hong Kong & Shanghai Banking Corporation (HSBC)
i) Bahrain – Position: Manager Credit, 1992 – 1994
 Responsible for 6 senior executives covering Corporate and SME Financing
 Introduced Account Relationship Management including compliance with Central
Bank Credit criteria
 Streamlined workflow and increased SME lending portfolio by 10% to 40% (from 30%)
 Introduced structured Career path with the Credit Division
 Structured a 3 year Strategic Plan for the Credit Division
ii) Jordan (Amman) – Position: Manager Retail Banking, 1989 – 1992
 Responsible for all Bank and Branch operations (including Administration) and Human
Resources (including advertising, short-listing, interviewing, selection and contract
drafting for clerical and executive positions), Retail Banking and SME Lending.This
also involved compliance with Central Bank and Labour Department regulations
 Introduced the ALCO Process
 Centralised Trade Finance Division
 Introduced Sales/and Marketing processes specifically to sell/ cross sell financial
products aimed at SME operatives.
 Initiated and successfully implemented the Banks business to be split into three core lines
– Retail (Including SME financing Banking),Corporate Banking (including Trade
Finance) and Treasury (required significant Change Management )
 Deputy Chairman of Strategic Planning exercise
iii) Hong Kong 1987 – 1989, Position: Manager Treasury and Institutional Credit
 Responsible for all Credit Relationships with Banks and Financial Institutions in Hong
Kong – focus being on Forex and Money Market Credit lines
 Member of ALCO
 Responsible for Treasury Compliance

7. iv) Guam (USA) – Position: Vice President and Manager (Micronesia), 1983 – 1987
 Responsible for all Banking (including Operations/Administration) and Marketing
activities and Human Resources (including advertising, short-listing interviewing,
selection and contract drafting for clerical and executive staff) in Guam and Micronesia
(Ponape,Truk, Palau , Majuro and Saipan)
 Responsible for all Corporate and SME Financing
 Increased SME portfolio by over 50 % by introducing newproducts: e.g. Vehicle
loans ,cross selling Insurance et al
 Responsible for compliance with all US labour laws and Federal Reserve reporting
requirements
 Introduced Liquidity Management and Treasury related products
 Returned Branch to Profitability within 6 months
 Oversaw successfulconversion of computer system (IBM 38) to replace manual
NCR 32
 Had significant dealings with the US Drug Enforcement Agency and also the FBI
covering Anti Money Laundering and terrorism related transactions.
v) Bahrain 1981 – 1983
Position: Assistant Manager Operations – responsible for all banking operations of the 5
branch network including Human Resources covering adverting material, short-listing,
interviewing, selection and contract drafting – also negotiated with the Bahrain Ministry of
labour a three year “localization” programme that involved the replacement by Bahraini’s of
approximately 250 Indian nationals ( out of a total staff of over 350) engaged by the bank.
Responsible also for compliance with all Central Bank reporting requirements.
vi) Philippines 1980 – 1981
Position: Retail Officer.
vii) Hong Kong 1979 – 1981
Position: Manager Foreign Exchange – Corporate Desk (Treasury)
viii) Oman 1976 – 1979
Saudi Arabia (Alkhobar) 1975 – 1976
United Arab Emirates 1971 – 1974
Various Positions
References:
Current references available on request