1. Muhammad Rafique Qureshi
E-Mail: mrafique.qureshi@yahoo.com
Cell: # +92 03002083915
Karachi, Pakistan
OBJECTIVE:
To contribute to the growth of your esteemed organization by utilizing my
skills & experience that I learned in Allied Bank
QUALIFICATION: M.A (Master Degree)
WORKING EXPERIENCE
As a Senior Officer AML, Transactions & Remittance Monitoring in Allied Bank
In Compliance Group “ AML, Transactions & Remittance Monitoring ”
{Anti-Money Laundering / KYC/ CDD/EDD} since 2005 to 2014
Main Assignment: To Review, analyze, and assess alerts (i.e. suspicious activities /
Transactions) generated by the AML Monitoring system
as mentioned below framework.
• Transaction involving large amounts of cash.
• Transaction involving transfers abroad.
• Transaction involving unidentified parties.
• Large amount transfer from other account.
• Transaction in F. Currency Accounts.
• FCY inward Remittance/Out ward.
• Monitoring of staff/ Employee account.
• NGO, Trust, Charities Accounts.
• Club or Society Accounts.
• Non Resident customer Accounts.
• Transaction involving large amounts in Minor Account.

2. • Monitoring Money Changer Accounts.
• Customers in cash based business transaction Accounts.
• Politically Exposed Persons (PEPs) Accounts.
• Filtering /Checking customer name & particular from OFAC (Blocked Persons
List)
• Follow up instructions/ guidance of Regulations AML/ CFT.
• Analyze and identify possible money laundering activity reported by
branches, or systems.
• Review and analyze internal and external referrals for suspicious activity.
• Conduct research to evaluate customers and/or activity to determine
legitimacy.
• Assist AML Investigators and Management in information retrieval and
analysis.
• Handling any inquiries pertaining to Anti Money Laundering.
• Handling any suspicious activities/transactions as per assigned by Senior
AML Specialist.
• Respond to branches and Regional Office, AML & Compliance inquiries.
• Review and address systems generated and manual AML alerts.
• Monitor and report suspicious transactions to the Bank s CEO and related
regulatory & other agencies.
• Assist and train other departments' personnel on AML & Compliance issues.
• Cooperate with the Controlling Head of the Banking (FUM) SBP. And
respond to their queries and information requests.
• Provide all reports and information in a timely and accurate manner.
• Attend training sessions as required to keep current with regulation changes
And bank policies.
• Assist managers in charge of compliance & AML with banking regulations to
develop and modify procedures for carrying out the requirements of the
applicable laws & regulations.
• Assist in managing, driving and supporting the initiative of AML systems.

3. Advised given of the managers to monitoring of customer accounts for
Money laundering and terrorist financing activities.
• Review anti-money laundering policies and procedures and ensure that all
Suspicious transactions identified are properly investigated.
ANALYZE AND MONITOR CLIENT COMPLAINTS.
• Maintain taken up cases Data of customer transactions account.
• Maintain complete Data of transactions (Statement) EXTRACTED from
DISCOVERER of the customer’s account.
• Review Account Opening Documents (KYC/CDD) of customer.
• Review customer Risk Category.
• Maintain of suspicious transactions Data.
• Preparation Consolidated position of outstanding pending cases.
o Ensure Compliance as prudential Regulations.
o Relevant provision of existing Law and Regulations.
o Implementation of Internal Audit Reports.
o Implementation of External Audit Reports
Working Experience in other Deparments/ Divisions/Group HO -Allied Bank.
 Credit Monitoring Division.
 Credit Division.
 Administration Department. (Risk Management Group)
 General Banking.
Seminar /Training/ Course.
► Certificate of the seminar/course. (ABL)

4. Computer Application Skills on MS-OFFICE XP.)
► Certificate of the seminar/course. (IBP)
Latest Update SBP AML/CFT Regulations
► Certificate of the seminar/course. (BDI)
“Compliance & Risk Management”
► Certificate of the seminar/course. (IBP)
KYC IS BUSINESS AS USUAL.
► Certificate of the seminar/course. (ICIL)
AML/ KYC/CDD.
► Certificate of the seminar/course. (IBP)
KYC, AML Specialist.
► Certificate of Completion Computer Based Training
“Awareness Program on AML/CFT ” (Allied Bank)
► Certificate of KYC /AML Specialist . (IBP)
► Certificate of the seminar/course. (ABL)
“RECOVERY OF CLASSIFIED AND STUCK-UP ADVANCES”
Personal data:
Address : H.No. R-57, Block # F, Gulshan-e-Jamal
Rashid Minhas Road, Karachi, Pakistan.
Marital Status : Married
Religion : Islam
Nationality : Pakistani
Language : English, Urdu