1. Muhammad Azhar Javed
122-A, Block-E, Satellite Town, Rawalpindi (Pakistan)
Cell No. 0092-334-7434385, E-mail: azhar.javed@hotmail.com
Career Objective
I want to purse a career that will enable me to apply my knowledge in a competitive
environment. My preference is to develop a career in local or multinational institution
which can offer a challenging and stimulating environment continuous for training,
professional development and long term association.
Career Overview
Have excellent career in Banking, Auditing, Internal Controls, Compliance &
Training, Finance & Accounts departments of different financial institutions and
manufacturing industries. Started professional carrier as Deputy Chief Accountant
from M/s Ghani Glass Limited, Lahore in 1994, then served in M/s Ravi Spinnings
limited, Head Office, Lahore as Chief Accountant for two years. Joined M/s MCB
Bank Limited and performed in different divisions like internal audit, internal
controls, compliance & training etc for 13 years. Presently I am working in M/s Zarai
Taraqiati Bank Limited, Head Office, Islamabad since January 2012. In ZTBL I
remained posted as Vice President – Corporate Audit Department for four years
and currently posted as Acting Senior Vice President—Islamic Banking
Department since January 2016. During my stay in above listed public limited
companies and commercial banks, I handled and supervised all types of Management,
Internal Controls, Compliance, Training, Finance & Accounts, Auditing, Book
keeping and Taxation assignments independently, confidently and successfully.
Strengths
For the dedicated team of professionals in your organization I have following
strengths:
o Understand and support the management in achievement of their goals
o Accept challenges and take assignments as targets
o Disposal of work on time and to the contentment of the management
o Good Listener

2. 2
Employment History
Zarai Taraqiati Bank Limited, Head Office, Islamabad
Duration: January-2016 to date
Job Title: Acting Senior Vice President – Head Islamic Banking Department
Job Responsibilities included:
 Supervision of Islamic Banking Department.
 Assist the Senior Management in establishing the Islamic Banking set up in ZTBL.
 Preparation of conversion plan/ business plans for Islamic Banking in light of circulars/
guidelines issued by the State Bank of Pakistan.
 Product Development for Islamic Banking in the Bank.
 Liaison with SBP and other institutions in order to implement Islamic Banking in ZTBL.
 Coordination with Human Resource Department of the Bank in order to hire human
resource for Islamic Banking.
 Coordination with Training & Development Department for arranging trainings of
Islamic Banking staff.
 Correspondence with internal and external customers of the Bank.
Zarai Taraqiati Bank Limited, Head Office, Islamabad
Duration: February-2012 to January 2016
Job Title: Vice President – Incharge Corporate Audit Department
Job Responsibilities included:
 Supervision of affairs of Corporate Audit Department.
 Assist Chief Internal Auditor in matters relating to Board Audit Committee.
 Audit Planning and its execution for all the Head Office Departments.
 Guide Management Audit Teams regarding audit planning, execution and reporting.
 Discussion of Draft Management Audit Reports with the Auditees.
 Communicate the results of management audit to Management / Board Audit Committee.
 To recommend/propose remedial actions to the management.
 Settle audit paras upon satisfactory compliance from the auditee.
 Correspondence with internal and external customers.
 Post payment audit of all the payments made at Head Office.
 To arrange special audit as and when desired by the Management.
 Provision of MIS to the Chief Internal Auditor periodically.
Zarai Taraqiati Bank Limited, Head Office, Islamabad
Duration: March-2007 to May 2008
Job Title: Senior Officer (Finance & Accounts Division)
Worked in Finance & Accounts Division at Head Office, I was directly reporting to Chief
Financial Officer (CFO) and assignments involved;
 Reviewed and Updated Accounts Manual in the year 2007 which was lastly updated in
May 1986.
 Supervision of Fixed Assets Unit at Head Office, Islamabad.
 Branches profitability analysis—frequency quarterly.
 Assistance in preparation of Financial Statements of the Bank.
 Assurance of compliance of Internal Audit Department Reports of the branches.

3. 3
 Liaison with Government auditors, State Bank of Pakistan Inspection Teams and External
Auditors.
 Handling all Internal and External Correspondence of the Central Accounts Department,
Head Office, Islamabad.
MCB Bank Limited, Lahore
Duration: January-2010 to January 2012
Job Title: Assistant Vice President /
Regional Compliance Officer (Lahore East & West)
Assignments involved, review of branches operations with perspective to Customers Due
Diligence (CDD)/ Enhance Due Diligence (EDD), Anti Money Laundering (AML), getting
compliance of SBP inspection reports, compliance of regulators’ policies and directives etc.
Identification of gaps in implementation of CDD/EDD/AML policies and suggestions to
eliminate the identified gaps.
Conducted training sessions on CDD/EDD, Anti Money Laundering, Account Opening,
surrendering of unclaimed deposits, liaison with SBP inspection teams, Branch Banking
operations and compliance, Compliance is my responsibility.
MCB Bank Limited, Islamabad
Duration: June-2008 to December-2009
Job Title: Assistant Vice President /
Team Leader Internal Controls
Assignments involved were to review, assess and evaluate the business processes,
procedures, policies, operations and to define associated risk and suggestions for
implementation of defined guidelines / internal controls to minimize/eliminate the risk.
 Preparation of branches review plans, guidance and supervision of staff reporting to me.
 Finalization of internal controls review reports of the branches falling under circle
jurisdiction.
 Providing guidelines to branches’ operations managers for implementation of internal
control policies for smooth running of operational activities.
 Validation of implementation of internal controls review reports of the branches falling
under circle jurisdiction.
 Preparation of special reports for special assignments in addition to normal office
working, e.g. reports on occurrence of frauds / attempts to fraud due to weak
implementation of internal controls or on account of non compliance of bank / regulator’s
policies.
MCB Bank Limited, Sialkot
Duration: January-1997 to February 2007
Job Title: Team Leader – Internal Audit
Assignments involved:
 Supervision of Internal Audit Team
 Operational Audit of bank’s branches, Management Audit of offices.
 Preparation of management information reports, branch profile.

4. 4
 Credit Department (Running Finance, Demand Finance, Export Refinance, Cash Finance,
Bank Guarantees etc.)
A. S. Sheikh & Co. (Chartered Accountants), Lahore
Duration: November-1990 to October-1994
Job Title: Supervisor/ Trainee
AUDITING
Completed and finalized the audits of various manufacturing, textile, trading and service
industries.
BOOK KEEPING
Did Book keeping work of different trading and service industries.
TAXATION
I am also Registered Income Tax Practitioner ( I.T.P.)
Being a Registered Income Tax Practitioner, I attended the offices of Deputy Commissioner
of Income Tax, Income Tax Officers, discussed and got finalized the cases of assesses clients.
My work was also included preparation and submission of Income Tax, Wealth Tax Returns,
Wealth Tax Statements, and to fulfill other requirements of the Taxation Authorities.
STATUTORY AFFAIRS
Perform the following with relation to Corporate Affairs
 Company formation and registration.
 Preparation and submission of statutory requirements of public & private limited
companies with the Registrar of Joint Stock Companies, Lahore.
Academic Qualification
 MBA-Finance from Allama Iqbal Open University, Islamabad.
 C.A. Articleship completed from A. S. Sheikh & Co. (CAs) Lahore.
 Diploma Associate Institute of Bankers Pakistan (DAIBP).
 Post Graduate Diploma in Cost & Management Accounting (PGDCMA) from University
of the Punjab, Lahore.
 Post Graduate Diploma in Islamic Banking and Finance from Skill Development
Council, Govt. of Pakistan conducted at Pakistan Institute of Modern Studies, Lahore.
 Bachelor of Commerce (B. Com) from University of the Punjab, Lahore.
Trainings, Seminars and Achievements
 Certificate of training on ―Islamic Banking and Rural Finance‖ from Al-Huda Centre
of Islamic Banking & Economics, Lahore.
 Certificate of participation in the pre-conference workshop on ―Financing and
Investment on the Basis of Contractual Musharaka (Shirkatul ‗Aqd)‖ arranged by
Riphah International University, Islamabad.
 Attended three days 4th
International Conference on Islamic Business (20-22 February,
2016) at Quaid-e-Azam Auditorium, International Islamic University, Islamabad.
 As an acknowledgement of my best performance, Zarai Taraqiati Bank Ltd (ZTBL)
awarded me with cash prize of Rs. 25,000/- during the year 2014.

5. 5
 On my exceptional performance during the year 2005, I was declared High Profile
Officer (HPO) by the MCB Bank Ltd.
 Awarded with SPOT award by MCB Bank Ltd during the month of May 2009.
 Obtained certificate upon completion of workshop on ―Anti Money Laundering and
Know Your Customers‖ conducted by ICIL (Pvt) Ltd. at Avari Towner Lahore.
 Awarded certificate by The Institute of Bankers Pakistan on successful training entitled
―Anti-Money Laundering & Know Your Customer‖.
 Completed course on ―Audit of Financing Operations—A Broader View‖ conducted
by MCB Bank Ltd, Staff College, Lahore.
 Certificate of commendation in recognition of my satisfactory completion of the course
on ―SBP (BSC) Prudential Regulations‖ conducted by MCB Bank Ltd, Staff College,
Lahore.
 Training on ―Implementation & Strengthening of Internal Controls in Banking
Operations‖ conducted by ICIL (Pvt) Limited at Sunfort Hotel, Lahore.
 Training on ―Audit Skills Training for Business Managers‖ conducted by ICIL (Pvt)
Limited at Sheraton Hotel & Towers, Karachi.
 Certified on valued participation in the workshop on ―Change Management‖ conducted
by M/s Creative Management Services, Islamabad.
 Certified for participation in the training program on ―Internal Quality Auditing‖
conducted by M/s In O’ Vative Consultants, Islamabad.
Computer Literacy
Excellent in
 Microsoft Office, Microsoft Windows, Window XP, Microsoft Excel and
 Experience to work in IT oriented environment.
 Can smoothly handle any financial system/package and Management Information System.
 Obtained 1-Week IT – Crash Training Course conducted by ZTBL, Islamabad.
Personal Age: 47 Years Marital Status: Married
Nationality: Pakistani Dependents: Six
Languages Fluent in writing and speaking English, Urdu and Punjabi