This document contains a summary of Muhammad Kamran Ayub's professional qualifications and experience. He has over 15 years of experience in the banking sector, having worked at Summit Bank, Atlas Bank, MCB Bank, and Standard Chartered Bank in roles such as Manager, Team Leader, Process Manager, and Clearing Officer. He holds a B.E. in Information Technology from Hamdard Institute of Information Technology.

1. Muhammad Kamran Ayub
Address: A-235, Block No 03, Gulshan-E-Iqbal. Karachi- 75300
Phone (Res): 92-021-34966150
Mobile: 92-0300-9203782
Email: mkayub@hotmail.com
muhammad.kamran@summitbank.com.pk
Professional B.E. (Information Technology) from Hamdard Institute of Information Technology (HIIT),
Hamdard University in 2003. Major courses include:
Qualification • Management Information System
• Communication Systems
• Computer Science Fundamental
• Database Design & Implementation
• Object Oriented Programming
• Operating System Design
• Data Structure & Programming
• Internet Programming
• Software Engineering
Academic Higher Secondary Certificate from Govt. National College (1998).
Qualification Secondary School Certificate from Oxford High School (1996).
Practical Experience Worked as a Manager in Summit Bank Limited for Centralized Clearing
Department, from Jan 2011 to update.
• Inward /Outward Clearing.
• Sameday Inward/Outward Clearing.
• Intercity Inward/Outward Clearing.
• Clearing Settlement All Branches.
Worked as a Team leader in Atlas Bank Limited for Centralized Clearing &
Payments Department, Enterprize Operation from Jun 2008 to 31Dec2010.
• Inward /Outward Clearing.
• Sameday Inward/Outward Clearing.
• Intercity Inward/Outward Clearing.
• Clearing Settlement All Branches.
• TDRs/ Special Rates
Worked as a Process Manager in MCB Bank Limited for Central Processing
Division from May 2006 to Jun 2008. Central Processing Division has achieved the
landmark of Centralization of Inward Clearing, Account Maintenance, Account
Opening, Back Office Call Centre, Inward Remittance activities of Symbolized
branches of Karachi and Lahore.
• Received the Account Opening Forms From all Branches.
• To reconcile all GL account of the centralized branches.
• To manage that all inward clearing is processed within time, and all return
cheques handed over to NIFT on time.
• To ensure correct reporting to USD/PKR clearing to treasury.
• To manage that all suspense accounts are NIL at day end.
• To manage for submission of reconciliation of all accounts on time.
• To manage all respective Account opening forms processing in given TAT.
• Approvals for Call Center back office processing forms.
• Received the Account Opening Forms From all Branches.
• Scrutinized the Account Opening Forms.
Page 1 of 2

2. • Process SYMBOLS Branches Account Opening Forms in KERNEL Module.
• Generating Letter of Thanks to be sent to Customers and Introducer.
• Collect Chequebook Data from Symbols branches through web base
application & sent to NIFT through email for issuance of Chequebook.
• Received the Call Centre Forms From all Branches.
• Scrutinized the Call Centre Forms.
Worked as a Clearing Officer in Standard Chartered Bank for Item Processing unit
Clearing Department from May 2005 to May2006.
• To manage all inward / outward clearing received from NIFT.
• To manage that all inward clearing is processed within time, and all return
cheques handed over to NIFT on time.
• To ensure that all outward cheques received from branches in time for outward
submission to NIFT.
• To ensure correct reporting to USD/PKR clearing to treasury.
• To manage that all suspense accounts are NIL at day end.
• To manage for submission of reconciliation of all accounts on time.
Worked As a Customer Support Engineer in Cyber Internet Services Provider from
Jan 2005 to May 2005.
Worked As a Manager Collection in SUPERFRESH Frozen Sea Food from Feb
2004 to Jan 2005.
Worked As a Contractual Staff In Standard Chartered Bank for Cash Management
Operation Collection Department from December 2003 to January 2004.
Worked As a Contractual Staff In Standard Chartered Bank for Cash Management
Operation Inward Remittance Department from September 2003 to November
2003.
Worked As a Contractual Staff In Standard Chartered Bank for Data Conversion
from Basic Banking System (BBS) to Electronic Basic Banking System (EBBS)
from June 2003 to August 2003.
Professional Attended seminars on Internet Routing and Network Protocol, Cisco System
Development MCB Cheque Return System (CRS) automated the inward clearing cheque return.
MCB Account Maintenance System (AMS) automated the letter of Thanks (LOT).
Attended Master Training Program Symbols Deposit and BT Modules
T24 Temenos (Core banking System) used by Atlas Bank Limited.
ABII (Core Banking System) used by Atlas Bank Limited.
Hplus (Core Banking System) used by Summit Bank Limited.
IT Knowledge • Extensive use of Microsoft office as tools for the engendering of business reports,
spreadsheets, budgets, general correspondence and presentations
• Command over
Oracle
Developer 6i
SQL Server
Sql/PLSql Language
Visual Basic
ASP
Personal Date of Birth: January 25, 1978
Information Father’s name: Muhammad Ayub Qureshi
Marital Status: Married
References Available on request
Page 2 of 2