1. Manager
Ahlan Banking Services (Corporate Customer Support), CBD
Dubai Islamic Bank, Dubai, U.A.E
P.O Box 1080, Dubai / Mobile: +97150-5690367 / E-mail:masumrabbani2010@hotmail.com
OBJECTIVE & GOAL :
Pursue a career with courage and conviction with a reputed organization in the functional area of banking where my skills and
knowledge acquired from my long banking experiences can be utilized to the maximum. Willing to work as a key player in
challenging and creative environment and thus contribute to the development of the organization and enhance myself. As an
operation’s executive, I would like to bring a focus on quality and ease of use to system development. I believe I possess excellent
interpersonal presentation, communication, negotiation, personal and project management skills that I have fine-tuned dealing with
variety of people culturally, religiously.
Presently working in Dubai Islamic Bank in Ahlan Banking Services, Corporate Banking. Prior was in Funds Transfer & Cash
Management Operations as Unit Head. With regard to the requirement for operations experiences, I am certified ( CMSA – Standard
Chartered Bank ) with over twenty years of experiences as a Banking Professional especially in Service Delivery Unit like Banking
Operations, Remittances, Personal Financial Consultant, Communication Unit, Automation Projects , Cash Management Operations
where I obtained in-depth exposure to all type of payment services and related various projects including Operation Process Re-
engineering and Automation System in GBO. All these years in my Banking career I have worked in as associates, senior officer
and mid management and managerial positions. As an experienced banking professional, I would like to work in Senior
Management position i.e AVP / VP level in a reputed bank (nationalized or foreign) especially in operations or corporate customer
service areas. I would be making use of my past 20 plus years of experiences in performing the managerial work at its best.
SPECIALITIES / SKILLS / EXPERTISE / CORE COMPETENCIES &STRENGTHS:
• Process Re-engineering and Automation System in GBO, RBO
• Individual Control establishment and KRI in General Banking , Cash Management Operations and Online Back Office
• SWIFT / STP / UAEFTS / CBFTS / REMITTANCE system and process.
• PFC
• Individual control establishment and ORMS monitoring
• AML
• Auditing ( internal / external )
• Core Banking
• Correspondent Banking / Internet Banking & Remittances
• Project Management
• Knowledge of the Banking Industry & Financial Markets
• Strong commitment to service excellence persuasive and strong follow-up
• Strong Analytical and Problem solving skills
• Self-Driven, Disciplined and Punctual and Focused on long term vision.
• Cross functional Relationship Management skills
• Excellent Administrative and Organizational skills
• Highly self-motivated and focused on objectives
• Persuasive and Strong Follow-up
pg. 1

2. • Good understanding on SCB and DIB CMO products and operational processes and systems
• Excellent inter-personal, people management skills energetic team leader, able to communicate effectively with people.
• Can work under stress and ensure deliverables
• Can offer advisory services to customers in the most effective way of transferring funds in various channels.
• Well versant of implementing operation/business process re-engineering and automation system
• Very adept at conceptualizing / strategizing and implementing operation plans
• Correspondent Banking
• General Banking Operations (
• Cash Management Operations – Back Office.
• Operational Risk Management
CAREER HISTORY:
Company Designation/Post(Years) Location
Dubai Islamic Bank, Dubai. Manager – Ahlan Banking Services ( Corporate customer service
Unit ) – (02/07/2014- to date )
Dubai
Dubai Islamic Bank, Dubai. Asst. Manager and Unit Head, Funds Transfer Dept. Project
Manager-Automation System (Remittance Unit), OIC - Cash
Management Online Banking Operations.( 02/08/05- 01/06/2014)
Dubai / Sharjah
Standard Chartered Bank
Dubai
Asst Manager – Cash Mgmt Ops
(2001/2002- 01/08/2005).
Dubai
Standard Chartered Bank
Dubai
Senior .Supervisor and Relief Officer –Cash Mgmt Ops (04/97-
12/01/2001).
Dubai
Standard Chartered Bank
Dhaka
Senior Processor I – Payment Services
( 04/94 – 03/97 )
Dhaka, Bangladesh
Standard Chartered Bank
Dhaka
Personal Financial Consultant
Consumer Banking
(04/94 – 03/97-- total 8 months in between)
Dhaka, Bangladesh
MAJOR PROJECT INVOLVEMENTS in last 20 years Career
• Opal and Dot.Net Opal
• EBBS (for FT Operations)
• ANZ Grind lays Acquisition – Remittances
• Y 2k
• Safe Watch and NORKOM Transaction Surveillance (for Funds Transfers thru paper drop / online )
• CMS in Remittance
• Implemented First Pass and 2nd
Pass error in system as a part of Six Sigma.
• MT940/950 rolled out
• Centralization of funds transfers for some units of the Bank.
• Online Banking
• Development and rolled out of new MT202
• System base TT reconciliation ( Remittance )
• Migration of Remittance system to Core based.
• Affluent Banking charges set up
pg. 2

3. • Online Bulk cheque printing
• Value added projects in Communication Unit
• Implementation and automation of various processes in the funds transfer unit and Ahlan Banking Service.
PROFESSIONAL EXPERIENCE & ACHIVEMENTS IN DETAILED:
MANAGER at Dubai Islamic Bank
July 2014 - Till Date
• Corporate Customer Service plan.
• Organize and develop departmental activities to ensure that quality & timely services are provided to bank's customers.
• Identify and execute process re-engineering opportunities for cost savings, improved controls and efficient customer
service delivery.
• Maintain control over day to day operations to ensure that the banks policies, operational guidelines and key controls are
duly adhered to by the assigned team.
• Maintain relationship with business units / branches etc .
• Identify and implement the revenue opportunities for increasing the profitability of the bank by maximizing the productivity
of the teams and ensuring that efficient and high quality service is provided to our valued customers.
• Meet service standards as agreed with the business divisions and arrange improvement based on the business feedback
index from the customer.
• Identify process that can be automated and liaise with IT to eliminate any bottleneck in processing. Uses technology as a
preferred solution except for those areas where customer services are impacted.
• All Operational service related issues which can and which may result in losses and effect values of the bank must be
immediately highlighted to HOCM.
• Maximize profitability by ensuring operations are carried out with the maximum efficiency, security, control and that
service is provided to both internal and external customers in accordance with agreed service standards.
• Provide monthly unit MIS reports to Head and facilitate the availability for their portfolio management.
• Ensuring that activities are performed as per Service Level Agreement between business and Central operations.
• Ensure control is in place for tracking of any processing errors leading to service issues for creating smooth and error free
work environment for the teams.
• Provide advisory and consultant services to business units.
ASST. MANAGER at Dubai Islamic Bank
Jan 2009 – Mid July 2014 :
• Enquiry system module launched.
• Standing Order tracking sheet.
• Excel MIS for Investigation desk.
• Swift enquiry access to Branch staffs.
• Correspondent charges upfront.
• Online bulk cheque printing enhancement.
• MT 110 auto swift.
• Development of MT202 with details.
• Stop bulk salaries from ETA and switch over to bulk salary system.
• Manual entries process switch over to batch upload in core system.
• Automation of Complaint Tracking system
• Ensure early identification and escalation of risks, issues
• Understanding the key audit issues and approach to close on or before TD
• Ensure adequate operational and technology policies are developed and communicated and that control standards
are in place.
• Maintained efficient control over GL and Nostro accounts
• Ensured efficient control over Anti-Money Laundering and Sanctions procedures
pg. 3

4. • Solidify customer retention efforts by providing a superior level of customer service and generates additional
revenue.
• Actively involved in both Corporate and Retail Banking Online UATS with IT project team .
• Managing a team size of 10-15 staffs in the Unit.
OIC – COMMUNICATION AND ONLINE BANKING OPS at Dubai Islamic Bank
Aug 2005- Dec 2009:
• Implementation of some major changes in Core Banking system in Remittance Unit.
• Implementation of MT940 1st
time in DIB.
• Participated, Implemented and rolled-out the CMS, an automated payment processing system by leading the entire
project as Project Manager.
• Assisted Corporate Banking online payment system.
• Implemented online Bankers Almanac system in Remittance Unit.
• Assisted payment processing unit to achieve highest STP rate and to get award ( elite and standard ) from JP MORGAN
CHASE.
• Assisted payment processing unit to achieve highest STP rate from BANK OF NY.
• Being one of the Security Administrator of JP ACCESS online , assisted DIB Treasury unit to monitor funds flow via online
JP reports.
• At the moment working on some various projects of retail banking operations
• Working as key resource in FT Unit under General Banking in all type of admin / control / policy & process /
documentation related matters.
ASST. MANAGER at Standard Chartered Bank
1st
JAN2003 – Mid July, 2005:
• Worked in various projects related to Cash Management Ops and handled system testing on various enhancements
made for various group payments systems ( STS / OPAL / EBBS/ SWIFT ). Implementation of DOT.NET OPAL. New
payment process system.
• Management of the day to day operations for STP for UAE / OMAN/ QATAR/ KABUL.
• Proactively monitor and manage operational risk , system risk of payment products and to escalate/ highlight any potential
and actual breakdown of controls or any major issues to Senior Management including RMG unit.
• Winner of ‘Extra Mile Award’ 3 times handed by Head of PB Service Delivery GULF for exceptional performance in
Remittance and Communication Unit, SCB Dubai.
ASST. MANAGER at Standard Chartered Bank
2001 – 2003 :
• Responsible for Consumer Service Delivery (Grindlays integration), conversion of CBS to BBS and all other system
integration.
• Worked in UAE integration team. Have done UAT for BBS, for UAE operations.
• Achieved corporate and group objectives of minimizing cost in accordance to and in strict adherence to guidelines and
policies.
• Awarded by COO for Grind lays acquisition Project for Remittance Unit, SCB Dubai
• Consistently achieved and maintained and authorization accuracy rate of 98% in all transactions and earned superior
rating.
• Offered advisory services to important corporate customers in the most effective way to transferring funds.
• Assisted in positioning in Payments Processing Center as a Revenue Generator.
ASST. MANAGER at Standard Chartered Bank
pg. 4

5. 1998 – 2001 :
• Participated Implemented and rolled-out OPAL, an automated payment processing system.
• Successfully passed the CMS ( Cash Management Skills Assessment Test ) organized and approved by Global
Standard Chartered Bank.
ASST. MANAGER at Standard Chartered Bank
1996 – 1998:
• Worked as a key resource from CMO Ops Dubai on Y2K and ISO Audit.
• Closely worked with Manager and Senior Manager in Payments Operations to meet the overall departmental objectives
and remained as a focal point in absence of them.
Senior Associates – Remittance / PFC at Standard Chartered Bank
1994 – 1996:
• ‘Streamline all Local KCSAs’ according to appropriate KCS, KCSA, Control Measures and frequency and assure timely
performance
• ‘Consolidated Database for all Risk toolkits’ (e.g. KCS, KRI, Complaints, Audit Findings, Operational Loss Events and
Operational Risk Issues, etc.) to have a prompt to RMG Unit.
• Developed and rolled-out Process Guides for Remittance Dept in SCB Dhaka, Bangladesh.
• Achieved satisfactory audit rating (by Group Audit) of 2 for Payment Services and PFC Dept
• Assist in Achieving ‘Satisfactory’ rating in Group Internal Audit (GIA
MAJOR PROGRAMMES ATTENDED IN STANDARD CHARTERED & DIB
• Documentary Credit Program - SCB Dhaka, Bangladesh.
• Managing Quality Customer Service - SCB Dhaka, Bangladesh.
• Foreign Exchange Management - SCB Dhaka, Bangladesh.
• Basic Course on Accounting and Exchange Rate Valuation - SCB Dhaka, Bangladesh.
**********
• Risk Management - 2 days workshop – SCB, Dubai.
• A day training on “Customer Charter”- ‘How to ensure quality service to customers’- SCB, Dubai
• Key Group Compliance Policies - trained by Head - Training, Compliance & Assurance, Standard Chartered Bank,
India & South Asia) – SCB, Dubai
• Successfully Completed the ‘First Line Management Development Programme’- SCB, Dubai.
• Money Laundering Workshop – SCB, Dubai
• Customer WOW for the front line - SCB Dubai, UAE.
• Business Implementation Seminar --- SCOPE INTL, CHENNAI,INDIA
**********
• Anti-Money Laundering advanced course – DIB, Dubai,
• Road Show RMA – DIB, Dubai.
• Intelligent Leadership skills – DIB, Dubai,
• Coaching and Mentoring – DIB, Dubai,
• Negotiation Skills and Behavior Analysis – DIB, Dubai,
• Project Management – DIB, Dubai.
• Effecting Leadership Skills – DIB, Dubai.
• Stress Management – DIB, Dubai
• Relationship Manager Skills – DC GARDENER- DIB Dubai.
pg. 5

6. • Basic Managerial Skills (Class Seven) – DIB Dubai.
• Risk Management – DIB Dubai.
• Leading with Emotional Intelligence – DIB Dubai.
MAJOR PROGRAMMES ATTENDED EXTERNAL
• “SWIFT – Guidelines & Usage” - Network training by consultants from Singapore in Dubai, UAE.
• Lotus Notes, Ms Excel, Ms Power point Training – New Horizon Inst, Dubai, UAE.
• Value at Risk Models training – EBDI, Sharjah, UAE.
• Financial Crimes & Enforcement under AML (Class Four) EIBFS, Dubai, UAE.
EDUCATIONAL AND CREDTENTIALS:
• Masters of Social Science,(Political Science)
(1991)
Secured 2nd
Class
Dhaka University, Bangladesh
• Bachelor of Social Science,(Political Science)
(1990)
Secured 2nd
Class
Dhaka University, Bangladesh
• Professional Qualifications: Successfully passed CMSAT (Cash management Skills Assessment Test)
organized and approved by Global Standard Chartered Bank.
• Diploma in Advanced Computer from NCC, Dhaka, Bangladesh
PERSONAL DETAILS
Date of Birth: 28th
November, 1966
Nationality: Bangladeshi
Father’s Name: Al Haj Syed Uddin Ahmed
Ethnic Group: Asian
Religion: Islam (Sunni)
Marital Status: Married
LINGUISTIC SKILLS
English – Fluent in both written and oral communications
Bengali – Native
Hindi – Can communicate well.
Arabic – Modest
pg. 6

7. • Basic Managerial Skills (Class Seven) – DIB Dubai.
• Risk Management – DIB Dubai.
• Leading with Emotional Intelligence – DIB Dubai.
MAJOR PROGRAMMES ATTENDED EXTERNAL
• “SWIFT – Guidelines & Usage” - Network training by consultants from Singapore in Dubai, UAE.
• Lotus Notes, Ms Excel, Ms Power point Training – New Horizon Inst, Dubai, UAE.
• Value at Risk Models training – EBDI, Sharjah, UAE.
• Financial Crimes & Enforcement under AML (Class Four) EIBFS, Dubai, UAE.
EDUCATIONAL AND CREDTENTIALS:
• Masters of Social Science,(Political Science)
(1991)
Secured 2nd
Class
Dhaka University, Bangladesh
• Bachelor of Social Science,(Political Science)
(1990)
Secured 2nd
Class
Dhaka University, Bangladesh
• Professional Qualifications: Successfully passed CMSAT (Cash management Skills Assessment Test)
organized and approved by Global Standard Chartered Bank.
• Diploma in Advanced Computer from NCC, Dhaka, Bangladesh
PERSONAL DETAILS
Date of Birth: 28th
November, 1966
Nationality: Bangladeshi
Father’s Name: Al Haj Syed Uddin Ahmed
Ethnic Group: Asian
Religion: Islam (Sunni)
Marital Status: Married
LINGUISTIC SKILLS
English – Fluent in both written and oral communications
Bengali – Native
Hindi – Can communicate well.
Arabic – Modest
pg. 6