This document is a resume for Muhammed Aamir Banatwalla, an experienced senior financial executive with over 20 years of experience in banking operations, technology, risk management, compliance, and business development. He has held senior leadership roles such as Country Head of Operations and Senior Country Operations Officer at various banks in Pakistan, Algeria, and the United States, where he successfully managed multi-unit operations, ensured regulatory compliance, and drove revenue and profit growth. Currently, he works as a Supply Chain Manager and Financial Consultant, providing strategic guidance to businesses.

1. MUHAMMED AAMIR BANATWALLA SENIOR FINANCIAL
EXECUTIVE
Visionary ~ BusinessDevelopment~ Due Diligence ~ Turn-aroundManagement
713-459-2752  banat_313@yahoo.com 19910 Sonterra Ln.  Richmond, TX  77407
Accomplished, innovative senior banking professional with extensive multinational business development experience
within highly competitive markets. Cultivated extensive knowledge and hands-on experience in BankingOperations and
Technology (O&T) including Commercial Banking, Cash Management, and Consumer Banking, Branch Banking,
Operational Risk Controls, Credit Risk Management, Internal Audits, Compliance, Corporate Governance, and Business
Continuity. Analytical professional skilled in successfully navigating corporations large and small through periods of
growth. Collaborative communicator continuallyfocused on buildingrelationshipsand promotingsynergyacross diverse
businesslines and multicultural global unitsto drive positive change, cohesive, comprehensive businessapproaches and
enhanced profitability. Areas of Expertise include:
 Systems Implementation
 Customer Service Management
 Multi-Unit Operations Management
 Institutional/Regulatory Compliance
 Revenue & Profit Growth
 Business Continuity
 Business Development  Operational Risk Governance  Compliance
 Internal Auditing
 Risk Analysis & Management
 Fraud Prevention/Credit RiskControls
 IT Security and IT Management
 Problem Resolution
 Internal Controls
EXPERIENCE & NOTABLE CONTRIBUTIONS
M.A. BAKALI INC Houston, TX  2015 - Present
SUPPLY CHAIN MANAGER
Storewide supplychain management of around 12 Cell Phone Stores in Houston. Also conductingperiodic inventory
control checks along with ensuringcompliance with cityregulationsand franchisee policies in the franchised stores.
Periodic collection of cash and other salesreports/ updates. Effective management ofphysical inventorywith system
control. Process reviews of the stores management thusIdentifyingareas of improvement byfostering additional
controls, where required.
Key Accomplishment:
 Streamlined inventorymanagement ofall stores thuscontained inventory loss.
 Introduced effective controls to ensure meticulouscompliance with the State regulationsand the Franchisee
policies.
 Identified areasof improvement for improvingmanagement level oversight.
SELF EMPLOYED  Houston, TX  2013 - Present
FINANCIAL CONSULTANT
Collaborate with businessowners of a beautysalon with few retail outletsand a cell phone businesswith ten retail outlets
and two corporate stores to provide leadership and guidance in settingup bank accounts, screening, hiring, and training
employees,and managingpayroll. Coordinate with CPA to report and file tax returns. Finalize lease rental documentation
and agreementswith all stakeholders. Manage and direct supplychain and audit retail outletstooversee inventorycontrol
and verify compliance with Texas Department of Licensing and Regulation (TDLR) and franchisee.
KEY ACCOMPLISHMENT:
 Successfully introduced consistent inventory database across all stores, establishing robust inventory controls to
contain loss prevention within approved risk area.
 Trained and mentor staff to ensure effective compliance with tax and other regulatory controls required for
exceptional customer management.

2. MUHAMMED AAMIR BANATWALLA CV 2
 Coordinate with CPA to ensure timelytax reporting to IRS and personnel reporting to Texas Workforce Commission.
MONDELEZ INTERNATIONAL, INC.  Houston, TX  2014 - Present
SALES SERVICE REPRESENTATIVE
Pursue and close sales at grocery stores within assigned territory, coordinating with store management to deliver and
stock productsto meet customer demand. Liaise with store managersto design and launch extended displaysto promote
specific products, increase visibility, and improve sales.
KEY ACCOMPLISHMENT:
 Maintain and increase client retention by providingexceptional client service through anticipatingneedsand offering
support, suggestions, and expertise on all products.
CITIBANK N.A.  Algiers, Algeria  2012 - 2013
SENIOR COUNTRY OPERATIONS OFFICER
Directed successful settlement of foreign exchange, including commercial/retail bankingtransactions, by ensuringstrict
compliance with Domiciliation process control and correct foreign exchange reporting/filing of exchange returns.
Managed all banking operations that included cash management, commercial banking (foreign trade, loans, guarantees,
SBLC), market/treasury operations, customer account documentations, A/C payables, internal controls, technology
regulatory reporting, vendor management, business continuity, and safety and security. Led due diligence of bank
guarantees and customs bond portfolio to ensure compliance with regulatory controls.
KEY ACCOMPLISHMENTS:
 Collaborated with team to recover a $1M claim wrongly settled in the bank guarantee.
 Managed portfolio of foreign trade and remittances valued at ~$1B with revenues of $100M+.
 Created remote backup site to ensure businesscontinuity; prepared and integrated COB plan coveringall businesses;
tested and implemented plans for all core business processes.
 Streamlined bank expenses by improving booking accuracy, writing off obsolete books and overdue expenses, and
incorporating effective MIS following bank-defined accounting standards.
 Created dedicated remote COB site that included complete IT infrastructure, server rooms with bank-up links, and
replica environments to maintain continuity of core business processes.
SAMBA BANK PAKISTAN LIMITED  Karachi, Pakistan  2011 – 2012
COUNTRY HEAD OF OPERATIONS
Oversaw countrywide operationsof 28 branchesand 200+ staff, ensuringsmooth, efficient trade, treasury, consumer, and
branch operations, phone banking, cash management services, customer service and quality, internal controls, and
information technology.
KEY ACCOMPLISHMENT:
 Stabilized and restructured organization by filling long-term vacancies in key banking positions and removed
redundancies in processes to improve efficiency, keep compliance, and remain customer-centric.
DUBAI ISLAMIC BANK PAKISTAN LIMITED  Karachi, Pakistan  2005 – 2011
COUNTRY HEAD OF OPERATIONS (2009 – 2011)
Utilized extensive banking operation background and successful governance fostering robust internal controls and risk-
oriented approaches in credit risk management to direct oversight for 52 branches and ~230 staff. Drove aggressive
growth by reorganizingkey operational areas,centralizingprocessesat head office level, providingadequate staffing, and
automating processes when possible. Assisted customers with improving collection drive by streamlining processes to
increase float income and generate MIS for timely revenue recognition. Electronically archived critical documents and
performed Annual Documentation Review (ADR) to minimize risk of document loss.
KEY ACCOMPLISHMENTS:
 Recovered ~$5M through effective credit card reconciliation on 5-year-old outstandingbalanceswith member bank.
 Reduced headcount costs 20% by introducing and executing hub and spoke model to increase effective middle
management oversight with shared responsibilities and ownership and streamline branch operations.
 Guided process reengineering and provided increased staff training to ensure compliance with Sharia standard s.
 Collaborated with trade team to implement a new system that included trade engine module, capturingforeign trade
and commercial loans under Islamic modules, and performance (SBLC) and custom bonds.

3. MUHAMMED AAMIR BANATWALLA CV 3
 Instrumental in identifyingand implementingkey regulatory, institutional, and internal controls to improve control-
level oversight by senior management.
 Improved bench strength by addingfive staff at key operational areas and introducinghub and spoke model creating
cluster and regional head positions to senior-most experienced and responsible staff to increase efficiencies in cycle
processingtimes,document approvals,large ticket item transactions, expense reduction, and processstandardization.
COUNTRY COMPLIANCE & INFORMATION SECURITY HEAD (2005 –2009)
Performed a focused evaluation on control and compliance of modulesrequired for core banking system. Developed and
implemented country compliance program and KYC/AML and Terrorist Financing manual. Organized compliance grids
for banking regulations and institutional controls, performed gap analysis, and addressed concerns through process
reengineering. Evaluated and implementedAML system solution to more effectivelymonitor customer account activities.
Planned, tested, and implemented COB plan to ensure containment of critical businessprocesses. Managed oversight for
effective banking control in information risk areas coordinating support of new system applications among departments
to identify and minimize IT risks.
KEY ACCOMPLISHMENTS:
 Instrumental in contributingtoend-to-end processofbanklaunch, liaisingwith central bank, Securitiesand Exchange
Commission and other regulatory authorities to ensure meticulous compliance with regulatory controls.
 Collaborated with team to establish Fraud Risk Management Unit (FRMU) to finalize fraud risk policies and identify
key alertstoprovide updateson fraud EarlyWarningSystem (FEWS), instill effective fraud riskperimeter,and contain
potential fraud attempts in consumer banking, including auto loans, mortgages, and debit cards.
 Spearheaded Institutional Risk Assessment Framework (IRAF) in line with central bank requirements collaborating
with businessesto ensure compliance, identifygaps with corrective plansvia the SMART approach, and presentingto
the board for approval prior to submission.
 Prepared Risk Control Self-Assessment (RCSA) matrices in coordination with all businesses and support functions;
assigned Product Control Function Checklists (PCFC) and Department Control Function Checklists (DCFC) to
department level management to ensure accountability and ownership at all levels.
 Collaborated with IT team in head office to identify and implement core banking system Flexcube, leading team to
finalize system modules for banking operations, operation risk controls, and compliance.
 Identified and implemented Norkom AML system for effective customer account monitoring to identify and counter
money laundering and terrorist finance activity.
 Earned five years of Satisfactory Rating during central bank inspection by embedding compliance grids to increase
effective monitoring, introducing quarterly Risk Control Self Assessments (RCSA) at business and branch levels for
increased level oversight, introducing Quarterly Management Awareness Red Flags (MARF) reporting process to
identify potential issues in RCSA or internal control review processes.
CITIBANK N.A.  Rawalpindi & Karachi, Pakistan  1999 - 2005
HEAD OF QUALITY ASSURANCE UNIT – KARACHI | INTERNAL AUDIT (2005)
Fostered effective bankingcontrolsand managed compliance controlsover institutional and regulatorycontrols.Designed
and implemented audit plan that included balance sheet, fraud and operation risks control, and product and service
reviews.
KEY ACCOMPLISHMENTS:
 Coordinated self-assessment processbydesigningRCSA/compliance gridsfor existingbusinesses and developed risk-
based controls for new business initiatives and product launches.
 Monitored KYC control effectiveness, identified AML reports for large value or frequent funds movement to flag
layering and/or fund integration for potential reporting of suspicious transactions to ensure compliance with
mandated US and local policies and requirements.
BRANCH MANAGER - RAWALPINDI (2003 – 2005)
Leveraged cross-selling opportunities by increasing consumer asset portfolio valued at US$50M of 4000+ active
customers. Identified and resolved operational risks to reduce fraud and operational losses and successfully managed
Audit Risk Review (ARR).
KEY ACCOMPLISHMENTS:
 Led team in driving exceptional growth PKR 1B in branch portfolio and increased revenue.
 Utilized smart-spend approach and strategic vendor and fleet management to streamline procurement process.
 Improved branch audit rating from Marginal to Satisfactory by introducing enhanced banking controls and more
effective monitoring.

4. MUHAMMED AAMIR BANATWALLA CV 4
LEAD AUDITOR QAU CONSUMER & CORPORATE BANK (1999 – 2003)
Evaluated effectiveness of banking controls over operational risks within all business propositions and processes by
following RCSA program, augmentingadditional processreviews, and utilizingriskmatricesto ensure end-to-end control
coverage. Evaluated risk severity by identifying gaps and designed corrective action plans to resolve all issues. Assisted
business units for supplementary controls and work-around options to ensure continuity of business processes during
upgrades and reforms.
KEY ACCOMPLISHMENTS:
 Organized annual audit plan; performed balance sheet control and risk-based reviews of consumer and corporate
businesses in securities services, treasury and treasury operations, risk management, cash management, branch
banking, and consumer credit.
 Collaborated with businesses to prepare product programs in compliance with operational policies, procedures,and
controls; developed risk-based controls for new products in development.
EDUCATION
Bachelor of Economics
UNIVERSITY OF KARACHI | Karachi, Pakistan