Sharmin Karim is a Basel III Project Leader and Financial Controller with over 11 years of experience in financial reporting, regulatory compliance, internal and external auditing, and risk management in the financial services industry. She has extensive experience preparing regulatory reports such as CCAR, Call Reports, and Basel III capital calculations. Karim received her MBA from Bryant University and currently serves as the Basel III Project Lead for Bank of the West, where she coordinates risk weighted asset reporting and ensures regulatory capital matters are appropriately managed.
A leading firm in the banking and capital markets space is looking for a CCAR and IHC reporting associate in their Jersey City, NJ office. The position will prepare and compile relevant regulatory filing documents to ensure greater controls around financial reporting.
Career Objective
To seek an organization, where I utilize my best skills and knowledge for the betterment of the organization and driving it towards prosperity
Career Profile:
Senior level executive with 14 years of extensive and diversified experience in financial management, business leadership and working with board of directors with an established record of success in significantly growing enterprise value, counting remarkable 5 years experience as Group Manager Finance with Dynamic Group of Companies, comprising of five engineering companies, namely “Dynamic Equipment & Controls (Pvt) Ltd”, “Fauz Engineering Limited”, “Integrated Construction Solutions (Pvt) Ltd”, “Dynamic Green Energy (Pvt) Ltd,” and played a leading role in the development of latest venture of the group i.e. “Dysin Automobiles Limited”.
Professional Achievements:
Initiated working on group formation, focused on reorganization and restructuring of existing companies, developed synergies amongst the top management and ultimately resulted the sense of ownership and family culture for the whole group
With the vision of growth in business and overall enterprise value, new ventures were explored and deployed which led to business diversification and new growth dimensions
Focused on growth not only in new ventures, incorporating new companies, but also worked on setting up new divisions / segments in existing business, evidencing the remarkable growth in the overall history of the group
Team building for catering the requirements of business expansion and group formation was really a challenge, deployed delegation, succession, defined scope and JDs at each level and ultimately developed “responsibility, authority and accountability syndicate”
Got the financial and management reporting aligned and put the effective controls in place at group level, deployed a centralized ERP (Oracle Based) with multi-companies common database and reporting structure
Put significant efforts in developing official communication with foreign principal companies and put in place concept of communication protocol at group level
Did a lot of work on contractual / legal arrangements with foreign principals, local vendors, customers and dealers, this was basically a drastic shift from informal / verbal cooperation arrangements to legal and contractual binding documentation
Developed culture of corporate social responsibility (CSR) in all group companies and deployed admirable social cause projects at group level
A leading firm in the banking and capital markets space is looking for a CCAR and IHC reporting associate in their Jersey City, NJ office. The position will prepare and compile relevant regulatory filing documents to ensure greater controls around financial reporting.
Career Objective
To seek an organization, where I utilize my best skills and knowledge for the betterment of the organization and driving it towards prosperity
Career Profile:
Senior level executive with 14 years of extensive and diversified experience in financial management, business leadership and working with board of directors with an established record of success in significantly growing enterprise value, counting remarkable 5 years experience as Group Manager Finance with Dynamic Group of Companies, comprising of five engineering companies, namely “Dynamic Equipment & Controls (Pvt) Ltd”, “Fauz Engineering Limited”, “Integrated Construction Solutions (Pvt) Ltd”, “Dynamic Green Energy (Pvt) Ltd,” and played a leading role in the development of latest venture of the group i.e. “Dysin Automobiles Limited”.
Professional Achievements:
Initiated working on group formation, focused on reorganization and restructuring of existing companies, developed synergies amongst the top management and ultimately resulted the sense of ownership and family culture for the whole group
With the vision of growth in business and overall enterprise value, new ventures were explored and deployed which led to business diversification and new growth dimensions
Focused on growth not only in new ventures, incorporating new companies, but also worked on setting up new divisions / segments in existing business, evidencing the remarkable growth in the overall history of the group
Team building for catering the requirements of business expansion and group formation was really a challenge, deployed delegation, succession, defined scope and JDs at each level and ultimately developed “responsibility, authority and accountability syndicate”
Got the financial and management reporting aligned and put the effective controls in place at group level, deployed a centralized ERP (Oracle Based) with multi-companies common database and reporting structure
Put significant efforts in developing official communication with foreign principal companies and put in place concept of communication protocol at group level
Did a lot of work on contractual / legal arrangements with foreign principals, local vendors, customers and dealers, this was basically a drastic shift from informal / verbal cooperation arrangements to legal and contractual binding documentation
Developed culture of corporate social responsibility (CSR) in all group companies and deployed admirable social cause projects at group level
Current & Emerging Accounting Developments presented by McGladrey - AICPA Nat...Brian Marshall
McGladrey & Pullen Presentation (Rick Day & Brian Marshall) on Current & Emerging Accounting Developments at the June 2011 AICPA National Audit Committee Forum
1. SHARMIN KARIM
McDonald, PA 15057 +1-704--962--0703(cell) ekarim288@gmail.com https://www.linkedin.com/in/sharminkarim1
CAPABILITIES /EXPERTISE
• Financial Analysis &
Regulatory Reporting
• Bas el I II R ul es
&R eg ul ati on
• CC AR R e po rti ng
• 14M/ 14 A/ 14Q
Re p ort
• FRY 031, FRY 041, FRY 9C
(Call Reports), FFEIC 101
• RW A , Ri sk B as e d
Ca pi tal &L ev era g e
Rati o Cal c ul ati o n
• Ri sk Ma na g e me nt
& Ri s k A ss es s m en t
• BSA/AML/OFAC
• SOX Compliance
• CIP/KYC Regulation
• KPI & KRI
• Internal Control Testing
• RCSA Matrix
• GAAP Accounting Policies
• Corporate, Non Profit &
Individual Taxation
• Forecasting & Budgeting
• Variance & Trend Analysis
• S e n i o r
M a n a g e m e n t
P r e s e n t a t i o n
• Project Management
INDUSTRIES
Financial Services
Public Accounting Firms
Non-Profit Organization
EDUCATION
Bachelor of Business
Administration with Honor,
UNIVERSITY OF HARTFORD,
BARNEY SCHOOL OF BUSINESS,
1997 –1999.
Master of Business
Administration; Bryant
University, FACULTY OF
BUSINESS, 2000—2002.
LANGUAGES
English, Bangla, Urdu, and Hindi.
BASEL III PROJECT LEADER /FINANCIAL CONTROLLER/ INTERNAL & EXTERNAL AUDITOR
A results-oriented individual with demonstrated success as a solutions provider and financial controller.
CAREER PROFILE
Project leader and Financial controller with 11 years of banking experience in Financial & Regulatory
Reporting, Internal Audit within Retail Operation, BSA/AML Compliance and SOX Compliance, various banking
products, businesses, accounting practices and policies. Authorized to work in the US.
EMPLOYMENT SUMMARY
2014 – 2015 Bank of the West Basel III Project Lead, Financial Reporting
2012 – 2014 BNY Mellon Financial Controller III, Financial & Regulatory Reporting
2010 – 2012 PNC Bank Senior Auditor, BSA/AML Compliance Audit Team
2007 – 2010 Wachovia (A Wells Fargo Company) Senior Auditor, Retail Operations Audit Team
2005 – 2007 GRANT THORNTON LLP Tax Associate, Corporate Taxation & External Audit
2004– 2004 Community in School, Staff Accountant
Non-Profit Organization
2001 – 2003 LGC&D, Accounting Firm Associate Auditor
1999 – 2001 Fleet Boston Financial Processor, Wholesale Lockbox
PROFESSIONAL EXPERIENCE
Bank of the West, San Ramon, CA
Basel III Project Lead, Financial Reporting July, 2014 – Current.
Serving as primary coordinator for risk weighted assets reporting for relevant financial and regulatory work
streams & primary subject matter expert for Basel III regulatory capital rules.
• Collaborating on IHC wide initiatives by providing Basel III expertise and ensuring that risk-based capital
matters are appropriately managed: partner with business units, support units, IHC PMO and other IHC
team members to ensure that responsible parties are able to provide data required in the Basel III capital
calculations
• Serving as primary coordinator for Basel III sub work stream, leveraging the help of project manager(s)
including confirming and prioritizing deliverables; provide clear vision of the objectives & deliverables,
sequencing of the initiatives, interdependencies with other sub-work stream / projects
• Preparing and updating Basel III Pro-Forma and all supporting documentation outlining risk weighted
assets requirements that can be used as a foundation for each group
• Assisting in establishing internal controls around Basel III regulatory capital reporting
• Collaborating with market risk Basel III team members to ensure that there is an overall understanding of
how that risk is reflected in the risk-based capital and leverage ratios
• Participating in industry trade working groups on behalf of BNPP’s IHC
• Maintaining a thorough understanding of Basel III capital requirements
• Performing other ad-hoc and ongoing business support duties as assigned.
BNY Mellon, Pittsburgh, PA May, 2012 – June, 2014
Financial Controller III, Basel II & III Reporting Team
Responsible for working with the manager of Basel reporting and other analysts in the preparation of data
and analytics to support all components of the company's Basel filings and related disclosures. Responsible for
directing, managing, and monitoring processes used to gather data required to complete Basel filings in an
accurate and timely manner.
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2. SHARMIN KARIM
McDonald, PA 15057 +1-704--962--0703(cell) ekarim288@gmail.com https://www.linkedin.com/in/sharminkarim1
PROFESSIONAL EXPERIENCE CONTINUED
• Prepared executive summaries as well as targeted detail product/exposure analyses for internal senior management.
• Took key initiatives to identify data gaps and potential areas of improvement in report preparation process for Basel compliance.
• Conducted financial research, data gathering, planning, measurement, review and analysis of new regulatory proposals.
• Identified, escalated and communicates meaningful high priority regulatory issues to management as part of the reporting process and
suggested options to address and remediate.
• Participated in Basel-based special projects as a subject matter expert.
• Completed professional trainings on various regulatory reports, such as, FFEIC 101, FRY 14M/A/Q, FRY 10, FRY 031, FRY 041, FRY 9C (Call
Reports), CCAR Reporting etc.
PNC Bank, Pittsburgh, PA April, 2010 – May, 2012
Senior Auditor, BSA/AML Compliance Audit Team
Planned, coordinated and executed Bank Secrecy Act (BSA)/Anti-Money-Laundering (AML)/Office of Foreign Asset Control (OFAC) compliance audits
projects for entire PNC bank. Had overall responsibility for BSA/AML program as well as overseeing Customer Identification Program (CIP) “Know your
Customer" (KYC), and OFAC regulations. Performed BSA/AML risk assessment and managed suspicious activity reporting program for various business
units within the bank.
• Interpreted the results of audit work performed, determining internal control weaknesses and communicating potential audit issue with
constructive recommendations to the business units’ senior management.
• Identified and monitored high-risk, cash-intensive, and exempt customers by overseeing BSA investigations and BSA/AML monitoring
program.
• Implemented improvements to regulatory and BSA/AML policies and procedures.
• Coordinated with Federal and State regulatory examiners and external auditors during examination and related regulatory reviews.
WACHOVIA (A WELLS FARGO COMPANY), Charlotte, NC February, 2007 – April, 2010
Senior Auditor, Retail Operations Audit Team
Performed operational and compliance audits including risk assessment to assess adequate and effective internal controls, including compliance with
SOX 404, BSA/AML/OFAC regulations, BASEL I & II Rules and overall corporate guidance.
• Completed testing for 9-10 audit projects per year. Assisted with training new and lower level auditors.
• Provided recommendations / suggestions to the business partners for improving internal control systems across the operations which
decreased operational risk and increased their sales revenue by 4%.
• Proactively identified operational control deficiencies which had contributed to the bank’s operational loss and suggested revisions that
resulted in a reduction of losses.
• Implemented innovative audit standards, policies, and procedures for an audit database created for new and existing business lines /
operations resulted in a successful integration of two audit teams after a merger. Used ACE and WIN Audit Databases.
• Provided feedback to senior management, recommending best practice standards for future implementation which would result in
improved audit efficiency.
GRANT THORNTON LLP, Charlotte, NC January, 2006 – February, 2007
Tax Associate, Corporate Taxation
Prepared corporate and trust returns; Prepared tax compliance and provided tax consulting services for individuals and businesses. Researched new /
controversial tax issues and implemented polices / procedures to ensure compliance. Updated tax manual and created web-based intranet tax training
modules.
COMPUTERSKILLS
• Microsoft Office Suite (Word, Excel, PowerPoint, Outlook), Project, Visio
• Windows (XP, 7, 8) and Mac OS X (10.9.5)
• PeopleSoft, HFM, Black-line, CAAT, ACL, Lotus Nodes
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