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BEHZAD RAZA
Objective
Profile ●
Experience HABIB BANK LIMITED (HBL), PAKISTAN - HEAD OFFICE (2006 to date)
Manager - II, Statutory and Policy Department
Experience Matrix:
Basel Reporting
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Financial Reporting
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● Manage statutory reporting requirements while preparing annual / quarterly financial statements of the Bank.
● Perform detailed analysis of pre-closing results.
Cell:
Email:
Skype:
LinkedIn:
Visa Status:
0509482019, 0504785667
syedbehzadraza@gmail.com
syedbehzad.raza
behzad raza
Visit Visa - One month till January 31, 2016
To excel in career by accepting challenges and using my skills in best possible way for achieving
organizational objectives.
An energetic team player, able to communicate
effectively with people of all ages and background
to work collaboratively to resolve problems and to
motivate team members to achieve personal and
organizational objectives.
● More than 9 years experience in one of the biggest Financial
Institution of Pakistan, with a proven record of productivity,
quality and integrity.
I have got 4 promotions in last 7 years.
Marked as an excellent performer in every single year.
About HBL: Habib Bank Limited (HBL) is the first ever commercial bank to be established in Pakistan in 1947. Over
the years, HBL has grown its branch network and become the largest private sector bank with over 1,600 domestic
branches and presence in more than 20 countries across the Middle East, Europe, Africa, USA and South Asia. HBL
has enjoyed a period of strong growth, improving profitability, and an increasingly solid balance sheet. Today, HBL is
the largest, most profitable, and one of the top performing banks in the country.
Impact on me: It has been the most profitable Bank of Pakistan for very many years. HBL has millions of transactions
per day which gives a great learning experience for any of the employee over here. Being in financial reporting gives
you a complete view of financial structure and its related accounting at HBL. For me, its a journey from a trainee to a
manager.
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Preparation and implementation of capital adequacy under Basel I, II and III regimes. Regular projections are
provided to the management for better decision making i.e. capital planning, raise in tier 2 capital, improvement of
asset quality, sector to focus on. etc.
Grasp over Credit, Market (interest rate, equity position & foreign exchange risk) and Operational Risk. Being able
to ascertain risk across different asset classes, building policies and framework for them and continuously
monitoring them using conventional and advanced risk technologies have become my strength.
Calculation of liquidity risk.
Conducted extensive credit "stress testing" exercise mandated by State Bank of Pakistan.
Exercise involved (a) developing correlation matrix between the state bank defined macro-economic variables and
Habib Bank NPA portfolio. (b) Identifying the highly predictive variables by using regression methodology (c)
developing the regression equation to project the Bank’s Capital adequacy and NPA ratio both under the base
case and stress scenarios. (d) Calculating the projected capital adequacy and NPA ratio of the Bank.
I am an active member in the recent ongoing implementation of Misys Fusion Risk (capital calculator) which will be
their first ever capital solution in Pakistan's banking industry. Attended BPA in Dubai with the vendors to give
proper understanding of national discretion and HBL's system structure.
Reporting to Head of Statutory / Policy. Interaction with General Manager - Financial Controller as and when
required.

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● Coordinate and control the completion of adjusting entries for various disclosures.
● Coordinator with Central Bank Inspection teams, External Auditors and Management Audits.
● Preparation of Board papers.
● PLS certification of the Bank.
● Preparation of financial statements of HBL foundation trust and arranging for its external audit.
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● General ledger monitoring and controls.
Other Reportings
● FRY 7, FRY 7Q and Capital certification to United States Federal Reserve Bank for HBL's USA branch.
● Singapore reporting under MAS regulation (Monetary authority of Singapore)
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Projects: ●
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Appraisals ● 2014 Excellent Performer.
● 2013 Excellent Performer.
● 2012 Excellent Performer.
● 2011 Excellent Performer.
● 2010 Excellent Performer.
● 2009 Excellent Performer.
Review various accounting disclosures i.e. capital adequacy, advances, deposits, surplus on revaluation of fixed
assets, contingencies and commitments, operating fixed assets, business segmentation, geographical
segmentation, currency breakdown, contingent provision, derivative instruments etc.
Review annual /quarterly accounts prepared by subsidiaries & overseas branches and to ensure compliance with
the directives.
Liaison with Other Departments, Developers, Centralized Reporting Unit to communicate day-to-day reporting
requirements.
Financial covenants for International Finance Corporation (IFC) & Asian Development Bank (ADB) including Asian
economic Policy review (AEPR).
I am an active member in the recent ongoing implementation of Misys Fusion Risk (capital calculator) which will
be their first ever capital solution in Pakistan's banking industry. Attended BPA in Dubai with the vendors to give
proper understanding of national discretion and HBL's system structure.
Participated actively in the recent disinvestment of Government of Pakistan from HBL's shareholding under the
supervision of Privatisation Commission of Pakistan (PCP). Worked on offering document in liaison with external
auditors and auditors of PCP.
Assistance in designing RCOA code based mappings and reports i.e. Balance sheet notes for the compilation of
financial statements through MISYS (core banking system of HBL).
Implementation and development of Overseas Financial Reporting system in co-ordination with THK solutions,
being used for reporting financial statements of overseas branches and subsidiaries in 24 countries including UAE
branches.
Attended various session with vendors like Loxon solutions, Algorithmic solution etc. to review their financial
offerings and match it with our reporting requirements.
Official
Trainings
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'Risk Management' by Entrepreneurship & Management Excellence Center (EMEC).
'Basel III' at Institute of Chartered Accountants of Pakistan (ICAP).
'Basel II' at State Bank of Pakistan (SBP).
'Basel III' at State Bank of Pakistan (SBP).
'Achieving Superior Service' at Learning and Development (Uplift Service Worldwide).
'Art of executive dressing' at Learning and Development.
'Fourth Dimension-Mind Power' by the Institute of Mind Sciences.

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Qualification
Other interests ●
References Will be furnished upon request.
MBA from Institute of Business Administration (IBA) in Banking & Finance with '3.4 CGPA' or 84%.
Bachelors of Commerce (B.Com) from University of Karachi in 'First Division'.
Higher Secondary Certificate (HSC) from D.J. Govt College, Karachi in 'A Grade'
Secondary School Certificate (SSC) from Little Folk's School, Karachi in 'A-1 Grade'.
Courses,
Thesis,
and Other Skills
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CCPT (Course of Computer Practical Training) from ACME Advanced College of Commerce & Management
approved by ICAP as RAET.
PSTC (Presentation Skills Training Course) from ACME Advanced College of Commerce & Management
approved by ICAP as RAET.
My acclaimed thesis / projects at IBA ensures correspondence with my job knowledge and expertise:
- Basel III - Do we have real sense and resources.
- Successful Strategic Financial Management in HBL.
- Soc Gen - Biggest Individual Market Risk Fraud in the history of Mankind.
- Restoring Ethics at Citigroup.
- How Leaders use and create networks.
Reading finance journals & articles, socializing on face book, playing video games, playing guitar, long drive,
movies and travelling etc.
Personal
Information
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Father’s Name: S. Muhammad Raza
Date of Birth: April 17, 1982
Marital Status: Single
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Languages : English & Urdu
Nationality : Pakistani
Religion : Islam