ZULFIQAR ALI
Convocation Year: 2026
Email: zulfiqarali11049@gmail.com
Contact: 03432550030
Objective: Experienced Banking Manager with over 8 years of work in KYC, CDD, and Risk Management. I have worked with top banks like HBL, Soneri, and UBL. Skilled in team leadership, document verification, and compliance. Looking for a senior role to use my skills and help the organization grow.
Core Skills
Core Banking Skills KYC & CDD Specialist: Expert in Know Your Customer (KYC) and Customer Due Diligence (CDD) processes. Risk Assessment: Strong ability to analyze customer profiles and assess financial risk. AML Compliance: Experience in monitoring unusual transactions and ensuring Anti-Money Laundering compliance. Branch Operations: Knowledge of centralized clearing, cash handling, and branch queries. Technical & Regulatory Knowledge Regulatory Compliance: Proficient in SBP (State Bank of Pakistan) policies and banking SOPs. Quality Assurance: Experience in auditing files, resolving discrepancies, and handling regulatory investigations. Banking Systems: Hands-on experience with banking software like CAPS and EDMS. Soft Skills Team Leadership: Proven ability to manage teams and prioritize workloads. Conflict Management: Skilled in resolving issues and handling internal/external queries. Attention to Detail: Focused on accuracy in documentation and data entry. Communication: Strong verbal and written communication for client and branch coordination.
Experience
Habib Bank Limited (HBL) | Manager Band-I (KYC Preprocessor) Karachi, Sindh • 07/2022 – Present Monitor client activity and analyze business relationships to detect unusual transactions. Manage special assignments and provide guidance to branches on KYC queries. Lead team operations while handling multiple priorities effectively. Soneri Bank Limited | CDD Analyst (OG-II) Karachi, Sindh • 05/2021 – 07/2022 Performed due diligence and analytical risk assessments for existing clients. Verified KYC documentation and coordinated with branches to update customer files. UBL Head Office | Senior KYC Quality Assurance Officer Karachi, Sindh • 01/2020 – 05/2021 Revalidated discrepancies and ensured correct data marking in CAPS & EDMS systems. Ensured team compliance with bank Circulars & SOPs while meeting daily targets. UBL Head Office | KYC Quality Assurance Officer Karachi, Sindh • 01/2019 – 12/2019 Managed the KYC QA team workload and prioritized tasks to meet objectives. Acted as the focal point for internal audits and regulatory investigations. UBL Bank | Chief Teller & Universal Teller Karachi, Sindh • 06/2015 – 12/2018 Handled centralized clearing, regulatory compliance, and cash operations. Ensured strict adherence to SBP cash handling policies and delivered prompt customer service.
Qualification Details
on: University of Karachi Year of Graduation: 2014 RELEVANT SKILLS Conflict Management Detail Oriented Communication Keep Updated Problem Solving Performing the due diligence of clients, requesting the KYC information, documentation, review and verification of received documentation and making an analytical risk assessment of existing clients. Maintain continuous contact with branches in order to keep customer file updated. Soneri Bank Limited–CDD Analyst (OG-II) Karachi, Sindh • 05/2021 – 07/2022 PERSONAL INFORMATION FATHER NAME: ALI NAQI RELIGION: ISLAM DOMICILE : SKARDU BALTISTAN DATE OF BIRTH: 09TH JAN 1994 MARITAL STATUS: MARRIED NATIONALITY: PAKISTANI CNIC: 42101-4944837-9 Master of Business Administration Institution: Ilma University Year of Master: In Process