Career Opportunities at BML



Job Responsibilities:

•  Handle teller services including cash, clearing, collections, and remittances (local and foreign currency), ensuring compliance with bank policies and regulatory requirements, while addressing customer inquiries and providing service information

•  Ensure strict adherence to AML, KYC, SBP regulations, and internal SOPs, including reporting suspicious transactions, screening customers, and maintaining accurate records for audits and regulatory returns

•  Process customer transactions such as utility bill payments, funds transfers, and payment orders, while ensuring accuracy, validation, and compliance with regulatory standards

•  Manage and balance teller cash, including sorting and validating currency notes as per SBP directives, handling ATM/locker keys, and overseeing periodic cash balancing and report checking

•  Monitor and report branch suspense accounts, maintain daily cash activities checklist, update KYC records, and ensure accurate MIS reporting to Head Office, while minimizing transaction exceptions and managing cash operations

Department:

Branch Operations

Qualification:

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

1 years relevant Experience within banking industry

Skills:

•  Provide excellent customer service by efficiently handling various transactions (cash, remittances, deposits, withdrawals, etc.), resolving customer queries, and ensuring accuracy and compliance with AML, KYC, and regulatory standards

•  Ensure accurate processing of transactions, manage cash handling, verify documents, and collaborate with team members to meet branch goals while adhering to internal controls, minimizing risks, and maintaining up-to-date knowledge of banking products and services

Location:

All Pakistan

Application Deadline:

02-Mar-2025

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Job Responsibilities:

•  Oversee all transactions within assigned limits, ensuring adherence to SBP Prudential Regulations, AML & KYC policies, and the Exchange Control Manual, while ensuring customer satisfaction and minimizing complaints

•  Ensure proper handling of both local and foreign currency transactions, including cash deposits, remittances, and ATM payments, while adhering to SBP guidelines and maintaining strict vigilance against suspicious transactions

•  Manage and submit accurate regulatory reports to Head Office and SBP, ensuring compliance with OPM, APPM, CM, and ADM, and handle unclaimed Pay Orders and Demand Drafts per prescribed procedures

•  Address customer and correspondent bank queries promptly, resolve issues in a timely manner, and foster a "Customer Comes First" approach to achieve high levels of satisfaction

•  Coordinate with the Operations Manager to meet quality and productivity standards, ensure appropriate staff training, and maintain proper documentation for MIS and internal records

Department:

Branch Operations

Qualification:

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

3 - 4 years relevant Experience within banking industry

Skills:

•  Oversee and supervise all teller transactions, ensuring accurate processing of cash handling, remittances, and foreign currency exchanges while adhering to AML, KYC, SBP, and Exchange Control regulations

•  Lead and support the teller team, ensuring high productivity and quality service delivery, while addressing customer inquiries, resolving complaints, and maintaining a focus on security, cash management, and operational efficiency

Location:

All Pakistan

Application Deadline:

02-Mar-2025

Apply Now
Job Responsibilities:

•  Greet customers, address queries, and manage account opening, closing, and maintenance, including activation of dormant accounts and KYC updates

•  : Supervise and process transactions within assigned limits, including fund transfers, payment orders, clearing (inward, outward, same day, intercity, and USD), and bill collections

•  Ensure adherence to bank policies, SBP regulations, and timely closure of audit observations, while maintaining strict compliance with regulatory standards

•  Manage the issuance and cancellation of payment orders, demand drafts, chequebooks, ATM cards, TDR rollovers, and other banking services

•  : Oversee customer lockers, stop payments, and special account maintenance tasks such as managing deceased accounts, minor accounts, and providing certificates

Department:

Branch Operations

Qualification:

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

1-3 years relevant Experience within banking industry

Skills:

•  Build strong customer relationships, resolve inquiries and complaints effectively, and ensure smooth and efficient service delivery while promoting relevant banking products

•  Demonstrate proficiency in banking processes, maintain accuracy in transactions, ensure compliance with regulations (e.g., AML, KYC), and collaborate with branch teams to meet operational goals

Location:

All Pakistan

Application Deadline:

02-Mar-2025

Apply Now
Job Responsibilities:

•  Oversee account opening, closing, maintenance, and term deposit placements while ensuring accurate accruals and profit rates, in compliance with regulatory guidelines and internal procedures

•  Ensure timely submission of all regulatory reports to SBP, Head Office, and relevant departments, while strictly adhering to SBP prudential regulations, the Exchange Control Manual, and other local regulations

•  Handle customer and correspondent bank queries promptly, ensuring high levels of customer satisfaction, and address complaints within service standards

•  Monitor and report suspicious transactions in line with AML and KYC policies, ensure customer signatures are updated, and mitigate risks related to unclaimed deposits and taxes

•  Collaborate with operations and business groups to meet quality and productivity standards, manage department records and MIS reports, and provide training to staff to enhance performance and ensure business continuity

Department:

Branch Operations

Qualification:

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

3-5 years relevant Experience within banking industry

Skills:

•  : Build strong customer relationships, resolve inquiries and complaints effectively, and ensure smooth and efficient service delivery while promoting relevant banking products

•  Demonstrate proficiency in banking processes, maintain accuracy in transactions, ensure compliance with regulations (e.g., AML, KYC), and collaborate with branch teams to meet operational goals

Location:

All Pakistan

Application Deadline:

02-Mar-2025

Apply Now
Job Responsibilities:

•  Manage counter services and supervise key departments (Cash, Clearing, Account Opening, Remittances, Collections, Administration, EDP), ensuring efficient processing, compliance with bank standards, and high service delivery

•  Oversee adherence to internal policies (OPM, AML, KYC), SBP regulations, and ensure strict controls over operational procedures, security, system access, and exception handling

•  Drive automation initiatives to enhance processing efficiency, reduce redundancies, and improve transaction volume management, while addressing customer complaints and improving turnaround time

•  Set performance objectives, evaluate staff, recommend training, and foster a high-performance culture, while ensuring compliance with attendance and operational policies

•  Manage the branch’s budget, monitor income/expense variances, ensure asset security, and collaborate with Head Office for reporting, expense control, and cost-saving opportunities

Department:

Branch Operations

Qualification:

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

3-5 years relevant Experience within banking industry

Skills:

•  Oversee day-to-day branch operations, ensuring efficient transaction processing, strict adherence to banking regulations (SBP, AML, KYC), and implementation of service delivery standards to enhance customer satisfaction

•  : Lead and develop branch staff, drive performance through training and performance management, optimize operational processes, automate workflows, and manage financial oversight, including budgeting and expense control

Location:

All Pakistan

Application Deadline:

02-Mar-2025

Apply Now
Job Responsibilities:

•  Achieve deposit mobilization, focusing on a cost-effective mix of CASA/TD, and generate revenue through both existing portfolios and new-to-bank (NTB) acquisitions

•  Build and maintain strong customer relationships, ensure high levels of satisfaction, and handle inquiries, complaints, and banking transactions effectively

•  Promote and cross-sell retail banking products to meet sales objectives and drive business growth

•  Enhance process efficiency, monitor customer fund movement, and ensure smooth handling of portfolios while improving productivity and service delivery

•  Coordinate with operations staff to ensure excellent service, adhere to the sales model process, and provide regular performance reports to the Branch Manager

Department:

Branch Banking

Qualification:

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

1-3 years relevant Experience within banking industry

Skills:

•  Build and maintain strong client relationships, achieve sales and cross-selling targets, and promote banking products to meet customer needs and generate business growth

•  : Resolve customer issues effectively, ensure compliance with banking regulations (e.g., KYC, AML), manage client portfolios, and meet or exceed performance and acquisition targets

Location:

All Pakistan

Application Deadline:

02-Mar-2025

Apply Now
Job Responsibilities:

•  Drive deposit mobilization, focusing on a cost-effective mix of CASA/TD and generating revenue through both existing portfolios and new customer acquisitions (NTB)

•  Develop and maintain strong customer relationships, ensuring high satisfaction levels, handling inquiries/complaints, and supporting customer banking transactions

•  Actively promote and cross-sell retail banking products to meet sales objectives and expand the customer base

•  Ensure smooth handling of portfolios, monitor customer fund movement, and visit clients for deposit acquisition and relationship deepening, while maintaining process efficiency

•  Coordinate with operations staff to ensure excellent service delivery, follow the sales model process, and provide timely reports to the Branch Manager, while maximizing the sale of bank products/services

Department:

Branch Banking

Qualification:

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

Minimum 3 years relevant Experience within banking industry

Skills:

•  Strong ability to build and maintain client relationships, cross-sell banking products, achieve sales targets, and generate revenue from both existing portfolios and new acquisitions while delivering exceptional customer service

•  Skilled in financial analysis, portfolio management, ensuring regulatory compliance (e.g., KYC, AML), and effectively resolving client issues while staying informed about market trends and competitor offerings

Location:

All Pakistan

Application Deadline:

02-Mar-2025

Apply Now
Job Responsibilities:

•  Drive branch business growth by achieving deposit, ensuring a cost-effective mix of CASA/TD, and maintaining high service standards

•  Lead branch operations, including staff hiring, training, and performance management, while ensuring compliance with SBP regulations, internal policies, and operational controls

•  Supervise customer service delivery, resolve queries/complaints in a timely manner, and ensure compliance with SOPs, audit requirements, and security protocols

•  Oversee financial accuracy, including accruals, income/expense liquidation, and approval of expenses, while coordinating with internal/external audit teams

•  Foster a motivated and high-performing team, ensuring ongoing training, development, and adherence to regulatory requirements, while managing branch performance and service standards

Department:

Branch Banking

Qualification:

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

3-5 years relevant Experience within banking industry

Skills:

•  Proven ability to lead and motivate teams, drive sales growth, achieve deposit targets, and ensure excellent customer service while maintaining compliance with banking regulations and internal policies

•  Strong expertise in branch operations, financial management, risk mitigation, staff training, and maintaining high service standards while ensuring timely resolution of customer issues and adherence to regulatory requirements

Location:

All Pakistan

Application Deadline:

02-Mar-2025

Apply Now
Job Responsibilities:

•  Finalize the initial risk assessment for all groups, divisions, and controlling offices, and contribute to the development of the Annual Internal Audit Plan for approval by the Audit Committee

•  Execute audit assignments in accordance with the Annual Audit Plan, while supervising, mentoring, and providing guidance to audit staff throughout the audit process

•  Prepare, review, approve, and issue internal audit reports, ensuring that significant issues identified during audits are appropriately addressed

•  Regularly update Division/Department Heads on the progress of audit assignments

•  Communicate significant audit findings to Division/Department Heads, especially those requiring immediate management attention

•  Continuously update and refine audit programs and checklists to stay aligned with changes in processes, systems, and products

•  Ensure the quality of audit work, oversee end-to-end audit delivery, and exercise professional judgment in decision-making, escalating issues as necessary

•  Maintain thorough and organized audit documentation, including working papers and information collected during audits, for future reference

•  Uphold confidentiality and adhere to the code of ethics regarding sensitive information collected during audits

•  Exhibit strong communication and interpersonal skills to effectively collaborate with team members and auditees, fostering a constructive audit environment

•  Perform additional special assignments as directed by the Chief Internal Auditor

Department:

Audit & Inspection

Qualification:

•  Bachelor degree in Accounting and Finance or related fields from HEC recognized University or accredited Foreign University, ACCA, CA Finalists or equivalent

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

At least 8-10 years of internal auditing experience in banking, preferably 2-3 years in Management Audits

Skills:

•  Expertise with Microsoft applications (Outlook, Word, Excel, Access and PowerPoint) or similar software

•  Knowledge of or ability to use Bank software, including related business and audit software

Location:

Head Office, Karachi

Application Deadline:

18-Feb-2025

Apply Now
Job Responsibilities:

•  Execute audit assignments as directed by the Team Lead/Unit Head – Management Audits, covering Divisions, Departments, or other special assignments as required

•  Conduct audits of assigned areas and activities in accordance with the approved audit plan, identifying any violations or deviations from established systems, procedures, and controls using audit tools such as Risk & Financial Analysis

•  Review and assess the Standard Operating Procedures (SOPs) of the auditee to ensure compliance with regulatory requirements and internal policies

•  Collect, analyze, and assess data and information necessary for audit planning, identifying potential risk areas before initiating fieldwork

•  Regularly update the Team Lead/Unit Head on the progress of audit work and highlight any issues or challenges encountered

•  Discuss significant audit findings with the Team Lead/Unit Head throughout the audit process to facilitate timely corrective actions

•  Share relevant audit findings and information with other audit staff to ensure alignment and support across the team

•  Ensure the quality and consistency of audit work, maintaining thorough and well-organized audit documentation, including working papers and information collected during the audit, for future reference

•  Uphold confidentiality and adhere to the highest standards of ethical conduct regarding the information collected during audits, as stipulated in the code of ethics

•  Continuously stay informed of the latest developments, regulatory updates, and best practices in the banking industry to ensure audits are conducted in line with current standards and procedures

•  Demonstrate strong attention to detail, critical thinking, and the ability to proactively identify risks and opportunities for process improvements

•  Exhibit strong communication and interpersonal skills to effectively collaborate with team members and auditees, fostering a constructive audit environment

Department:

Audit & Inspection

Qualification:

•  Bachelor degree in Accounting and Finance or related fields from HEC recognized University or accredited Foreign University, ACCA/CA Finalists or equivalent

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

• Minimum 3-5 years of internal auditing experience in banking, preferably 1-2 years in Management Audits

Skills:

•  • Expertise with Microsoft applications (Outlook, Word, Excel, Access and PowerPoint) or similar software

•  Knowledge of or ability to use Bank software, including related business and audit software

Location:

Head Office, Karachi

Application Deadline:

18-Feb-2025

Apply Now
Job Responsibilities:

•  Assist in developing and executing risk-based audit plans in alignment with the approved audit framework

•  Perform in-depth reviews of business operations, processes, and systems to identify financial, operational, and compliance risks

•  Evaluate internal controls across business functions, recommend improvements to strengthen control frameworks, and mitigate risks

•  Analyze financial indicators to identify potential risks to the bank’s exposure and propose mitigation actions

•  Regularly update the Team Lead/Unit Head on audit progress and highlight significant findings requiring management attention

•  Discuss audit observations with auditees, ensuring transparency and clarity in the review process

•  Draft audit reports and submit them to the Team Lead/Unit Head for review and finalization

•  Assist in the continuous improvement of audit programs and checklists to reflect evolving business risks and regulatory changes

•  Ensure quality and consistency in audit work, exercising professional judgment, and escalating issues as necessary

•  Maintain accurate and organized audit documentation for future reference, adhering to confidentiality standards

•  Execute special assignments as directed by the Team Lead/Unit Head or Chief Internal Auditor

Department:

Audit & Inspection

Qualification:

•  Bachelor degree in Accounting and Finance or related fields from HEC recognized University or accredited Foreign University, ACCA/CA Finalists or equivalent

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

Minimum 3-4 years of internal auditing experience in banking, preferably 1-2 years in BRR Audits

Skills:

•  Expertise with Microsoft applications (Outlook, Word, Excel, Access and PowerPoint) or similar software

•  Knowledge of or ability to use Bank software, including related business and audit software

Location:

Head Office, Karachi

Application Deadline:

18-Feb-2025

Apply Now
Job Responsibilities:

•  To assist in achieving Service Quality benchmarks across the country. Benchmarks of providing standardized customer services, Customer Loyalty/Mystery Shopping and TATs

•  To assist for preparing a comprehensive Service Quality daily, monthly quarterly and annual reports and ensure implementation and roll out to all divisions

•  To develop and conduct regular Branch Quality Assurance Checks / Branch Visits and prepare a report highlighting the issues observed during visits – Branch Health Report based on Service Quality Standards

•  To coordinate with multiple stake holders / divisions responsible for rectifications of the issues identified. To liaise with respective business units / divisions on action plans for clear implementation of gap analysis and rectifications

•  Conduct regular service refresher trainings (Customer Service, FTC, CAF & Mystery shopping etc.) to ensure consistency and accuracy of information dissemination to customers and to bring employees up the curve in every aspect of providing superior service

•  To conduct Mystery Shopping and observations during branch visits

•  Provide assistance to deal and resolve escalated Complaints / Requests

Department:

Service Quality Department

Qualification:

•  A minimum of a Bachelor's degree or its equivalent from an HEC-recognized university

•  Master’s Degree is a Plus

Certification:

•  Special Certification(s) in related field is preferred

Job Experience:

3-5 years relevant Experience within banking industry

Skills:

•  Expertise in implementing and monitoring service quality standards, conducting audits, and driving continuous improvements to enhance customer satisfaction and operational efficiency

•  Strong ability to collaborate with cross-functional teams to resolve issues, while delivering impactful training programs to ensure consistent service delivery and employee development

Location:

Head Office, Karachi

Application Deadline:

21-Feb-2025

Apply Now