Current Openings

•  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

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

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  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

•  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

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

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  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

•  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

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

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  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

•  Achieve deposit mobilization targets, ensure a cost-effective mix of CASA/TD, and meet cross-sell and trade business goals for branch growth

•  Cross-sell products, including Digital Banking, while maintaining high service standards and ensuring customer satisfaction

•  Ensure compliance with SBP Prudential, BML SOPs, and other regulatory requirements across all branches

•  Manage staff availability during business hours, handle complaints within defined TAT, and implement BCP during emergencies

•  Develop strategies to enhance branch business, control costs, and provide operational recommendations to improve efficiency

•  Conduct staff performance appraisals, oversee training, and resolve staff issues, ensuring compliance with SOPs and performance goals

•  Collaborate with Head Office, trade managers, and SBP on operational matters, and ensure timely submission of reports and approvals

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

•  Master’s Degree is a Plus

•  Special Certification(s) in related field is preferred

•  Ability to meet deposit mobilization, cross-sell, and trade business targets to drive growth.

•  Effective team coordination, performance appraisals, training, and resolving personnel issues.

•  In-depth knowledge of regulatory requirements and ensuring adherence to SBP Prudential, SMBL SOPs, and other standards

•  Strong focus on cost control, process optimization, and resolving operational challenges to enhance branch performance

•  The Head of AML leads the bank’s anti-money laundering and counter-financing-of-terrorism strategy, providing senior-level oversight of all AML/CFT/CPF functions. This role develops and drives the AML program to ensure it is effectively designed and operating in line with regulatory requirements and the organization’s risk appetite. The Head of AML reports to the Chief Compliance Officer and provides strategic direction to the AML unit, leading risk assessments and program improvements to prevent money laundering, terrorist financing and proliferation financing. In this capacity, the Head of AML engages with regulators, auditors and senior management, and ensures all AML initiatives align with the bank’s overall compliance objectives. Duties & Responsibilities • Strategic Leadership: Develop and implement the overall AML/CFT/CPF strategy and framework, aligning with regulatory standards and the bank’s risk appetite. Lead the annual AML enterprise-wide risk assessment and ensure findings are incorporated into the bank’s AML policies and controls. • Program Governance: Ensure AML policies, procedures and controls are robust, up-to-date, and effectively implemented bank-wide. Approve and maintain internal compliance manuals and guidelines, and conduct periodic reviews of program effectiveness against SBP/central bank regulations and FATF recommendations. • Regulatory Engagement & Reporting: Oversee all regulatory reporting and filings. Ensure timely and accurate submission of Cash Transaction Reports (CTRs), Suspicious Transaction Reports (STRs) and other mandated reports to the Financial Monitoring Unit (FMU) and regulators. Act as the primary liaison with SBP, FMU and other regulators; lead AML reviews by auditors and examiners; and manage responses to regulatory inquiries and deficiency findings. • AML Operations Oversight: Provide executive oversight of AML operations. Supervise the Unit Head – AML and sub-teams (e.g. transaction monitoring, sanctions screening, CFT Desk, CDD advisory, TBML) to ensure consistent processes for alert review, sanctions checks, customer risk classification, and case management. Confirm that suspicious activity is escalated and reported appropriately and that the transaction monitoring system functions effectively. • System and Process Enhancements: Partner with IT and vendors to continuously improve AML systems and technology. Review AML monitoring system performance and detection parameters, identify gaps, and drive system updates or new analytics to enhance detection accuracy and efficiency. Ensure robust testing and documentation of AML systems and workflows. • Staff Leadership & Training: Lead, mentor and build a high-performing AML compliance team. Set clear objectives for AML sub-unit heads and staff, and foster a culture of compliance. Oversee the design and delivery of AML/CFT training programs and awareness campaigns to ensure all employees understand their obligations and AML red flags. Encourage ongoing professional development and cross-training among compliance and operational staff. • Cross-Department Collaboration: Coordinate closely with other departments (Risk Management, Legal, Finance, Operations, Audit, and Business Units) to integrate AML/CFT controls into business processes. Provide expert guidance to front-line units on AML requirements, escalation procedures and response to red flags. Represent the AML function in enterprise risk initiatives and ensure AML considerations are incorporated into new products, services and systems. • Continuous Improvement: Monitor regulatory and typology developments and lead updates to policies, procedures and controls. Initiate special projects or investigations for emerging risks (e.g. new sanctions regimes, virtual assets, sophisticated fraud schemes) and ensure remediation of audit findings. Drive a data-driven approach to identify trends and improve AML program effectiveness over time. • Other Duties: Perform any other compliance-related tasks or projects as directed by the CCO or Compliance Committee. Communication & Relationships • Internal: Regularly brief senior management and the Board on AML/CFT program status, risks and trends. Collaborate with all business lines, support units and headquarters departments to promote an AML-aware culture and resolve compliance issues. Provide clear guidance and advisory support to departments on AML/CFT matters. • External: Act as the bank’s principal AML/CFT contact with regulators (SBP, FMU), law enforcement agencies (e.g. Federal Investigation Agency, NACTA), correspondent banks, industry associations and auditors. Ensure timely and transparent communication with external parties on AML program activities, regulatory changes and enforcement requirements. Facilitate exchange of information with Financial Intelligence Units and participate in industry working groups as needed. Specifications • Education: Bachelor’s degree in Finance, Law, Business or related field; Master’s preferred. Professional certifications such as CAMS, ACAMS, or equivalent AML/CFT certification are highly desirable. Advanced regulatory or legal qualifications are a plus. • Experience: 12+ years of progressive AML/Compliance experience in banking or financial services, including at least 5–8 years in a leadership role. Demonstrated track record of managing comprehensive AML/CFT programs and regulatory exams. Experience with SBP AML regulations and familiarity with international AML standards (FATF, 5AMLD, USA PATRIOT Act etc.). Prior experience interacting with regulators and auditors is required. • Skills: Expert knowledge of AML/CFT laws, regulations and typologies. Strong strategic and analytical skills to conduct risk assessments and design controls. Proven leadership and team management abilities. Excellent communication and interpersonal skills for reporting to senior management and external agencies. High ethical standards, sound judgment, and the ability to make defensible decisions under scrutiny.

•  Bachelor’s degree in Finance, Law, Business or related field; Master’s preferred. Professional certifications such as CAMS, ACAMS, or equivalent AML/CFT certification are highly desirable[9]. Advanced regulatory or legal qualifications are a plus.

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•  Expert knowledge of AML/CFT laws, regulations and typologies. Strong strategic and analytical skills to conduct risk assessments and design controls. Proven leadership and team management abilities. Excellent communication and interpersonal skills for reporting to senior management and external agencies. High ethical standards, sound judgment, and the ability to make defensible decisions under scrutiny.