MUKHTIAR AHMED SHAH
Karachi
Summary
Senior banking executive with over 18 years of experience in commercial and international banking. Expertise in regulatory compliance, enterprise risk management, trade finance, and foreign exchange operations. Successfully managed multi-branch banking operations and implemented AML/CFT frameworks, ensuring compliance with central bank regulations. Proven track record in portfolio management and risk mitigation, supporting institutional stability and secure cross-border transactions.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Senior Vice President (SVP-II) & Area Manager
Sindh Bank Limited
04.2025 - Current
- Lead and oversee multi-branch operations, ensuring full compliance with regulatory and internal governance frameworks
- Implement AML/CFT systems, including KYC/CDD/EDD and transaction monitoring
- Conduct risk assessments and compliance audits across branches
- Strengthen internal control systems and fraud prevention frameworks
- Monitor credit exposure and lending risks, ensuring adherence to prudential regulations
- Ensure regulatory reporting accuracy and audit readiness
Vice President / Branch Manager
Sindh Bank Limited
01.2015 - 03.2025
- Mobilized PKR 3 Billion in deposits
- Managed PKR 100 Million loan portfolio (SME & consumer lending)
- Achieved consistent business growth with strong compliance adherence
- Managed full branch operations including business development, compliance, and risk management
- Implemented credit risk assessment and prudent lending practices
- Ensured AML/KYC compliance and due diligence standards
- Strengthened internal controls to reduce operational and fraud risks
Assistant Vice President (AVP-I / AVP-II)
Sindh Bank Limited
01.2012 - 01.2015
- Conducted customer due diligence and risk profiling
- Supported internal audits and regulatory reporting
- Assisted in implementation of risk and compliance frameworks
Banking Officer – Operations & Compliance
Bank AL Habib Limited
01.2007 - 04.2012
- Managed branch operations and compliance processes
- Conducted KYC/CDD and customer onboarding procedures
- Ensured adherence to internal controls and audit requirements
Trade Finance & Foreign Exchange Specialist
Bank AL Habib Limited
01.2009 - 01.2010
- Managed import/export trade finance operations for industrial clients
- Handled Letters of Credit (LCs) including Sight and Usance
- Processed advance payments and export proceeds realization
- Executed export refinance operations in line with regulatory guidelines
- Ensured compliance with foreign exchange regulations and trade documentation standards
- Export Portfolio: PKR 500 Million
- Import Portfolio: PKR 300 Million
Education
MBA - Business Administration (Finance & Banking)
Muhammad Ali Jinnah University
Karachi, Pakistan12-2007
MSc - Mathematics
University of Sindh
12-2005
BSc - Mathematics
University of Sindh
12-2003
Skills
- Regulatory compliance (AML/KYC/CDD/EDD)
- Enterprise risk management (credit, operational, compliance)
- Trade finance and foreign exchange operations
- Import/export finance and letter of credit structuring
- Export refinance and trade documentation
- Internal audit and control frameworks
- Fraud detection and financial crime prevention
- Credit risk assessment and prudent lending
- Regulatory reporting and governance
- Multi-branch operations and leadership
- Risk assessment
- Regulatory compliance
- Credit risk management
- Internal controls
Certification
- JAIBP (Junior Associate of Institute of Bankers Pakistan)
- Certifications in Risk Management
- AML / KYC Compliance
- Internal Audit & Controls
- Trade Finance & Foreign Exchange
Accomplishments
- Progressed from entry-level role to Senior Vice President (SVP-II)
- Managed PKR 3 Billion deposits and PKR 100 Million loan portfolio
- Successfully handled PKR 800 Million trade finance portfolio
- Strong expertise in LC structuring, export refinance, and FX compliance
- Implemented robust risk management and fraud prevention systems
Languages
English
Urdu
Sindhi
PROFESSIONAL IMPACT
Extensive experience in banking risk management, regulatory compliance, and trade finance contributes to strengthening financial system integrity and ensuring secure cross-border transactions.
Expertise in AML/KYC frameworks, foreign exchange operations, and credit risk governance supports financial stability, transparency, and effective regulatory compliance in complex banking environments.
Timeline
Senior Vice President (SVP-II) & Area Manager
Sindh Bank Limited
04.2025 - Current
Vice President / Branch Manager
Sindh Bank Limited
01.2015 - 03.2025
Assistant Vice President (AVP-I / AVP-II)
Sindh Bank Limited
01.2012 - 01.2015
Trade Finance & Foreign Exchange Specialist
Bank AL Habib Limited
01.2009 - 01.2010
Banking Officer – Operations & Compliance
Bank AL Habib Limited
01.2007 - 04.2012
MBA - Business Administration (Finance & Banking)
Muhammad Ali Jinnah University
MSc - Mathematics
University of Sindh
BSc - Mathematics
University of Sindh