Athar Baig Mirza

• Development of risk based internal audit plan, its execution and delivery, constant follow-up of timeline and budgets. • Planning and preparation of risk control matrix (RCM) based on key risks indicators (KRIs) along with audit execution methodologies. • Providing high quality audit and assurance service. • Performing ad-hoc audit engagements, investigations, consulting services to the Group and subsidiary entities. • Undertaking broader administrative activities as and when required and providing full support to the Group Internal Audit Head and Audit Committee of the Board. • Building professional relationship and providing guidance to all stakeholder on consultancy basis in order to elevate the profile and stature of internal audit. • Monitoring, coaching, training and developing auditing staff to upgrade their knowledge, developing successors, improving career progression of colleagues. • Following up of outstanding and overdue audit observations with the senior management. • Performed variety of audit engagements, which include Enterprise-wide Risk Management Framework, Credit & Business Risk Reviews, Centralized Back Office Operations, Treasury Front and Back Office, SWIFT Operations, Financial Institutions (FI) Relationships, AML, FCC & Compliance, Human Resources, Procurement & Contracting, General Administration and Frauds Investigations. • Comprehensive knowledge of internal policies & procedures, local regulations and internal audit standards and best practices. • Arranging, coordinating and presenting audit reports to the Audit Committee of the Board, as and when required.

• Prepared compliance testing annual review plans and got them approved by the senior management. • Led a team of compliance officer to ensure the completion of annual compliance testing program and effective monitoring of day-to-day transactions of the bank. • Ensured timely implementation of approved compliance testing review plans and executed process, operational, financial and system reviews of all the branches, units and departments. • Scheduled and assigned reviews to compliance team and ensured effective utilization of resources. • Reviewed work papers and reports along with corroborative supporting documentation. • Monthly and Ad-hoc reporting to senior country management about fraud cases, AML and Compliance exceptions. • Conducted mortgage fraud investigation, root causes analysis, helped the management to take remedial actions. • Streamlined fraud investigation process and handled various disciplinary action cases. • Implemented EastNets SafeWatch for transactions filtering and trained other staff. • Provided compliance opinions on various products and business transactions. • Performed enhanced due diligence (EDD) of high risk accounts.

• Investigated various operational incidents and performed root cause analysis of the operational risk incidents, along with constructive suggestion for improvement and remedial action. • Provided independent assurance to the senior management regarding compliance of directives of Saudi Arabian Monetary Agency (SAMA) and bank's own internal policies and procedures. • Executed internal control quality assurance plan and carried out reviews of various units across Saudi Arabia. • Reviewed and prepared banking policies and procedures for all the units, branches and products across the bank. • Established and maintained relationship with business management and key stakeholders to proactively understand control issues. • Undertook initiatives to identify control gaps and find out solutions for process improvements. • Conducted root cause analysis of a huge difference in Nostro accounts and recommended corrective actions to avoid such incidents in future. • Streamlined the operational activities and processes of Cash Centers across Saudi Arabia, which helped the management to reduce the continual cash shortages in cash centers.

• Set up a quality assurance (QA) unit and conducted QA reviews across the bank. • Reviewed and rolled out policies and procedures in the bank. • Conducted trainings for new recruited staff in units and branches on operations. • Involved in investigations and analysis. • Prepared and updated Quality Assurance Manual on annual basis. • Conducted monthly cash counts in various branches and identified the cash shortages in many branches, which resulted disciplinary actions against the staff.

• Developed policies and procedures governing fraud management and handling of disciplinary action cases. • Administered fraud projects investigation. • Partnered with senior management to report investigation findings and gaps. • Performed post-incident reviews to identify and analyze root causes to ensure necessary remedial actions or controls have been implemented to prevent future losses. • Provided managerial feedback on procedural and product approval documents. • Conducted number of frauds investigations, dealt with customers, law enforcement agencies and regulator. • Reported frauds and forgeries cases to board audit committee, management committee, group and local regulators. • Delivered presentations to senior management regarding trends of frauds and forgeries in the country. • Audited staff home finances. • Conducted reviews of various branches / distribution channels as a team leader across the Pakistan. • Identification of frauds during branches' audit. • Developed a methodology to conduct branch reviews. • Conducted reviews of various units in head office as a team leader. • Conducted reviews of various consumer and credit operations as a team leader. • Established Quality Assurance unit in Standard Chartered bank within a short span of 1 year. • Set up the Frauds, Complaints and Investigations Unit.

• Conducted business risk reviews and audits of corporate, SME and retail finances in various regions. • Audited consumer and commercial mortgages of Karachi region. • Audited credit documentation, operations in accounts for seasonal financing in entire Pakistan. • Audited staff home finances. • Audited branches/ distribution channels across the Pakistan. • Audited Trade Processing Centre (TPC). • Identified and investigated number of fraud cases during branch audits. • Conducted scrutiny of fraud and forgery cases, frauds claims to quantify actual amount of claims. • Handled disciplinary action cases. • Conducted various special assignments, in compliance of bank's policies and S.B.P guidelines. • Prepared credit audit manual for Audit and Inspection Group. • Prepared Internal Audit Manual - Corporate Audit. • Unearthed fake documentation fraud while conducting Corporate Credit audit.

4 years professional auditing training at Chartered Accountants, (Jun1996 – Sep 2000)