SALMAN TARIQ

Corniche Plaza Tower, Flat # 706Istiqlaal Street, Abu Shakra Restaurant Building,Abu Dhabi

E-mail: sh.salman@yahoo.com Tel: (+971) 55-1632814 Personal: D. O. B.: September 30, 1984 / Married

Objective

To get a responsible and challenging job in a dynamic learning organization offering career growth, professional grooming and vigorous exposure. I possess a keen interest along with qualities of learning and hard work

Summary

Total of 9 years of experience (Business and Technical) with 8 years of experience on Core Banking Systems Implementation.

Three complete end to end implementation life cycle experience of changing the legacy system to highly equipped banking solutions

Comprehensive experience in requirement gathering, BRD’s, FSD’s, ISD’s, solution identification,getting sign off, change management, explain requirements to stake holders, RFP and project planning.

Collaboration with project stakeholders to understand and translate business goals and objective into requirements that can be built.

Execute gap analysis between the existing and future solution. Identified the area for improvement to existing process and able to communicate and negotiate with the values adds to business and technical teams.

Act as a liaison between the Business, User Experience, and technology team to ensure the requirements and fully streamlined between all groups.

Worked in a network of more than 1000 branches and TPS(Transaction per Second) of more than 3, with successful implementation of multiple high line project (SOC, Valued Customer, Education Cess, Locker Management, Dynamic TDR products, Bulk Instrument Issuance)

Visited various clients and initiated high end meeting with client senior managements and official for understanding of their business needs, identifying their critical areas, proposing new automated solutions and end to end project coordination.

Implemented fee collection system for multiple organizations like LUMS, CITY and Beacon House in a capacity of project Manager which is successfully working Pan Pakistan with more than 1000 branches network of allied bank

Represented Allied Bank information Technology group in various client sessions for identifying their key requirements, managing technical documentations, meeting minutes and BRD’s, getting business sign off and end to end project implementation.

Experience in Managing CRs portfolio and conducting meetings with relevant department’s users/heads to prepare BRD’s of core banking and non-core banking systems, taking consents from all stakeholders and getting necessary sign off from concerned department heads.

Successfully implemented the complete Security management system for Union National Bank, Abu Dhabi for their core banking solution including all other subsidies which is working as their 1st prime security layer as per all security and audit standards.

Quality control and vendor management expertise and arranged weekly calls with vendor for SLA, timelines, new CR’s and all issues pertaining to vendor.

Prepares issues escalation matrix, visual representation and overall picture of current issues status to higher management.

Comprehensive knowledge of SOC (Schedule of charges), its implementation and mapping as per State Bank of Pakistan and Audit regulations. (Both conventional and Islamic). Was handling complete SOC for Retail Banking and Liability Product area for all technical and business aspects.

Expertise in setup and maintenance of all profit rates for all existing bank wide products as per time to time change in profit rates as per SOC bank Committee and SBP regulations.

End to end product setup, mapping and support for core banking, deposit and loan products. Rack Rate, Special Rate, Profit capitalization, Accrual, Amortization and month end reconciliation and

balancing of accounts, term products and loan as per regulations given by State Bank of Pakistan.

Successfully implemented complete Islamic Term Deposit Module in Allied Bank Pakistan which is successfully working in all Islamic Branches.

Expertise in printing solutions for Bank wide reporting and instrument printing through deal slips (EFS, PTPDF, Jasper)

Areas of Expertise

Technical Expertise:

Info Basic Programming Multi-Threaded routines COB Delivery Module Versions Enquiries & Reports Version Control Version Types OFS Templates programming Version Routines Main Line Routines

Enquiry Designer Batch Routines Context Enquiries

Data Migration DL Process GUI Reports

Version Designer T24 Technical Architecture

SMS MQ Server

EB Accounting Navigation

Functional Expertise:

Setup Files:Organizational Structure – DAO, SPF, USG – User SMS Group, Company SMS Group, Auto.ID.Start, EB.Object, F.Locking, Category, Account.Class, Data Migration Tool, EB.SYSTEM.SUMMARY, EB.PHANTOM, GCI, GDI, AGC, PK.H.BI.MARGIN.PARAM, PK.MM.TXN.TYPE.CONDITION, PK.U.CORE.PARMS, INTERCO.PARAMETER, ACI, ADI, PI, BI, FT.GROUP.CONDITION, EB.DUPLICATE.TYPE, EB.LOOKUP, SPF etc

Core Banking:Customer, Accounts (LCY/FCY), Teller, Funds Transfer, Cheque Management, MM, LD, Image, Management, Standing Order, Loans & Deposits, Stock Management, DATA.CAPTURE,CONSOL.ENT.TODAY (CET), ATM, Locker Management, Product setup, TAX, Zakat, Profit accrual, capitalization, correction etc

Liabilities:MM, LD, Product Setup, BI Keys, PI keys, Pre maturity, Maturity, schedules, PD, Auto roll over, product mapping, profit accrual, capitalization, corrections,

Trade Factory / Credit:LD.LOANS.AND.DEPOSITS, Drawings, MD.DEAL

Professional Experience

Client: Union National Bank, Abu Dhabi (Apr 2014 – To Date)Company: Arowana Consulting FZ LLChttp://www.arowanaconsulting.com/

Technical Analyst (Business Support Team):

Working as Technical Analyst (Lead business support team) and was hired in UNB for the implementation of their Security Management project under Core Banking system solution implementation. My responsibility was to replicate all the security standards/rules which were functional in their earlier system along with the set of new requirements/rules/modifications referred from all concerned stake holders. My role here was to act as a liaison between the business and project team, initiate meetings with department heads of all concerned groups (CPU, Treasury, CPSE, TRADE, CAD, CARDS, SDM, and RGB etc), understand their requirements, gap analysis, their security controls and new requirements identification, mapping of business requirements into technical documentations, analyzing the controls and standards and comparing them with the existing functional system and central bank requirements, preparing sign off documentation which included summary of financial controls and their security rights and to get sign off from each departments head. I was hired as a standalone resource for Security Management System implementation and was responsible for end to end project implementation from business to technical aspect. After finalizing the Business part, my role was to implement all the security controls including their menu’s, screens, rights, security control standards, financial

slabs, initiating testing with testing and project team, initiating SIT1, SIT2, UAT1, UAT2 as per project plan and GO-LIVE activities and project planning.

In addition to that I am working as business analyst for New CR’s being routed from different groups and a part time developer for the implementation of priority CR’s and automation of existing processes/solutions. Following below is the summary of tasks/projects I handed in UNB.

Bank wide Security Management System Implementation for their conventional, Qatar, Kuwait, ISBG an Alwifaq subsidies as per security standards and measures which included restricted staff for vip accounts handling, functional slabs for each type of financial transaction user, overdraft financial slab limit as per staff rank and approved mechanism.

Preparing BRD’s, FSD’s, ISD’s against new CR’s being routed to IT. Collaboration with project stakeholders to understand and translate business goals and objective into

requirements that can be built. Updating and managing share Portals to make the records available for audit. Implementation for new features/products as per change request system by preparing FSD’s, BRD’s,

UTD’s in collaboration with business users and to implement them. Providing technical solutions/workaround for performance optimization Creation of new batch routines for automation of existing procedures. Catch all identification and resolution by creating/updating GL/PL lines and ranges. Restriction of each type of financial transaction based on Audit and security defined rules. User level menus and their respective rights for each type of transaction handling along with end to end

support for all areas come under security management system. Support Development and Implementation for new features/products as per change request system. End to end Automation of existing implemented procedures Implementation of straight through processing setup, override classes and dispo implementation. Handling system wide parameters for all T24 areas in order to support end to end functionalities

/requirements given by business users/Internal IT/central bank

Functional Projects/Work Handled in Union National Bank:

Setup/Parameterization of Currency, Transaction Code, Charge Code, Commission Type, ACI, GCI, Category, MTTC, Loans, Interco Parameter as per BPUR (Business Parameter Update form) after conducting UAT and Signoff from concerns all stakeholders.

Setup of new GL and PL Lines, Ranges, Category sub account types, sub loan type and line mapping for new lead companies QATAR and Kuwait.

Catch all identification against GL and PL reports and their correct line mapping in coordination with conventional and Alwifaq FCD business users.

Corrections provided by Temenos against GAPS, Bugs and New Enhancements by collaborating with Temenos and bank business resources.

Completed CRs from requirement gathering to implementation in conventional and Islamic institution Alwifaq.

Managing CRs portfolio and conducting meetings with relevant department’s users to prepare business requirement documents of core banking and non-core banking systems, explaining the documents to end users and management and getting sign off.

Updating and managing share Portals to make the records available for audit.

Major Projects Implemented in Union National Bank:

Automation of end to end account statement process on a single click or branch user which includes individual , corporate and VIP clients, charges deduction and books balancing, actual physical printing, delivery and end to end process reconciliation and verification reports.

Automation of ADNOC accounts Statement on daily basis as per ADNOC requirements. Account Statement end to end process through internet banking by single click through end user. KYC and its impact on financial transactions. Implementation of new MM products (Interest Advance Profit), its creation, maturity and pre maturity. Implementation of CRN (Customer Relation Number) and GRN (group Relation Number) for corporate

and higher end customers in order to facilitate them in better manner along with all end t Mapping of GL/PL line and catch all identification and rectification.

Allied Bank Limited – Manager Retail Banking and Liabilities (Mar 2007 – Apr 2014)https://abl.com/

Islamic Implementation Lead for Core Banking and Liabilities (Business and Technical): Team Strength: 7Role: Team Lead

Allied Bank Pakistan is one of the leading Banks in Pakistan with a network of more than 1000 branches. Promoted to the role of Lead project team for the implementation of Islamic Banking and lead the team of 6 people. My responsibility was end to end implementation of Islamic banking Retail, Deposit and Liability module. It was a new challenge for me to understand the Islamic business rules and processes by collaborating with differing banking group stake holders, understand the core rules and regulations from State Bank of Pakistan, identified the key business areas and products, advised and analyzed process work flow, prepared functional and technical documentation, getting sign off, requirement gathering and gap analysis, workflow for changing the existing conventional branch to Islamic branch, circular issuance and GO-LIVE activities.

Some of the highlighted tasks I performed are as follow:

Understating and training on Islamic banking concepts and workflow. Initiated high level meeting with business groups for requirement gathering, gap analysis and solution

identification. Analyzing the requirements through technical aspect as per features and limitation of current running core

banking system, escalate the limitations, resolve the matter through mutual consents of all stake holders. Prepare BRD’s, FSD’s, ISD’s, Test case documents, UAT and SIT1, SAT2 plans in coordination with all

concerned stake holders. Getting sign off from concerned department heads. Managed End to end implementation of Islamic banking which covers all areas from Branch Merger,

Branch Migration and setup. Configurationally setup, multi book multi company setup and Intercompany Parameter setup. Implemented complete in house and Account Product module and Term Deposit module for periodic and

maturity profit products (Mudarba Term Deposit) as per Islamic shariah compliant which includes; Profit calculation at actual rate, projected weightage calculation and projected rate declaration, product linkage at GL level, accruals reporting and balancing on projected and declared rates, Profit Calculation of declared rates, Correction entries for excess or less profit, correction at PL Expense head and end to end reconciliation.

Implemented in house pre maturity term deposit module where profit will be disbursed on each number of days as per lower tenor product and correction of excess/less profit as per declared rate calculation.

Implemented Zakat Deduction module, Fata/Pata tax exemption, Education Cess Tax handling on profit disbursement of Islamic Account and Term Deposit Products.

Pool balancing, conventional to Islamic and Islamic to conventional transactions Sit1, sit2, UAT, reporting and go-live.

Manager Core Banking and Liabilities:

Hired in Allied bank for the ongoing implementation of core banking solution (T24) and gradually promoted to manager Core Baking and Liabilities with a team Strength of 10 Resources over a period of 7 years. I was involved in all phases of project implementation from Gap analysis, requirement gathering, business analysis, BRD’s, FSD’s, Migration, Performance tuning, preparing test cases, project work flow, UAT, SIT1, SAT2, sanity testing, parameterization, environment creation, back up and restoration and GO-LIVE activities.

After Go-live I worked on difference projects and enhancements of Core banking solutions and was managing complete Schedule of charges (functionally and technically) for retail and deposit, was responsible for all deposit and account products setup and implementation, meeting different clients and propping different automated solution to fulfill their needs, Disaster Recovery management and archival processes, vendor management by initiating weekly calls to India’s office with the delivery manager for SLA, preparing issue escalation matrix summary logs to present to higher management, project management for new projects by collaborating with all business group stake holders and end to end projects implementations.

Some of the highlighted tasks I performed are as follow:

Implemented the complete Fees Collection Module for LUMS, Beacon House, City School and Lahore Grammar by visiting the clients, finalizing their requirements, getting sign off, project deadlines, presenting demos to client’s high level management, branch user training and GO-LIVE activities

Implemented the Cash dynamic Cash Management modules for clients like SNGPL, Nestle, Warid, Pepsi and co, Unilever, P&G etc

Implemented Instrument reconciliation module for bank level reconciliation of all instrument heads to avoid any financial leakage and to present a clear picture to higher Management.

Paperless banking implementation where eforms were used for all the data input with digital signature and sent automatically to CPU for verification.

Implemented the Bulk instrument issuance project as per need of various clients like PSO where salary was being disbursed on monthly basis through Pay order form and branch were supposed to create thousands of pay orders in a single day. The complete process works on single click basis from instrument heads balancing to physical automated printing of actual instruments.

Implemented Valued Customer project where special card had been issued to customer having maintaining 5M average balance. Special privileges likes priority queue, free banking benefits, free intercity clearing, free ATM, free cheque book, free locker were given to such customers.

Implemented Allied Express Account in order to facilitate remittances by cash where instant account has been opened for walk in customer with tax free cash withdrawal and a free cheque book for later purpose.

Implemented the incorporation for SAP number in all financial transaction for clients like ICI, SNGPL and other institutions where SAP is used as their prime system for the reconciliation at their end.

Implemented the Locker Management System - an automated solution for complete bank wide locker records, auto rent recovery, maintaining automated locker visit register and end to end reconciliation of all locker expense heads.

Implemented Allied Easy current account, Business Banking Account, esaver account, Allied Rising Star Account, Allied ba-ikhtiyar account, Allied Platinum Ba-ikhtiyar account, Rewarding Profit account, Platinum Rewarding profit account by collaborating with business banking group stake holders, analyzing the requirements, identifying key system limitations, profits rates drafting and circular initiation.

Implemented PLS Term Deposit, Allied Term Plus Deposit, Allied Advance profit term Deposit, Allied Mahana Aamni Term Deposit, Allied Behtar Munafa Term Deposit, Allied Bachat Scheme, Allied High Premium by collaborating with business banking group stake holders, analyzing the requirements, identifying key system limitations, analyzing all the TDR conditions for Maturity and pre maturity, taking business consents, sign off, requirements drafting, user training documents and circular issuance.

Implemented dynamic Term Deposit where interest rate can be fluctuated above rack rate with bps ranging from 0-100 depending upon the approving authority. Involved in high level meetings of CRBG and CIBG where special rate term deposit for special corporate clients varies from time to time, analyzed their key requirements and advised them a viable automated solution in order to achieve the feature without launching new products.

Implemented bank wide revamping of deposits and accounts where State bank of Pakistan instructed some major changes of changing the PLS Saving profit criteria from average balance to monthly average accrual and 6 monthly capitalization, minimum profit to be paid at 7.5%, interest should be paid on each day where funds are parked with bank and pre maturity conditions for Term Deposit. We faced certain obstacles where booking rate was less then prematurity rate instructed by SBP and approval was taken from SBP and high authorities to bypass such cases.

Implanted the tax redemption for FATA/PATA and incorporation of education cess in coordination with banking business groups and SBP regulations.

Automation of IBS and marketed by concept where an exercise was done to identify all the IBS images and staff list from old circulars, registers, and backup tapes, identified the active and non-active signatory authorities, mapped them in system with new look and feel and maintaining authority was given to HR for onward creation.

Implemented and maintaining the Tax redemption for employee where they have taken House Loan facility against marking their salaried account as nonprofit able account as per the decision of Supreme Court of Pakistan in order to benefit the employee.

Implemented the complete process of Letter of Thanks which is mandatory requirement for opening of account. Initiated high level meeting with TCS and Allied Bank operations where daily automated file is being routed to TCS for onward printing and in return a file received from TCS, based on which posting restriction is applied to account failing to verify their address.

Projects Handled/Participated:

Data Migration Analyst: (Team Lead)

Nominated as bench of three people, assigned the role of optimizing and stream lining the data migration process. My responsibilities were to: advice the end to end time efficient migration process, for which implemented certain algorithms for agent’s allocation, made multi-threaded batch routines, applied purging mechanism, and optimized code for better performance. This process had also provided me in depth knowledge of migration activities and later on successfully optimized the migration of each branch from 16 hours to 4 hours.

Performance Monitoring/Optimization Analyst: (Team Player)With the passage of time as we have achieved halfway mark in project's full completion, performance monitoring and tuning is also a vital part in project success. Worked closely with performance monitoring team to figure out the major reasons for performance dips, identified the peak time and type of transactions effecting performance, analyzed all the problematic transactions and then applied different coding techniques, optimized already written codes and applied different indexing techniques to achieve the maximum utilization with minimum load on system.

Quality Control: (Team Lead)Working as Quality Control lead my responsibilities are to keep track of all issues related to different banking domains (retail, core, credit, trade and treasury) routed to vendor for either bug resolution or new functionality implementation, provide technical solution where needed, get the requirements finalized by taking mutual consents from all stake holders, analyze the solution provided by vendor, validate requirements against fix provided, arrange QA and UAT and on successful results arrange deployment in LIVE. Furthermore, to have a weekly conference call with vendor in order to prioritize next week’s work, status update on all outstanding issues and to resolve any discrepancy if needed.

T24 SMS analyst: (Team Lead)Beside Techno Functional analyst, leading the support & SMS team of 6 resources and my portfolio includes; managing the user security management rights of a branch as per their type, volume, area, clients and business they hold, to categorize them as per our identified procedures, manage rights of GBO’s, CSM’s, Teller’s, CD-in charge, Trade/Credit officer, Manager, Chief Manager depending upon the type of branch, and to manage branch user rights accordingly in case of absence of any key resource.

Q.A Engineer – SSI (Jul 2006 – Mar 2007)www.ssidecisions.com

Strategic Systems International provides technology solutions and business process support services that enable clients to improve decision making and optimize critical processes. I have performed Quality Assurance practices in all the phases of vendor addition in Market QA especially in designing and documenting the Test Plan. Market QA is a financial software application to perform in-depth market analysis, back-test trading strategies and manage portfolios.

Education

2002 - 2006 National University of Computer and Emerging Sciences, Lahore (NU-FAST)BS (Computer Sciences)

2000 - 2002 Crescent Model Higher Secondary School(A - Level) – Math – Further Math – Physics – Urdu

1998 - 2000 Crescent Model Higher Secondary School(O - Level) Physics – Chemistry – Math – Additional Math

Reference

Nauman-ul-haq: Divisional Head Core Banking, Allied Bank Limited

nauman.qureshi@abl.com

+923028490178