Farrukh Khalil

Responsible for AML Controls and Reporting Money Laundering to relevant authorities entity-wide.

-Oversaw risk management and ensured controls against Terrorism Financing, Transnational Organized Crimes, and Transnational Terrorist Financing. - Led the Enhanced Due Diligence process for transactions/customers from high-risk countries. - Developed the bank’s internal Financial Crime Risk Assessment. - Served as the Country Sanction Advisor for Trade. - Acted as the Country Compliance Moderator, delivering internal and external training for the Compliance Department.

Acted as the Head of AML Advisory, Policy Procedures & Trade-Based Money Laundering (TBML) Teams. - Led the Counter Financing of Terrorism Desk at HBL, overseeing: - Advisory on Sanctions & Politically Exposed Persons (PEP) within Trade transactions. - Review and update policies and procedures related to TBML. - Regular updates and revisions of local and international AML/CFT policies. - Governance reporting for AML compliance. - Conducted training programs for staff on AML/CFT.

Reviewed Corporate Client CDD for AML, Fraud Risk, Anti-Bribery & Corruption, Sanctions, and Adverse Media risks. - Guided junior staff in risk mitigation and proper client identification. - Conducted AML and CFT training for newly hired staff. - Reviewed compliance policies and products to identify AML/CFT risks.

Supervised transaction monitoring alerts and reviewed high-risk accounts. - Managed transactions involving sanctioned countries. - Led training for AML and CFT across all branches. - Conducted monthly AML risk mitigation meetings with branch compliance officers. - Coordinated Compliance Working Group and Sanctions Working Group sessions. - Provided sanctions advisory for trade transactions.

Monitored MT103 transactions and used system-generated reports for transaction oversight. - Filed Suspicious Account Reports (SAR) and Suspicious Transaction Reports (STR). - Troubleshot errors in E-suite & T24 e-KYC systems. - Reviewed account opening forms for high-risk clients and conducted user acceptance tests for the e-KYC module. - Submitted CTR/STR reports to FMU and addressed compliance-related branch queries.