MOHD ANIK ISLAM
Toronto,ON
Summary
Offering thirteen (13) years of diversified experience in Global Trade and Receivables Finance Services, Risk and Compliance of HSBC Bangladesh. Excellent Third-Party Management, Client Services, Analytical, MIS, Project Management skills, sound knowledge on International Trade and Finance products, Local and International regulatory guidelines, and Financial Crime Compliance (FCC) issues, subject matter expertise in Security and Fraud risk arena, in depth knowledge of Retail Banking products from Credit Analyst and Delinquent Portfolio Collection experiences have made me capable of working in diversified roles and taking challenges.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Vendor Relationship Manager, Trade Services
The Hongkong and Shanghai Banking Corporation Ltd.
Dhaka, Bangladesh
11.2020 - 07.2022
- Negotiated with vendors to gain optimal pricing on products resulting in substantial increase in profit margin.
- Managed vendor relations and contracts through strategic partnerships which saved costs and delivered premium contract pricing.
- Read through contracts, regulations and procedural guidelines to verify comprehension and compliance.
- Planned and controlled budgets for contracts, equipment and supplies.
- Negotiated and reviewed contracts, rates and terms with current facilities and suppliers.
Client Services Manager, Trade Services
The Hongkong and Shanghai Banking Corporation Ltd.
Dhaka, Bangladesh
11.2016 - 10.2020
- Maintained client relationships by partnering with internal teams to understand client goals and objectives.
- Resolved export import management related issues and implemented corrective actions to prevent recurrence.
- Developed relationships with stakeholders to maximize performance resulting in customer satisfaction.
- Assessed monthly reports to review client activity and identify opportunities.
- Provided regular reporting and wrap-up analyses using various data points.
- Liaised with head of client services to identify growth opportunities within portfolio.
- Attended workshops, meetings and site visits to gather customer requirements.
- Identified and established scope and parameters of business requirements to define outcome criteria and metrics.
- Obtained and manipulated data to identify trends and meaningful information for clients.
- Oversaw projects by conveying and managing deliverables.
- Conducted periodic audits to foster compliance with standards and service levels.
- Resolved customer inquiries and complaints requiring management-level escalation.
- Planned and delivered training sessions to improve employee effectiveness and address areas of weakness.
- Analyzed business performance data and forecasted business results for upper management.
Assistant Manager, Trade Services
The Hongkong and Shanghai Banking Corporation Ltd.
Dhaka, Bangladesh
08.2016 - 10.2016
- Ensure proper compliance with Group Policies and local regulations of the Central Bank and other regulatory bodies of import bills desk
- Supervise, monitor, and ensure effective correspondence with internal and external stakeholders, deal with critical and urgent queries of customers by ensuring value adding and compliant solutions
- Act as primary contact of Query Management desk during leave coverage of regular Query Desk Manager and ensure service excellence by consistently meeting or exceeding global and local service standards
- Manage clients’ trade businesses, financial positions, and trade operations by processing, checking and approving trade related transactions like import bills and payment, loan creation and loan settlement under Documentary Credit for international trade
- HSBC Intra Bank Nostro accounts’ fund reconciliation and reporting with respective reconciliation team
- Provide advisory services on critical trade issues, regulatory framework and trade structures to clients, business development team, relationship managers and trade services or operations colleagues
- Manage compliance risk by implementing the group compliance policy locally, in liaison with Regional Compliance Officer or
- Local Business Risk and Control Manager.
Transaction Analyst, Trade Services
The Hongkong and Shanghai Banking Corporation Ltd.
Dhaka, Bangladesh
08.2014 - 07.2016
- Import bill registering, checking, and recording as per global procedures, shipping guarantee issuance, cable monitoring and import sight bill payment
- Ensure efficient functioning of query management desk of non-Apparel II unit during the core and maternity leave coverage (7 months) of regular Query Desk manager
- Being a primary contact of the Query Management desk, provide effective and quick solutions of customer queries by ensuring superior service standards
- Assisting clients in managing their trade business and financial positions by administering, verifying, and processing different operational level activities
- Executing Offshore financing transactions or operations under HSBC worldwide inter branch arrangement for onshore/offshore clients
- Examine and verify the accuracy of trade finance transactions or operations in line with documents presented
- Monitoring and executing fund transfer operations under Asian Clearing Union arrangement between HSBC Offices of different countries through Bangladesh Central Bank
- Maintain and implement due observance of HSBC Internal Control Standards, including the timely implementation of recommendations made by internal/external auditors and external regulators.
Credit Approval Officer, Risk and Compliance
The Hongkong and Shanghai Banking Corporation Ltd.
Dhaka, Bangladesh
09.2011 - 07.2014
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Requested financial documents from customers.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Negotiated payment plans with customers, achieving sales and cash flow objectives.
- Conducted credit reviews on corporations to assess financial conditions.
- Monitored and maintained compliance with internal controls and government regulations.
- Presented key information to upper management and executive team for loan recommendations.
- Collected and organized loan documents before submission to underwriting.
- Assessed customer credit files regularly to review receivables.
- Collaborated with credit association and business representatives to exchange valid credit information.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
Security and Fraud Risk Officer, Compliance
The Hongkong and Shanghai Banking Corporation Ltd.
Dhaka, Bangladesh
02.2013 - 03.2014
- Conducted risk assessment to identify and control environmental and safety risks to reduce injuries and costs to organization.
- Mitigated regulatory risks by obtaining documents, clearances, certificates and approvals from local, state and federal agencies.
- Documented and reported on key risks and recommended mitigation strategies.
- Conducted investigations and took appropriate actions to resolve concerns.
- Developed and documented risk management systems.
- Compiled and submitted regular reports to update senior management on operations and progress.
- Monitored risk assessments and assessed validity using industry-specific methods.
- Conducted in-depth analyses on potential risks, impacts of new legislation or potential economic factors related to financial activities.
- Used Excel pivot tables, charts and reports to break down and analyze information.
Collection Associate, Risk and Compliance
The Hongkong and Shanghai Banking Corporation Ltd.
Dhaka, Bangladesh
12.2009 - 08.2011
- Analyze and forecast financially distressed and default retail clients’ current financial standing and future financial growth potential to assess and advise suitable financing restructuring products to revive from current financial distress position and rebuild clients’ existing business strength and financial aspects
- Ensure proper legal and regulatory implications while dealing with non-performing and provisioned financing products of existing clients
- Provide valuable insights of industry or, sector of clients suffering from adverse macro factors of financial distress to financing and lending proposal review teams to attain proactive measures against financing into relevant sectors
- Renegotiate financing rates and tenor to financially default clients to ensure a proper recover plan from financial distressed situation.
- Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals.
- Secured payments by following up with customers which disregarded promise to pay.
- Arranged for debt repayment or established repayment schedules based on customers' financial situations.
- Reviewed overdue accounts to schedule contact dates for follow-up phone calls.
- Advised customers of necessary actions and strategies for debt repayment.
- Met demands of busy collections group by performing high volume of daily calls.
- Located and notified customers of delinquent accounts by mail, telephone or personal visits to solicit payment.
- Used variety of automated systems to locate and monitor overdue accounts.
- Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
- Skip-traced with social media sites, professional sites and search engines to find contact information for borrowers.
Intern, Financial Department
The Hongkong and Shanghai Banking Corporation Ltd.
Dhaka, Bangladesh
09.2009 - 12.2009
- HSBC Nostro Account Reconciliation
- Assisting internship supervisor in various data entry requirements and other administrative activities like; data organize and input in Cost of Fund (CoF) and Value of Fund (VoF) Spread-sheet preparation and Asset Liability Management Committee (ALCO) Meeting Pack preparation
- Coordinating and executing outsourced contractual staff activities for Central Bank correspondences and HSBC Nostro
- Account Reconciliation related reports delivery or collection.
Teaching Assistant, School of Business
United International University
Dhaka, Bangladesh
09.2007 - 12.2007
- Adhered to university requirements for student assignments, testing and grading of work.
- Supported faculty clerical needs in Finance and Accounting department by preparing class materials, collecting assignments, stocking supplies and completing other support tasks.
- Provided individualized and small group support to reinforce classroom topics and promote student learning.
- Discussed assigned duties with classroom teachers to coordinate instructional efforts.
- Prepared lesson materials, bulletin board displays, exhibits and demonstrations to assist teachers in classroom preparation.
- Tracked attendance, projects, labs, reports and other class and student metrics.
- Supported faculty clerical needs in "Business Mathematics I” and “Business Statistics I” department by preparing class materials, collecting assignments, stocking supplies and completing other support tasks.
- Helped students master assignments and reinforced learning concepts presented by teachers.
- Utilized instructional techniques and hands-on curriculum to retain interest and maximize receptive learning in students.
Education
Ontario College Advanced Diploma - Business Administration – Accounting
Fast-Track
Certified International Trade Finance Specialist (CITFS) Program in - Banking And Finance
08.2022
Passed Level I of CFA Program - Professional Finance
06.2014
MBA - Finance
01.2011
BBA - Finance and Marketing
01.2010
Skills
- Vendor Relations
- Payroll Oversight
- Records and Database Management
- Complaint Resolution
- Hiring and Terminations
- Performance Evaluations
- Training and Orientation
- Microsoft Office
- Verbal and Written Communication
- Business Services Support
- Problem Resolution
- Team Building
- Revenue Forecasting
- Teamwork and Collaboration
- Cost Control
- Project Planning
- Business Analysis and Reporting
- Customer Relationship Management
- Negotiation and Conflict Resolution
- Process Improvement
- Strategic Planning
- Transaction Reviewing
- Team Management
- First Aid/CPR
- Organizational Skills
- Critical Thinking
- Banking Regulations
- Loan Documentation
- Financial Statement Review
- Credit Analysis
- Planning & Organizing
- Conflict Resolution
- Risk Management
- Personalized Financial Reviews
- AR Aging Reports
- Credit Extension Negotiation
- Debt Repayment Negotiation
- Financial Documentation
- Negotiation and Resolution
- Delinquent Account Notification
- Analytical and Critical Thinking
- Problem Investigation
- Tutoring and Mentoring
- Effective Communication
Certification
- .Verified International Academic Qualification by World Education Services, Canada.
- Certified International Trade Finance Specialists, Lean Six Sigma Yellow Belt Certificate Holder.
- Accreditation from International Chamber of Commerce (ICC) - DC Master (Documentary Credit Practices), ISP Master (Standby Credits and ISP98), Mentor 600 (UCP 600 and Documentary Credit), ISBP Online (International Standard Banking Practice for the Examination of Documents under Documentary Credits, UCP 600), Incoterms(R) 2010.
- Accreditation from Bangladesh Red Crescent Society (BDRCS) - Introductory Training on First Aid and Fire Safety & Earthquake Preparedness.
- Accreditation from Bangladesh Institute of Bank Management - International Trade Payment and Finance.
- Accreditation from British Council - Business Writing Skills.
- Certified IAP (Identify Operational Risk and Act to Protect HSBC) Agent.
Affiliations
- Certificate of Recognition - Outstanding Contribution to Service Improvement from Asia Pacific Head of Global Trade and Receivable Finance of HSBC.
- "Thanks" Scheme and A Big Thank You! Awards respective from CEO of HSBC Bangladesh and Head of Security and Fraud Risk of HSBC Bangladesh.
- HSBC Flight 2011.
- Case Study and Presentation Competition by United International University.
- Smart Choice of Career and Preparing to Get Fit by United International University.
- Special Recognition Award - Emergency Responder by HSBC Bangladesh.
References
Name: Kazi Ashraful Alam,
Designation: Professor, Seneca College, Toronto, Ontario,
Phone: +16475056116,
Email: kazi.alam@senecacollege.ca,
Relation: Academic
-
Name: Muhammad Shohiduzzaman,
Designation: Country Head of Global Trade and Receivables Finance The HSBC Ltd., Bangladesh,
Phone: +8801713000824,
Email: mshohiduzzaman@hsbc.com.bd,
Relation: Professional
-
Name: Adnan Islam,
Designation: Head of Global Trade and Receivables Finance Services The HSBC Ltd., Bangladesh,
Phone: +8801730702752,
Email: adnanislam@hsbc.com.bd,
Relation: Professional
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Vendor Relationship Manager, Trade Services - The Hongkong and Shanghai Banking Corporation Ltd.
11.2020 - 07.2022
Client Services Manager, Trade Services - The Hongkong and Shanghai Banking Corporation Ltd.
11.2016 - 10.2020
Assistant Manager, Trade Services - The Hongkong and Shanghai Banking Corporation Ltd.
08.2016 - 10.2016
Transaction Analyst, Trade Services - The Hongkong and Shanghai Banking Corporation Ltd.
08.2014 - 07.2016
Security and Fraud Risk Officer, Compliance - The Hongkong and Shanghai Banking Corporation Ltd.
02.2013 - 03.2014
Credit Approval Officer, Risk and Compliance - The Hongkong and Shanghai Banking Corporation Ltd.
09.2011 - 07.2014
Collection Associate, Risk and Compliance - The Hongkong and Shanghai Banking Corporation Ltd.
12.2009 - 08.2011
Intern, Financial Department - The Hongkong and Shanghai Banking Corporation Ltd.
09.2009 - 12.2009
Teaching Assistant, School of Business - United International University
09.2007 - 12.2007
Centennial College - Ontario College Advanced Diploma, Business Administration – Accounting
The London Institute of Banking And Finance - Certified International Trade Finance Specialist (CITFS) Program in, Banking And Finance
CFA Institute - Passed Level I of CFA Program, Professional Finance
United International University - MBA, Finance
United International University - BBA, Finance and Marketing
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