Osama Navaid
Senior Financial Advisor
Milton,ON
Summary
Result-oriented Senior Financial Advisor with advanced skills gained through extensive training and 9+ years of experience to build customer base and increase revenue. Trusted resource to foster and manage high net worth client relationships through a wide range of products and services offered by the bank. Adapts to rapidly changing business and technology environment and provide consistent value in day to day operations.
Overview
10
10
years of professional experience
5
5
years of post-secondary education
5
5
Certifications
2
2
Languages
Work History
Senior Financial Advisor
The Bank of Nova Scotia
Burlington, ON
06.2021 - Current
- Advisor excellence program: Among the Top 50 advisors of the bank regionally in 2023 Q2 and Q3.
- Help assigned book of clients to build wealth management strategies based on unique goals and objectives.
- Officer in charge of the branch in the absence of the branch manager to help support operations and sales.
- Review credit application with the perspective of borrower's risk appetite, repayment capacity, liquidity, pricing, tenor, coverage ratios & profitability/yield under different stress test scenarios.
- Provide specialized financial planning support to high net worth clients with diverse portfolios to align with their individual goals.
- Create, structure, and approve credit applications of < $1.5M and escalate with SMART notes with recommendations to obtain exceptions under existing credit approval management hierarchy.
- Interact with clients to explore possibilities to structure suitable products of banking to meet with the clients' needs and falling within the orbit of approved policy of the bank from risk & business perspective.
- Create, review & evaluate credit applications with documentation to ensure that each application is compliant and fulfill pre and post funding requirements.
- To remain updated with regulatory requirements of OFAC, MFDA, OFSI and attend relevant meetings, workshops, and courses.
Business Analyst
Digital Technology Canada - Salesforce
Oakville, ON
01.2020 - 06.2021
- Certified Salesforce Sales Cloud, Service Cloud and Administrator.
- Updated Salesforce platform as per user needs and developed codes that were in accordance with the specifications required.
- Tested functionality, performed debugging, and carried out modifications to conduct quality checks.
- Checked processes and assessed communications within Salesforce CRM systems for efficiency.
- Identified and supported business process requirements and development needs.
- Evaluated data use and mapped to integration requirements to support business objectives.
- Supervised work of programmers, designers, and technicians assigned tasks and monitored performance against targets.
- Used interpersonal and communication skills in interactions, enriching team collaboration, customer relationships to enhance retention and positive client experience.
- Contributed ideas and suggestions in team meetings and delivered updates on deadlines, designs, and enhancements.
Financial Advisor
The Bank of Nova Scotia
Oakville, ON
01.2017 - 10.2019
- Review credit application with the perspective of borrower's risk appetite, repayment capacity, liquidity, pricing, tenor, coverage ratios & profitability/yield under different stress test scenarios
- Provide specialized financial planning support to clients with diverse portfolios to align with their individual need.
- Interact with clients to explore possibilities to structure suitable products of banking to meet with the clients' needs and falling within the orbit of approved policy of the bank from risk & business perspective.
- Create, review & evaluate credit applications with documentation to ensure that each application is compliant and fulfill pre and post funding requirements
- To remain updated with regulatory requirements of OFAC, MFDA, OFSI and attend relevant meetings, workshops, and courses.
Assistant Manager
Standard Chartered Bank, Quality Assurance AML & Sanctions
Karachi
08.2015 - 04.2016
- Accurately identifying, escalating, and validating economic sanctions and money laundering linkages in transaction processing for trade operations with due diligence.
- Support manager for effective independent assurance framework to ensure compliance.
- Undertake investigations where necessary and provide sufficient evidence for further reporting and audit trail.
- Acquired In depth training and analysis covering AML and ATF ambit, policy guidelines, regulations, and laws.
- Reviewed historic data to enhance current investigation practices and improve overall quality of risk management.
- Performed checks on key controls monthly to ensure effectiveness of the work performed and avoid repetitive leakages in processing.
- Trained employees to improve first level investigations and increase risk awareness.
Graduate Associate
Standard Chartered Bank, Group Technology & Operations
Karachi
08.2014 - 07.2015
- Rotations in different departments throughout the breadth of Banking Operations including Trade Operations, Account Services, Lending Operations, Card Operations & Financial Market Operations.
- Extensive and rigorous on job and classroom training.
- Lead the GTO Cost Save project to minimize yearly operational costs by $80,000 annually.
- Revalidated current transactional workflows to maximize efficiency.
- Improved internal risk management and provide revalidation based on ORF structure.
- Assisted auditors in validating discrepancies and inconsistencies.
Education
Bachelor Of Arts - Economics
Carleton University
Ottawa, ON 09.2009 - 05.2014
Skills
Investment Planning
Financial PlanningCredit AdjudicationTransactional BankingWealth ManagementMutual FundsCompliance & ReportingFinancial strategies
Microsoft Office Suite
Relationship building and management
Certification
Registered Financial and Retirement Planning (Canadian Institute of Financial Planning)
References
References available on request.
Citizenship
Canadian
Timeline
Senior Financial Advisor
The Bank of Nova Scotia
06.2021 - Current
Business Analyst
Digital Technology Canada - Salesforce
01.2020 - 06.2021
Financial Advisor
The Bank of Nova Scotia
01.2017 - 10.2019
Assistant Manager
Standard Chartered Bank, Quality Assurance AML & Sanctions
08.2015 - 04.2016
Graduate Associate
Standard Chartered Bank, Group Technology & Operations
08.2014 - 07.2015
Bachelor Of Arts - Economics
Carleton University
09.2009 - 05.2014