Unit Head Business Conduct

UBL - United Bank Limited; Karachi Division; On-site; PKR 3,000,000 - 4,200,000; Full time

Job summary

UBL - United Bank Limited seeks a seasoned professional to oversee Business Conduct & Fair Treatment of Consumers, aligning with SBP's BCFRF framework. The role emphasizes risk identification, regulatory reporting accuracy, and stakeholder coordination across internal teams and SBP contacts.

Key responsibilities include implementing BCFRF, reviewing marketing materials and customer grievances, preparing MIS and dashboards for senior management and boards, and ensuring timely remediation of

Qualifications

• Minimum Bachelor's Degree; preferably Master's in Business / Accounting / Finance.
• At least 10 years of banking experience in Regulatory Compliance, Internal Audit, or Service Quality.

Responsibilities

• Assist Conduct Officer in implementing BCFRF with stakeholders.
• Assess risks in review of marketing materials and social media per BCFRF.
• Review responses to significant customer grievances routed through SBP.
• Ensure regulatory reporting related to Business Conduct is timely and accurate.
• Coordinate with stakeholders for regulatory examinations and review reports.
• Act as focal person for inquiries related to Business Conduct and Fair Treatment of Customers.
• Liaise with SBP to address regulatory concerns.
• Identify key BCFRF risks using audits, KRIs, and RCSAs.
• Track remediation of identified issues and maintain records.
• Issue advisories on Business Conduct matters.
• Prepare training material and monitor execution with HRD.
• Prepare MIS, dashboards, and present risks to senior management and committees.

Skills

Regulatory compliance

Risk assessment

Stakeholder coordination

Regulatory reporting

Education

Bachelor's degree in Business / Accounting / Finance

Master's degree preferred

Job description

Oversight in the Business conduct & FTC related activities as envisaged under SBP’s Framework. Identification and assessment of the related risks in the pertinent areas and monitoring / tracking for resolution to ensure compliance of the related regulatory requirements. Creating awareness about the Business Conduct and coordinating with all internal and external stakeholders.

Job Responsibilities

• Assist Conduct Officer in implementation of SBP’s Business Conduct & Fair Treatment of Consume Regulatory Framework (BC&FRF) in coordination with stakeholders.
• Assessing the related risks in review of marketing material including those on the social media and website in the light of the BC&FRF.
• Review responses to the significant customer grievances routed through SBP.
• Ensuring that the regulatory reporting related to Business Conduct & Fair Treatment of Customer is made in timely and accuracy manner.
• Keeping coordination with stakeholders for the conduct of any regulatory examinations and partnering in the review of related reports.
• Acting as focal person for the inquires related to Business Conduct and Fair Treatment of Customers.
• Keeping liaison with SBP to address any related issues of regulatory concern referred to/by the bank.
• Identifying key risks related to BC&FRF through review of pertinent data including but not limited to internal and external audit review findings, RCSAs, preparation of KRIs etc.
• Tracking the remediation of identified issues for resolution and keeping the related record.
• Issuing advisories in respect of the matters involving Business Conduct & Fair Treatment of Consumers.
• Preparing and reviewing the related training material and monitoring the execution status in coordination with HRD.
• Preparation of meaningful MIS, dashboards, presentations and highlighting the related risks for review of the senior management, management and BOD Committees.

Experience & Qualification

• Minimum Bachelor's Degree Preferably Master Degree in Business / Accounting / Finance.
• At least 10 years of banking experience preferably in Regulatory Compliance, Internal Audit and/or Service Quality