Chief Internal Auditor: Mr. Mohammad Munir Khan
Mr. Mohammad Munir Khan is a certified Internal Control Auditor (CICA) from US. He is an MBA (Banking & Finance), MA (English) & LL.B. with Diploma in Islamic Banking and Insurance from Institute of Islamic Banking and Insurance, London UK.
Mr. Khan has worked as Auditor & Team Leader for branches & Management audit of different departments including international audit for more than 20 years in one of the largest Bank (Habib Bank Ltd) of Pakistan. Mr. Khan is also a Certified Course Leader/Master Trainer in Customer Service by Up Your Service College, Singapore. As Master Trainer he has conducted/trained more than five hundred Bank staff including Front Office personnel and Executives viz a viz customer service. He has also worked as English Teacher at Pakistan Air Force Inter College Risalpur, KPK Pakistan.
In his last assignment he worked as Senior Auditor at Habib Bank Ltd, Pakistan since Jan 2005. Mr. Khan carries rich experience of internal Audit since 1995 covering 20+ years’ in Internal Audit of commercial Bank. He is having experience in Audit of Branches and Departments in all areas of Banking including Credit, IT, Finance, Trade, Operations etc. and is involved in statutory Audit of the Bank. He has developed Audit Plans, guidelines and manuals besides conducted various fraud & foregeries investigations. He has been approved by DAB on 20th Oct 2014 and joined Azizi Bank as Chief Internal Auditor on 30th November 2014.
Chief Risk Officer: Ms. Ewa Janikowska
Ms. Janikowska is a banker with over 20 years of experience in executive and advisory roles, focusing on operational, quality, risk, compliance and internal audit management. She has provided services to large financial groups and small boutique firms, banks and investment firms, mainly in Europe and the Middle East. Her professional experience covers corporate and investment banking, asset management, brokerage, retail and consumer finance, credit cards, insurance, micro-finance and remittance services.
Ms. Janikowska holds MBA degree from the University of Illinois, and has been certified as ISO 31000 Risk Manager and ISO 27000 Social Responsibility Manager. Since 2011, she has been appointed a court expert in banking, compliance and risk management. Throughout her career, Ms. Janikowska has sat on the boards of different financial institutions (banks and investment companies), and has held the positions of Chief Risk Officer and Chief Compliance Officer. Further, she has worked for public and NGO entities, and advised private businesses on corporate social responsibility, social entrepreneurship and financial inclusion.
Ms. Janikowska is a former member of the Management Board of the Polish Bank Association (2005–2008) and the Banking Arbitrage Council (2005-2008). In 2008 she was awarded the Honorary Badge of the Polish Bank Association for her contribution to the banking community, and since 2012 she has acted as the Ambassador of Women Entrepreneurship. Since 2013, she has been the microfinance advisor to the Conference of Financial Enterprises.
Ms. Janikowska is an economist committed to social issues, a strong believer that passions change the world. Since 2009, she has been a publisher and promoter of Muhammad Yunus, Social Innovator and Nobel Peace Laureate. She is also the mother of two wonderful young women who take future into their hands.