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Azhar Hamid
Banking Mohtasib Pakistan		 An international banker with a career spanning over 41 years with ANZ Grindlays Bank and latterly Standard Chartered. Retired as Country Head Pakistan of Standard Chartered in 2003. Upon retirement was nominated as director Central Board of the State Bank of Pakistan which position he relinquished upon being appointed Banking Mohtasib.

Seniors overseas assignments include UK, Bahrain, Jordan, and Australia. Has served on several governmental committees on economic and monetary policy.
ADVISORS  


Akbar Ali Habib 		Over 40 years of varied banking experience of which 36 years with United Bank. After retirement in 2002 as EVP was part of the core team which established the First Micro Finance Bank. Had a short stint as a consultant to the State Bank of Pakistan in the area of Banking Supervision.

Has also served on State Bank of Pakistan committees on Complaints Handling and Revival of Sick Units.
Has been involved in an honorary capacity in the fields of education, social and economic development of the Aga Khan's Development network.


Muhammad Ainuddin 		A Central banker having served the State Bank of Pakistan for 36 years. Remained associated with Banking Supervision and Inspection for the greater part of his career. International exposure includes a secondment with the Maldives Monetary Authority.

Retired in 2000 as Executive Director.


S. Faheemussind Ahmed		 36 years banking experience with Habib Bank. Retired early 2005 as SVP and General Manager Retail Banking. Was the Habib Bank nominee as principal officer and key contact person for handling customer complaints received through the Wafaqi Mohtasib, State Bank of Pakistan and other agencies.


Aamer Aziz Saiyid		 A civil and commercial lawyer with 40 years experience at the Bar. Retired in 2002 as Company Secretary and Head of Legal at Unilever Pakistan and had been practicing law since then.


Muhammad Aley Abid		 A senior banker having a career span of over 37 years in international and domestic banking with Habib Bank. Served in domestic branches in different capacities and also served in overseas branches for about 5 years in Maldives and Sri Lanka. Senior positions included Divisional Head International Division. Was instrumental in the establishment of Habib Currency Exchange a wholly owned subsidiary of HBL and was its CEO till retirement in 2005. Has attended several international seminars and courses at Dubai, Bahrain, South Africa, Kenya and Germany.

Was a member of State Bank of Pakistan's Standing Committee formed in the year 2000, to review Foreign Exchange manual, notifications and circulars issued by SBP


Haroon Basheer 		Mr. Basheer is well known in banking circles as a Consumer Banking veteran. He recently retired from Citibank, Pakistan, where he was Country Business Manager CSG and Deputy Chief Executive. His banking career spans over 35 years and apart from Citibank includes American Express Bank TRS, where he was Country General Manager and Muslim Commercial Bank where he was Executive Director and Head of Country Consumer Banking & IT.

He has served on various Government committees and task forces. He is a past President, Management Association of Pakistan and an honorary life member of the Marketing Association of Pakistan.
   
The Banking Mohtasib is an independent institution established under law (Part IV A Banking Companies Ordinance) to resolve public grievances against scheduled banks and disputes between banks.

We are not a regulator, or a court of law, or an industry watch dog, or a trade body, or a consumer champion.

Our services are free of any cost.

The Secretariat is located on the 5th Floor at Shaheen Complex, Karachi. Regional offices at Quetta, Peshawar and Lahore plus an office in Rawalpindi are located within State Bank of Pakistan premises.

Because of the nature of our business and given that authority is vested in the Mohtasib alone, decision making has been centralized at the Karachi Secretariat. However, in order to facilitate complainants, the Mohtasib and Advisors will visit all offices on a regular basis.

We are extremely conscious of our responsibilities towards both the public and the banks. Our primary aim will be to resolve all disputes amicably through an informal and friendly process of reconciliation rather than a formal adversarial procedure.

Our Mission Statement will determine our corporate ethos.Core Values, carefully developed by us, will be adopted by us not only as a corporate discipline but as a lifestyle and will be clearly reflected in all our actions.