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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

Serving the Banking Mohtasib Pakistan as an Advisor since September 2004.


S. Faheemuddin 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.


Farhat Saeed

A Central Banker having served the State Bank Of Pakistan in various capacities for about 37 years. Retired as Executive Director in 2006.


Ashraf Ahsan Mozaffar		 Joined Habib Bank and Stood First in 1964 Batch of Probationary Officers. Retired as EVP after 41 year of Banking Service. Rehired for a period of 3 years by HBL worked as a member of Task Force set up by the Board of Directors. Divisional Head Agricredit, General Administration, Purchase Expenses, Printing and Stationary, Travels/ Protocol, Properties, and Insurance Divisions and also worked in Legal and Training Divisions. Introduced Lockers Insurance as first time initiative by any Bank in Pakistan in 1999. Assisted BOD in Formulation of Budgets, Purchase Expenses Policy, and Records Retention Policy of Bank. Joined Banking Mohtasib Pakistan as Advisor in 2008.
   
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.