Zarai Taraqiati Bank Limited (ZTBL) Jobs 2025 – Officer (Complaints Analysis & Compliance), Unit Head (Compliance & Monitoring)

ZTBL Jobs 2025 — Officer (Complaints Analysis & Compliance), Unit Head (Compliance & Monitoring), Shariah Scholar, Risk & Control Assessment Officer, Finance & Accounts Officer | Zarai Taraqiati Bank Limited, Islamabad

Zarai Taraqiati Bank Limited (ZTBL)—a top-rated, specialized agricultural bank with 500+ branches nationwide—has announced multiple Islamabad-based vacancies for experienced professionals: Officer – Complaints Analysis & Compliance Unit, Unit Head – Compliance & Monitoring, Shariah Scholar, Risk & Control Assessment Officer, and Finance & Accounts Officer. These are full-time positions for banking professionals with strong audit, compliance, Shariah governance, risk control, and finance backgrounds. The roles are graded in the bank’s officer scales (OG-II, OG-I and AVP/AVP-I as applicable).

Job Position Detail

Age Limits (on closing date): ✅ AVP/AVP-I: up to 45 years • ✅ OG-I: up to 40 years.
Employment Type: Full-time, Islamabad-based.
Selection: Merit-based shortlisting followed by interviews/assessments.

Role-Wise Responsibilities & Eligibility ✅

1) Officer — Complaints Analysis & Compliance Unit (OG-I/AVP-I/AVP)

Core Purpose: Strengthen customer protection and regulatory compliance by turning complaints data into corrective actions.

Key Responsibilities

• Analyze Fact-Finding Reports from compliance units/branches to check quality, completeness, and objectivity; highlight gaps and pursue timely rectification.
• Forward cases to the Investigation & Inquiries Department for detailed probe when needed; coordinate record retrieval with Banking Mohtasib Pakistan / FIA / SBP as required.
• Escalate material issues to Senior Management via the Department Head when resolution is delayed at the business unit level.
• Implement the Consumer Grievances Handling Mechanism (CGHM) and Prime Minister’s Citizen Portal or internal Unified Complaint Handling & Management Unit protocols; ensure closure within defined TATs.
• Draft replies to inquiries from regulators and oversight bodies; maintain an evidence-based trail of actions.
• Produce MIS, dashboards, and trend reports for management committees; propose process fixes to prevent recurrence.
• Conduct root cause analysis, branch guidance, and awareness sessions on fair treatment of customers and service recovery.
• Any duties aligned with the bank’s service rules.

Eligibility

• 5+ years in banking/financial institutions (complaints handling, compliance, or control room preferred).
• Strong drafting, analysis, MIS/reporting, and coordination skills.
• Bachelor’s degree (HEC recognized).

2) Unit Head — Compliance & Monitoring (OG-I)

Core Purpose: Lead ongoing compliance reviews to ensure adherence to SBP regulations, internal policies, and AML/CFT standards.

Key Responsibilities

• Identify and assess compliance risks across business processes, products, and branches.
• Execute risk-based monitoring plans, including thematic reviews and surprise checks; document observations and agreed actions.
• Track remediation, issue follow-ups, and escalate overdue actions.
• Review new/changed products & SOPs for regulatory alignment before rollout.
• Conduct awareness sessions for first-line teams; support regulatory inspections and responses.
• Prepare periodic compliance reports for senior management and the Board committee.

Eligibility

• 5+ years in banking compliance/audit or financial control functions.
• Bachelor’s degree (HEC recognized); sound knowledge of SBP PRs, AML/CFT, KYC/CDD, FATF-aligned controls.
• Excellent reporting and stakeholder management.

3) Shariah Scholar (OG-I/AVP/AVP-I)

Core Purpose: Provide Shariah guidance for Islamic products, processes, and governance in line with SBP’s Shariah Governance Framework.

Experience Requirement

• At least 4 years of experience giving Shariah rulings (fatwas) including the period of Takhasus fi al-Ifta, or at least 6 years post-qualification experience in Islamic Banking & Finance (teaching/research or industry).
• Preference for candidates with Takhasus fil Fiqh/Takhasus fil Ifta certificates.

Essential Competence

• Adequate understanding of Fiqh ul-Muamalat, Shariah standards, Islamic finance contracts, and jurisprudential methodologies.
• Ability to review products, contracts, and SOPs; issue Shariah opinions, and contribute to Shariah Board/Committee working papers.

Qualifications

• Shahadat al-Aalamiyyah (Dars-e-Nizami) from a recognized board + Bachelor’s degree (or Madrasa + Bachelor’s equivalent).
• Post-graduate studies in Kulyat-ush-Shariah, Islamic Studies, Shariah & Law, or Usul-ul-Fiqh from HEC-recognized institutions are strong pluses.
• Proficiency in Arabic/Urdu sources and English drafting.

4) Risk & Control Assessment Officer (OG-II/OG-I)

Core Purpose: Evaluate end-to-end process risks and test internal controls to reduce operational loss events.

Key Responsibilities

• Review product proposals, processes & SOPs; identify inherent risks and control gaps.
• Conduct Risk & Control Self-Assessment (RCSA), design control testing plans, and report results.
• Map key risk indicators (KRIs) and assess effectiveness of mitigating controls.
• Maintain a repository of process flows, narratives, and issue logs; track remediation to closure.
• Liaise with the first line, Internal Audit, and Compliance to ensure consistent control standards.
• Prepare risk dashboards and briefs for management committees.

Eligibility

• 3–5 years in operational risk, internal control, or internal audit within banking/financial services.
• Bachelor’s degree (HEC recognized); certifications in FRM/CRMA/CRISC/ISO 31000 are advantageous.
• Excellent analytical writing and data handling (Excel/BI).

5) Finance & Accounts Officer (OG-I/AVP/AVP-I) — 02 Posts

Core Purpose: Ensure robust financial reporting, budgeting, and regulatory compliance in line with IFRS and SBP directives.

Key Responsibilities

• Coordinate with branches/divisions to collect financial data and support monthly/quarterly closings.
• Assist in preparation of IFRS-compliant financial statements and SBP returns, including FINCON and other prudential submissions.
• Reconcile GLs, monitor accruals, analyze variances, and prepare management reports and branch profitability analyses.
• Support budgeting and forecasting, monitor costs, and track capital expenditure.
• Assist in external/internal audits, audit schedules, and management letter responses.
• Contribute to implementation of internal financial controls, chart of accounts, and ERP/core banking enhancements.
• Build working papers, maintain fixed asset records, and ensure tax/regulatory compliance.

Eligibility

• 5+ years of relevant banking/finance experience.
• Bachelor’s degree (HEC recognized). CA/ICMA (qualified or partly qualified) candidates will be preferred.
• Strong command of IFRS, SBP circulars, ERP/financial systems, and Excel.

What ZTBL Looks For

• Integrity & independence in judgment.
• Regulatory knowledge (SBP PRs, AML/CFT, FATF guidance, IFRS).
• Communication & drafting skills suited to regulators and audit/board correspondence.
• Teamwork and stakeholder management across business, risk, audit, and IT.
• Data literacy—comfortable with MIS, dashboards, and evidence-based reporting.

Documents to Prepare 📝

• Updated CV/Resume with a recent photograph and CNIC.
• Educational degrees/transcripts (HEC-recognized) and experience letters.
• Professional certifications (if any) such as CA, ICMA, FRM, CRMA, CRISC.
• Any Shariah qualifications/certificates (for Shariah Scholar).
• No-objection certificate (NOC) if currently employed in a government/semi-government entity.

How to Apply (Online) — Step by Step

1. Visit the Careers Page: Open the official ZTBL career portal and locate the relevant position.
2. Create/Log in to your profile: Enter accurate personal, academic, and professional details.
3. Upload documents: CV, degrees, experience letters, certifications—clearly labeled PDFs.
4. Submit application: Apply separately for each position you qualify for.
5. After submission: Keep an eye on email/SMS for test or interview schedules.