1. MUHAMMAD ATIF ALI
1
Res Tel: +9714-2885904
Mobile: +97150-4576307
eMail: matifali@eim.ae
atif.ali@dib.ae
Birth: 1st March, 1969, Pakistan
Marital status: Married, 2 children
Professional: B.S,Computer Systems (N.E.D Engineering Univ,, Karachi, Pakistan)
Ambition: My dream is to change the industry paradigm by setting higher standards of product
innovation, client focus and positive contribution to environment.
SPECIAILITIES
 Versatile Banking experience, over 20 years, including 10yrs in Islamic banking
 Self starter, Motivated and a Team player
 Mix of regional & Local banking experience
 Strong Technology background, business specialisation and expertise in the area of
Transaction Banking
 Product Sales, Management & Development (Cash, Trade, eChannels delivery)
 Electronic Channels Development & Solutions delivery
 Client Services - Sales & Customer focused
PROFESSIONAL EXPERIENCE
DUBAI ISLAMIC BANK, Dubai-UAE July 2006 - Present
Head of Cash Management, Trade eChannel & Client Services (Sales / Product
Development / Solutions Delivery)
Job dimensions & Key Achievements
 Spearheaded and setup the Transaction Banking department, for the Bank’s Corporate Banking
division. Now managing a team of 18 dedicated professionals.
 Successfully developed and rolled-out the integrated Cash management-Online Payments,
Collections and the 1st Islamic Shariah compliant Trade finance delivery eChannel platform
 Successfully setup a value-added business, to generate ancillary revenue for Corporate banking,
in line with the overall business strategy and growth plans, eg, liability growth, generation of low
cost deposits(CASAs), fee, float income, etc..
 Achieved sales of customised Transaction banking products and eChannel solutions, for over 300
Corporate clients, by aggressively driving the sales Teams and sales delivery strategy
 Work closely with the RMs, Business heads and support partners, ie, Technology, Operations and
Corporate marketing, in planning and executing the future roadmap of the Transaction banking
platform
 Supporting Executive management and Head of Corporate, in determining the direction/roadmap,
to ensure positive return on products & technology investments (ROI), by driving the Sales &
Delivery platform of Transaction banking
 Stay abreast of end-user trends and requirements as well as competitive product offerings and best
practices. To be responsible for identifying and flagging the risk and compliance aspects of new
concepts and services.
Portfolio Size:
o Transaction Banking - Corporate customers base 300
o No. of Txn banking Products / eChannels 8
o Liabilities Size (CASAs) Aed 6Bn
o Revenue Achieved Aed 100Mn
o Team size 18

2. MUHAMMAD ATIF ALI
2
STANDARD CHARTERED BANK-DUBAI, MESA Region (Mar 1998 - 2006)
a) Regional Head, Solutions Delivery – MESA Regiona (Jul 2002-2006)
Job dimensions & Key Achievements
 Product development for electronic Collections & electronic Payments products, covering
UAE & Regional Countries:
 No. of Products under management: 5
 No. of countries: UAE, Pakistan, B’Desh, Bahrain, Oman & Qatar
 No. of clients: 200 (overall)
 Approx. annual revenues: USD10Mio
 Launched Electronic Delivery Channels (Cash, Trade, Collections) and services in the MESA
region for C&I customers.
 Achieved approx. USD 10Mn, as direct fee income (MESA-wide).
 Customer implementations & support for electronic banking & web-based (internet) channels
(Cash/Trade/Collections), for corporate and institutional clients across the MESA Region (10
Countries).
 Leveraged from experiences of rollout of our products and services in other markets and structuring
of complex network solutions for cross-border deals (eg with MNCs). Effective sales, customer
support & co-ordination for all Requests for Proposals (RFPs).
 Interface with Product team to ensure that any product gaps that impair implementation of a
structured solution are addressed.
 Assist & ensure Regional sales plans are implemented successfully, in lines with Transaction
banking business plans. To provide structured solutions to meet the specific cash management
requirements of customers and prospects
 Supporting eBanking product/internet channel installed base of over 1000 customers (MESA-wide)
b) Product Development Manager–eChannels&Cash Products-MESA (Sep 2000 - 2002)
Key Achievements
 Revenue Realisation (Fees, Charges, Float, etc…)
 Responsible for the management of assigned new and enhanced products throughout their
development life cycle & manage projects within the approved methodology time scale and budget,
meeting Group standard for Audit, Control and financial reporting.
 Conduct market research with customers to ensure that new products and opportunities are identified
to meet business opportunities in order to grow cash management revenues consistent with overall
Corporate Banking strategy.
 Co-ordinate new product development and launches with Country Heads of Cash & Product Managers,
to ensure that products are deliverable. To manage User Acceptance Testing (UAT) and project
implementation and to ensure that appropriate approvals are gained at all stages of the project.
 On-time, on budget, with desired quality, product programme roll-out.
c) Manager, Customer Implementation & Support – eChannels (Mar 1998-2000)
Key Achievements
 Effective and timely customisation, installation, training/support of the Group’s Electronic Banking
systems for high net-worth customers in U.A.E. and Bahrain (Southern Gulf), with secondary
responsibility/support in the other MESA Countries (Pakistan, SriLanka and Bangladesh).
 Contribution to incremental customer revenues from additional EB initiated txns., fees and float
income–by continuously pushing for utilisation and prompt problem resolution/support.
 Providing electronic banking training to staff from other Regional countries.
 Implementation and rollout of a standard process model for EB operations and establishment of a
consistent customer support infrastructure in UAE/Gulf for EB customers.
 Drive the utilisation of the EB products, so as to increase customers transaction volumes/thru’put (150%
increase)
 Project Managed successful rollout of the Group’s Y2K Compliant EB system in the MESA Region.

3. MUHAMMAD ATIF ALI
3
STANDARD CHARTERED BANK, Head Office, Karachi-Pakistan (Jan 1994 - 1998)
(Mar 1998 to date)
Joined Information Technology (IT) in officer grade, Jan’94. Promoted to Asst. Mgr in ’95 and
successively to Manager-IT Networks & Infrastructure, in 1996.
Key Responsibilities
 Projects: Planning, execution, implementation and ongoing technical support.
 Coordinating with user department on complete project implementation.
 Vendor management - selection and procurement of hardware, software and environmental equipment.
 Liaison with Group/Regional Information Technology on related I.T. projects.
 Standardization of procedures including contingency plan and documentation.
 Carry out system investigation, usually with the help of a "user" department manager leading towards
project implementation. Training users in new methods involving computer applications.
Major Projects
 ATMs Network – pan-Pakistan
 S.W.I.F.T Network
 Electronic-mail delivery system
 Centralization Project (Network & infrastructure)
 Electronic Banking Channels
AFFILIATIONs & TRAININGs:
 Islamic Finance - Product Development, Kuala Lumpur, Malaysia
 Balanced Score card – Performance Evaluation Workshop, Dubai
 Legal & Compliance CBT Course, Dubai
 Strategic SPIN Selling, Singapore
 Product Management Workshops – Malaysia & Singapore
 Business Performance Workshop, Seychelles
 eChannels Conference, Singapore
 Project Management Principles Workshop, Dubai.
 ‘CIW’ (Certified Internet Webmaster/Level-1 certification course in E-commerce, Dubai
 Workshop on E-commerce developments and trends in the Middle East Region – conducted by Sun
Micro Systems
 Electronic Payment Product: EB System for Windows: Technical/systems training, testing - conducted
by the Group’s EB Team – London & HongKong
 Institutional banking: Technical/systems training on Export Bills for Collection - Bangkok, Thailand
 Course in “Mastery through Self Development” - Neuro Linguistic Programming, Karachi
 Electronic mail delivery system: Technical Training Workshop - HongKong
 SCB Group Management Development Training Program – Pakistan
 Courses on S.W.I.F.T.: conducted by the SWIFT Education Department, Belgium: Basics, Systems
Operations, Payments & Statements, Collections & Doc. Credits – Karachi
 Orientation & training course on 4th generation ATMs by AT&T GIS (NCR) - Concept/benefits of self-
service banking, ATM overview, software, etc…, Karachi
References: Available upon request