About the role
Zarai Taraqiati Bank Limited (ZTBL), an AAA-rated specialised financial institution with a network of over 500 branches across the country, invites applications from energetic, challenge-oriented professionals with a proven track record and the capacity to act as a catalyst for transformation in a challenging environment.
Market-competitive remuneration will be offered. ZTBL is an equal opportunity employer, and women and persons with disabilities are encouraged to apply.
Posts and vacancies
There is one vacancy for each of the following eight posts.
Officer – AML Policy, Compliance and Control Unit (OG-II/OG-I)
Responsibilities include the ongoing review of the bank's AML/CFT/CPF policy and its timely updating as required; ensuring the bank's operations comply with SBP's AML/CFT/CPF regulations issued from time to time; arranging capacity-building programmes on AML/CFT/CPF in coordination with the Training and Development Division; ensuring AML/CFT/CPF systems are upgraded in line with new developments; coordinating with internal, external and SBP audits on AML/CFT/CPF matters; and dealing with administrative matters of all employees posted in the department and keeping the relevant records.
Required skills include knowledge of applicable AML/CFT laws and SBP AML/CFT/CPF regulations, identifying and assessing exposure to AML/CFT risks, experience coordinating internal, external and SBP audits, coordinating training and capacity-building programmes, and experience in handling administrative affairs.
Head Compliance and Monitoring Unit (OG-I)
Responsibilities include identifying and assessing risks associated with business processes that can affect the reliability of financial reporting; designing and updating business processes and internal control documentation; planning and conducting periodic testing of key controls; identifying gaps during the periodic testing exercise and taking action to resolve them; coordinating with and facilitating internal and external auditors in their assignments; and any other assignment given by management.
Account Monitoring Officer (OG-II)
Responsibilities include the internal assessment of top depositors as required by SBP; account scrutiny, with deficiencies sent to branches for rectification; monitoring customer accounts, including high-risk accounts, PEPs, NGOs, NPOs and trusts; monitoring CDD/EDD requirements and the completion of account documentation in line with regulatory requirements; reviewing the periodic ODD exercise of customer accounts and coordinating with branches for compliance; and following up with assigned branches on pending AML queries within defined timelines.
Required knowledge includes SBP AML/CFT/CPF regulations, account-opening documentation under regulatory requirements, customer due diligence and enhanced due diligence requirements, and miscellaneous branch operations requirements in commercial banking.
AML Analyst-TMU (OG-II)
Responsibilities include extracting and submitting Currency Transaction Reports (CTRs) reported by branches to the concerned regulatory authorities within the defined timelines; managing the workflow of alert monitoring in the TMS from the generation of alerts until closure; reviewing and investigating the AML alerts of assigned branches; preparing office notes for identified transactions to be reported as STRs to the FMU, for approval by the competent authority; following up with assigned branches on pending AML queries within defined timelines; regularly following up each identified transaction and discussing it with the team lead for further action; rectifying loopholes and weaknesses identified in branches; and maintaining MIS for reported STRs/CTRs, with documentation and correspondence for the audit trail.
Required knowledge includes applicable AML/CFT laws and SBP AML/CFT/CPF regulations, identifying and assessing exposure to AML/CFT risks, assessing the AML risks of counterparties and products, transaction analysis and customer risk assessment, and the detection and reporting of suspicious transactions.
Officer-CFT Desk (OG-II)
Responsibilities include supporting and developing a counter-terrorism financing programme covering customer onboarding, customer due diligence (SDD, CDD, EDD), name screening, customer risk profiling, STRs in TF/CFT areas, record keeping and cooperation with domestic authorities on counter-terrorism measures; ensuring compliance with the entity-wide CFT programme; ensuring the assessment of the TF risk posed to the institution and the effective implementation of controls to mitigate it; serving as the focal desk for liaison with LEAs, FIA, CTD and other agencies on STRs relating to TF/PF; coordinating with SBP and other external agencies on CFT matters; and preparing case studies on terrorist incidents and developing summaries and notes.
Required knowledge includes applicable AML/CFT laws and SBP AML/CFT/CPF regulations, identifying and assessing exposure to AML/CFT risks, experience coordinating with internal and external stakeholders, and knowledge of sanctions and local and global watch lists.
Sanction Analyst (OG-II)
Responsibilities include the periodic screening of accounts; adding and deleting PPs/DPs in the Sanctions Compliance Management System (SCMS); freezing and reporting the accounts of PPs/DPs and entities; de-freezing the accounts of deleted or delisted individuals and entities; uploading the NACTA, UNSCR and OFAC lists to the SCMS; updating blacklists such as the FIA Red Book and the NAB debarred list; and the name screening of customers against the NACTA, OFAC, UNSCR and FIA Red Book lists.
Required knowledge includes applicable AML/CFT laws and SBP AML/CFT/CPF regulations, identifying and assessing exposure to AML/CFT risks, local and global watch lists, and the detection and reporting of suspicious transactions.
Service Quality Analyst (OG-II)
Responsibilities include collecting and compiling data to measure the performance of field functionaries and branches, for ranking branches on meeting service quality standards through the Zonal Manager Operations at the Zonal Office; maintaining the Service Quality MIS; analysing service quality checklists and customer feedback forms to identify grey areas and plan their mitigation; and assisting in reviewing recurring anomalies, that is breaches of service quality standards, with higher management on a quarterly basis.
Candidates should be well versed in advanced Excel, MIS management, analysis and report writing.
Customer Experience Officer (OG-II)
Responsibilities include arranging independent research and surveys to measure the level of implementation of service quality standards in the FTC regime and to gauge customers' perception of the bank; evaluating customer perception by identifying grey areas and escalating them to higher management and the respective zonal chiefs for improvement; and periodic analyses and suggestions to bridge the gaps identified through customer complaints by "Services Pitfall analysis", and monitoring their execution with all concerned.
Required skills include liaising, MIS management, research and reporting.
Eligibility
All posts require at least a bachelor's degree from an HEC-recognised institute or university, national or international.
- Officer – AML Policy, Compliance and Control Unit: At least three years of relevant experience. Preference will be given to candidates with experience in branch banking, AML and compliance.
- Head Compliance and Monitoring Unit: At least five years of relevant experience. Candidates well versed in the financial audits and reporting processes of a bank or company will be preferred.
- Account Monitoring Officer: At least three years of relevant experience. Preference will be given to candidates with experience in branch banking operations, AML or compliance in commercial banks.
- AML Analyst-TMU: At least three years of relevant experience. Preference will be given to candidates with experience in a Transaction Monitoring Unit.
- Officer-CFT Desk: At least three years of relevant experience. Preference will be given to candidates with experience in sanctions, AML or compliance.
- Sanction Analyst: At least three years of relevant experience. Preference will be given to candidates with experience in sanctions screening in AML or compliance.
- Service Quality Analyst: At least three years of relevant experience.
- Customer Experience Officer: At least three years of relevant experience.
The maximum age on the closing date is 40 years for OG-I and 35 years for OG-II. Applicants convicted by any court of law are not eligible to apply, nor is an applicant dismissed, removed or terminated by a previous employer on disciplinary grounds.
How to apply
Apply online through https://www.ztbl.com.pk/jobs by 22 November 2026. Only applications submitted online within the due date will be accepted.
Only shortlisted candidates will be called for an interview. No TA/DA will be admissible for interviews. The bank reserves the right to accept or reject any application without assigning a reason.
For any related query, contact the Head (Recruitment & Selection), ZTBL Head Office, Islamabad, at 051-9252724.
Important dates
The closing date is 22 November 2026. Age limits apply as on this date.
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