Karimi - Internal Auditor - Muscat, Oman

Murtaza Karimi

Muscat, Oman


Internal Auditor


• Review of Retail Assets & Liability Products
• Credit review of Corporate and Small Medium Enterprise
• Legal and Compliance functions (KYC/AML/Sanctions)
• Credit Risk Management
• Operational risk management framework
• Credit administration function
• Review of control framework of Retail branch network
• IFRS, Sarbanes Oxley Act-USA, COSO & Corp. Governance
• Payments Systems (ACH/RTGS/ECC/OmanNet)
• Procurement and vendor management

Work History

Manager Audit

Group Internal Audit, HSBC Bank Oman

From November 2010

Country Audit Asst. Manager, Pakistan

HSBC Bank Oman

February 2008 - November 2010

Asst. Manager

Business Advisory Services

May 2007 - February 2008

Grant Thornton, Pakistan

Assistant Manager

Almarai Company Limited

January 2004 - November 2006

Saudi Arabia

Current Job Responsibilities as Manager


January 1999 - January 2004

Jan'99 - Jan'04 Supervisor, Business Risk Advisory, Deloitte Touche Tohmatsu, Pakistan

Current Job Responsibilities as Manager, Group Internal Audit, HSBC Oman
• Develop annual audit plan using input from the team and stakeholders to identify priorities and resource requirements for the year;
• Lead integrated audit engagements and demonstrate strong leadership and ability to effectively supervise these engagements;
• Participate as an individual contributor in global audits, generally as a subject matter expert on higher risk or more complex processes.
• Lead the preparation of individual audit plans to ensure that the scope, approach, resourcing and logistics of an audit are appropriately planned and achieved;
• Plan, supervise, and execute audit engagements including developing risk and control assessment, audit program and testing strategy;
• Grade the materiality of audit findings, identify root cause and assess the overall control risk and management awareness within the audited business;
• Identify business process improvement opportunities for audited segments;
• Ensure that audit reports are impactful and thereby drive change by identifying root causes of issues and recommending pragmatic solutions;
• Foster strong relationships with the business management and maintain independence from the subjects audited;
• Ensure that audits are cost effective and that the team operates within AOP budgets;
• Coach and develop staff/guest auditor in a matrix-reporting environment.
• Monitor progress of open corrective actions as assigned and ensure that root causes are addressed through follow-up with testing and verification.

Key Responsibilities as Asst. Manager Country (Pakistan) Audit, HSBC
• Branch Audits
• Management Audits (Centralized functions at Head Office Level)
- Finance department
- Corporate & Retail
- Credit administration department
- Compliance department
- Human Resources Department

Key Responsibilities at Grant Thornton, Pakistan
• PICIC...

Qualifications & Certifications

Institute of Chartered Accountants

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