Umar Malik

Background

About Umar Malik

As the financial industry faces regulatory reform, banks must make a transformation to stay ahead of the competition. Successful financial institutions are becoming people-centric organizations, revolving their assets and processes around the needs of customers – no longer around the profitability of products & business lines. To stand out, banks need to differentiate product offerings on the basis of brand reputation, convenience, customer service and value.To guide this initiative there must be a strong leader driving change toward increased customer engagement. My name is Umar Malik, and I am that leader. Below are my specialties, feel free to call me at 832-482-7126 or email me at umarmalik72@gmail.com. Consumer Deposits Consumer Lending Banking Channels ( Branch, Internet, Mobility, Smart Devices, ATM) Credit Card Digital Banking Payments Merchant Services & Merchant Acquiring Small Business Banking Risk Management (AML, FRAUD and BSA) Retail Banking Cross Selling Relationship Management Customer Experience People Management Human Resources Performance Management Strategic Business Planning & Visioning Operations & Compliance Talent Acquisition Business Acumen & Financial Literacy Multi- Unit Management Inventory Management Shrinkage & Loss Prevention P&L Management & Income Statements Marketing Strategy Sales Management Retail Category Management New Business Development Vendor Relations Brand Development Retail Management Contract Negotiation Start- ups Procurement Retail Category Management