Saad Fazal Ali Khan

Results-driven Operational Risk & GRC specialist with 25+ years of progressive experience across banking, microfinance, and financial services in Pakistan and the Kingdom of Saudi Arabia. Deep expertise in second-line-of-defence control assurance, design and implementation of Basel II/III-aligned Operational Risk Management Frameworks (ORMF), RCSA facilitation & validation, KRI development, and risk appetite monitoring. Strong regulatory grounding in SBP guidelines (directly transferable to SAMA-regulated environments) with hands-on operational risk consulting experience in the Saudi market (PwC / HSM). Proven ability to translate regulatory requirements into enforceable policy, embed risk culture, and build assurance frameworks that withstand regulatory examination and internal/external audit scrutiny.