To, Date:
29th July, 2013
The General Manager
Audit Department South
Karachi,
13th floor,
MCB Tower, I.I.Chundrigar Road, Karachi
STATEMENT
CUSTOMER COMPLAIN AGAINST BRANCH
FOR UNAUTHORIZED FUND WITHDRAWAL FROM HIS ACCOUNT MAINTAINED AT MCB SUNSET
BRANCH.
Dear Sir,
This has reference to our late hour meeting at
Audit department south 13th floor, MCB Tower, Karachi upon your
verbal urgent summon in the matter above captioned from the staff posted during
the year 2011 including me as contractual cashier deputed by PES (third party employer)
to MCB sunset branch. Please read my brief and self-explanatory statement by
the best of my knowledge for your record and necessary action.
- I was deputed by PES (third party employer) under their employment letter number Ref# people/EL/01/10/06895 dated January 14th 2010 and same was accepted by me according to their employment term and conditions.
- I performed my services at different MCB Bank Ltd Branches as contractual cashier under the supervision of TSS and BOM as well as Branch manager and later deputed to MCB sunset Branch.
- Investigating auditor Mr. Ali Jafar asked me questioned, why I activated the account this is your clarifications that being contractual cashier it is not my JD to activate & to validate/supervise dormant or inoperative accounts. On dated 16/04/2011 Branch TSS Mr. Faisal handed over deposit slip along with Rs. 100 to be deposit into customer account while posting said deposit slip due to account dormancy system required second level authorization/override and TSS entered his password to activate said account. I asked where is the customer in return TSS replied he is with Branch manager and as per TSS Mr. Faisal statement customer has also requested for manual cheque book that I am preparing as per direction of branch manager Mr. Atif Iqbal.
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| MCB Bank Ltd Account Activation SOP for Dormant/Inoperative /Unclaimed Deposit page 93 |
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| MCB Bank Ltd Account Activation SOP for Dormant/Inoperative /Unclaimed Deposit page 93 a |
- Mr. Faisal Branch Teller services supervisor executed the over rider of said dormant activation and later nothing was reported by ROM south during his visit and by compliance officer shehzada Imran and Circle compliance officer Mr. Irshad Somorro and even by annual audit inspection was conducted at year 2011 nothing abnormal was reported by any officer/authorities.
Review of Activation Process & Activation over Dormant/Inactive & Unclaimed Accounts of MCB Bank Ltd SOP
- As per financial threshold & limits defined at page no 356 for contractual cashier and as per passing schedule according to staff JD and dual control to mitigate risk and fraud prevention.
Cash Deposits by Contractual Teller SOP & Financial threshold & Limit assigned by MCB Bank Ltd p1
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| Cash Deposits by Contractual Teller SOP & Financial threshold & Limit assigned by MCB Bank Ltd p2 |
- Later on dated 06/05/2011 same customer cheque was presented by TSS/BM personally that was issued from manual cheque book and it’s override was passed by branch superior. I properly executed my JD and asked the customer presences for that I was informed sitting in branch manager cabin and cheques series was available in system and cheques was genuine and customer signature was present and was verified by bank authorities for payment.
- Next day KM MIS Department regularly issue “account change status report” to cross verify the yesterday account activities report to compare postings for upcoming audit trail and bank record. Why BOM/BM did not rectifed discrepancy if any, this shows their intention and seriousness with work.
Constitution Avenue, Islamabad |
| Muslim Commercial Bank Ltd Job Offer Letter for Officer Grade VI Cashier/Teller Services Officer Page 1 |
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| Muslim Commercial Bank Ltd Job Offer Letter for Officer Grade VI Cashier/Teller Services Officer Page 2 |
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| Muslim Commercial Bank Ltd Employee of the month award to Cashier /Teller Services Officer |
- Charge Number 1: you found negligent of debiting the account of Mr. Altaf Hussain
Umrani for Rs. 1,700,000/- without obtaining instrument/cheque on the
instruction of Faraz (DSC) and funds were credited in the personal account
of Faraz (DSC) and allowed DSC to Pass/override the said transaction by
giving your system.
- Charge No 2 : You reversed (after posting of 20 Minutes ) Rs. 2,605,200/- on dated 22.02.2012
which reportedly deposited cash in the account of Mrs. Asma Aftab without
keeping the evidences and informed entry was reversed by Mr. xxxxxx then BOM, however as per Khayaban-e-Saadi attendance register Mr. xxxx was transferred to MCB Gizri Branch on 20.02.2012.
- Charge Number 3. Amount of Rs 413,135 was deposited by Mr. Ali shahid was
apparently pocketed by you?
- Charge No 4: you followed the instruction of Branch Manager and handed over
cash of Rs. 3 Million from bank cash to DSC faraz on dated 09.08.2012 for
payment of Mr. Ghulam Arif whereas there was an insufficient balance in
DSC faraz’s account. However on the same day DSC faraz refunded that
amount from his personal resources or by pocketing amount for any other
depositor to balance the cash in hand of branch on dated 09.08.2012
- Charge No 5 : You did not keep the cash received stamps up to Rs.100,000/- safe and secure which was apparently misused by you or DSC faraz on deposit slips claimed by account holders.
Exhibit
No. 1
Yours obediently,
________________________
Muhammad
OG IV/Emp 36124
Posted at MCB .
______________________________________________________________________________
______________________________________________________________________________
Date 19th September, 2013
To,
The Honorable Mr. Iftikhar Ahmed Choudary.
Chief Justice of Pakistan, Supreme Court
of Pakistan,
Islamabad.
REQUEST TO PROVIDE JUSTICES AGAINST PREJUDICES /
INEQUALITY/DOUBLE STANDARD BASED TERMINATION FROM MCB BANK LTD SERVICE AS
OG-III/CASHIER AGAINST FABRICATED CHARGSHEET.
Most
Respectful & Honorable Chief Justice of Pakistan,
My Name is XXXXX S/o XXXXXXX resident of House No XXXXXXXX,
XXXXXXXXXXX, keamari Karachi bearing CNIC #
XXXXX-XXXXXX-XXXXXX. After completing my B.A degree program (Annexure 1) from government Degree College ofXXXXXXXXr, KPK. I was appointed by MCB Bank Ltd on the permanent cadre
of Officer Grade III/Cashier in the year 2011 in recognition of my satisfactory
services rendered for being effective and efficient employee throughout my
deputation time span since 2007 till 2011 under Third party Human resource
providing company “PES” People Employee Services based in Lahore. Copy of
certificate “employee of the month”
given by MCB Bank Ltd in appreciation of my services is attached for your kind
consideration as Annexure 2 copy of
appointment letter offered by MCB Bank Ltd as annexure 2.1
I was performing my duties in accordance with MCB Bank Ltd policy and
procedures/practices in the Khayaban-e-Saadi Branch (Code 1451) located near to
Ex-president House, bilawal House, Clifton Block 2, Marine corner Shop Number
11-16, Karachi. prior transfer of mine into Khayaban-e-Saadi Branch a third
party human resource providing company “3E Business Solution” deputed Direct
sales consultant Mr. Faraz Ahmed Memon S/o Mulla Buksh Memon bearing CNIC #
41303-0646908-1 resident of House No xxxxx street no 41, Defence Housing
Authority Phase VI, Karachi permanent address House No 15/A, Sector 2 of
Hiraabad, Near Hyderabad Jail, Hyderabad, Sindh was performing his
job/assignments since year 2010.
In the month of August or September said branch was burnt due to
electric short circuit but MCB Bank Ltd Audit team has doubt that said fir was
purposely given by culprit DSC Faraz Ahmed Memon. Soon after the reopening of
said branch customer/public approached branch manager and reported their claims
/fund embezzlements in their personal accounts along with this customer also
informed their financial dealing with DSC Faraz Ahmed Memon.
In this regard bank management has conducted departmental investigation for the public
funds embezzlement /frauds directly committed by DSC Faraz Ahmed Memon upon
customer complaints of Mr. Aslam Jamot for emblazing funds of USD 250,000 and
complain of Mrs. .Zarshan and Mrs. Zainab and Mrs. Asma Aftab and Mrs. Roshi
Umar and one fir was lodged by human resource providing company 3-E Business Solution
against culprit DSC Faraz in continuation of first complain of MCB
Khayaban-e-Saadi against third party human resource providing company. Copy of customer complaints are attached as
Annexure 4 (13 pages)
Unfortunately there is no one public figure/influential person in my
family or in area from whom I should arrange my “sifarishi call” to MCB Bank
Ltd corrupt officials of Circle office Commercial Karachi east 5003 located at
15th floor MCB Tower, I.I.Chundrigar Road Karachi management they
were constantly manipulated the departmental investigation/tempered bank
record/awarded favor to their blue eyed staff to cover up their
negligence/crime/involvement specifically DSC Faraz ahmed memon co associate
and ex mate /ex operation manager of MCB Gizri Branch 1442 Mrs. Mehwish Shah .
DSC faraz Ahmed memon arranged out of turn promotion & by using his corrupt
bank officially network to appoint Mrs. Mehwish Shah as Branch manager of his
branch MCB Khayaban-e-Saadi 1451 subsequently with his very close friend help
regional Head Miss. Tooba Leghari and General Manager Mr. Nadeem Hussain. This
is also to bring in your kind notice that, said culprit DSC Faraz Ahmed Memon
was affiliated the Pakistan people’s party and party flags was installed on his
car, since his deputation his living standard was beyond his salary and bank
management was well aware of that and they were utilizing their political
channel for their government deposit mobilization. A third party human resource
deputed staff was well connected with MCB Bank Ltd management of Commercial
Banking Group and directly with Business head Mr. Nadeem Afzal.
Soon after the fraud were surfaced after the August 2012 upon
customers/public complain it was revealed to me by audit investigation team
that, Business Head Mr. Nadeem Afzal and General Manager Mr. Nadeem Hussain
(soon after the fraud surfaces resigned and his final settlements urgently
credited in to his account no 19015169 maintained at Mehdi tower branch code
1422, shahrah-e-Faisal Karachi. It shows that MCB Bank ltd corrupt officer are
united and working in team to protect their interest and Bank reputation at
cost of public/funds to fuel up their illegal activities and wealth
accumulation.
It was in violation of bank of policy and procedure to appoint /depute
any political affiliated person into branch where public most secret financial
matters are discussed and handled/settlements are done by bank permanent staff
who family/personal record are checked and to guarantor/reference confirm their
character/nonpolitical affiliation it seems that DSC Faraz Ahmed was deputed
/appointed purposely by corrupt bank officials that are Head Of external
liability Mr. Khawaja Assad later on his replacer Mr. Ali Janjua to who DSC
Faraz Reports his activities and who Job description was to monitor his
performance in collaboration with Branch Manager but bank policy and procedure
were violated in this case.
In-fact , Circle authorities are involved and provided him safe
passage to escape, on dated 28.08.2012 Mr. Ghulam Arif case was reported to
External liability head Mr. Ali Janjua and to Mr. Mujahid by Circle authorities
and out of bank settlement was made and one hand written apology letter
against said fraud was obtained from culprit DSC Faraz Ahmed Memon under the
supervision of BH/GM (evidences available) but matter kept under the table and
no restriction were issued to branches to restrict movement of DSC Faraz Ahmed
memon. Instead he was purposefully/objectively/planed allowed 15 days leave
prior to disappear and he attempted another fraud at MCB Hotel Mehran.
Unfortunately controlling authorities were failed to protect bank interest and
their decade’s experiences is useless to read con artist actions and plans. Annexure 3
Please investigate from MCB Bank Ltd President/Disciplinary action
Committee/Group Head Audit higher authorities who were his guarantors in his
job? And who hired him and upon who’s recommendations? Why name is was
recommend for permanent slot in MCB Bank Ltd and made out of ways efforts? In
CBBG who was the weak link (Mr. Shahzeb Bhutto/channel and pawn executing his
commands? DSC faraz was not performing up to mark why his boss did not issued
him warning letter/ transferred him to other branches of same region/ not
terminated from Job being on third party contract for new business development
?
All these questions are creating doubt in my mind and seem preplanned
organized crime dramatized by corrupt MCB Bank Ltd officers.
Further this is to bring in your kind notice that, in said fraud 08
branches are affected directly or indirectly and it is not possible that all
branch’ s which are under different
zone/reporting line and their staff were interconnected and combinely committed
said fraud with mutual consent.
In fact, in the month of April 2012 Mr. Aslam Jamot made complain to
branch authorities, but matter was put in cooled storage and concealed upon
whose instruction?
ROM South (Syed Hassan Tahir Naqvi) had evidences/ and email whereas
per his information he already initiated GM/RH/BH to take serious action him,
after knowing all the information and wrong doings of culprit DSC faraz Ahmed
memon all the controlling staff did not took any legal action him/ 3 E Business
for series of mistakes. At the end he easily disappeared and meanwhile DSC faraz
Ahmed sold his House located in posh area of defense Housing Authority and
expensive/luxury vehicle (information of P.S Boat basin, Karachi) under
controlling office nose/information.
Please refer to investigation & FIR lodged at Police station Boat
Basin for fraud committed by Direct Sales Consultant Mr. Faraz Memon deputed by
3 E business solutions in MCB Bank Ltd. in their intern and final chargesheet
submitted in court of law, investigating Officer Mr. Riaz Malik was not able to
establish any connection /criminal activities/Malafied intention/Negligence in
bank policy procedure/directly involvement of mine Mr. xxxxxxS/o
xxxxxxxx and did not reported my name in said final chargesheet as accused but
instead they treated me as witness and Culprit DSC Faraz was declared as
absconder by court of law “City Court, Magistrate- J south, Karachi . Copy of Chargesheet submitted by police
station Boat Basin Karachi in honorable court acknowledgment is attached as
Annexure 5
Infact MCB Bank Ltd Audit Investigation Team South Karachi and Circle
office Commercial Karachi East 5003 also accepted and wrote in their letter of
charge that said frauds are committed by DSC Faraz Ahmed memon as per their
letter subject matter attached appended as Annexure
9 .As per their predesigned mechanism I was considered by corrupt officers
MCB bank Ltd as escape goat for other staff wrong doings and there are burden
is shifted on me. Therefore they issued me chargesheet under their letter reference
no COCKE/DISP/402 dated 28th November, 2012 along with me Branch
Manager (Mrs. Mehwish Shah) and Branch Operation Manager (Mr. Aftab Sario) and
Teller Services Supervisor (Mr. Syed Jarrar Shah) of MCB Khayaban-e-Saadi-1451
were also charged along with me but all involved staff are spared and are
working in Branch as usual/normal. In that letter I am asked to clarify and
justify pointed irregularities/chargesheet.
Honorable chief Justice of Pakistan Mr. Iftikhar Ahmed Choudary Please
let me assure you I am married & destitute men already supporting my family
/parents on barrowing loan aid from family and neighbors due to current
prevailing economic conditions and non-availability of jobs in market and I do
not have funds to establish any business on cart due to debit burden. This is for
your kind consideration that there is no complain against me ever before in my
banking career. I have always given top priority to protect bank interest because
it is my bread and butter and there is no source of income to me.
Unfortunately MCB Bank Ltd has terminated my Bank Services of 6 years
against illegal/forceful/in violation point number 5 of letter of acceptance
issued by ministry of finance for the privatization of Muslim Commercial bank
/bogus allegation/ deprived from basic services right defined by Islamic
republic of Pakistan’s constitution. Scan image of MCB Bank Ltd letter of
termination appended as Exhibit 1
I am humbly requesting honorable chief justice of Pakistan to have
mercy on me and my family and review my case under genuine factual evidences
based justification and Please inquired the matter with MCB Bank Ltd and award
justice to me & with my hungry/poor/helpless family. In absence of any
work/constant financial support to daily basic living expense with 2 children
and 2 elderly parents under prolong disease. I cannot answer their painful
questions for food and medicines and ultimately will commit suicide and will
held responsible MCB Bank Ltd Chairmen Mr. Mian Mansha and president of MCB
Bank Ltd. There is no other immediate financial support for my family.
Unfortunately I am being punished under white-collar crime by bank authorities
considering themselves God and negligence’s of my superiors. For your kind
consideration I have elaborated point wise reply against each charge for your
kind perusal.
Justification: MCB Bank Ltd audit
department/circle office commercial Karachi east 5003 corrupt officers have
framed bogus/false first charge that, I individually in violation of Bank
policy and procedure adhered in chapter 13 BRANCH TRANSACTIONAL AUTHORITIES
& THRESHOLD LIMITS and beyond
Banking system transaction limit/ restriction defined for cahier/chief cahier (Rs.50,000) cannot executed such transaction independently
and mandatorily required password of threshold limit related bank senior
officers. Therefore said bogus charge is null and void and does not fit on me. Screen short of threshold limit for online
or internal funds transfer refereed in exhibit No 4 had debited account of Mr. Altaf
Hussain Umrani for Rs. 1,700,000/- . On that day in late banking hours a fund
Transfer Application i.e. FTA (SF 100R) was
personally handed to me by Branch Manager Mrs. Mehwish Shah with direct
instruction to transfer the funds/amounts as per given detail on fund Transfer
Application -FTA(SF 100R) by debiting said customer account in compliance of
customer instruction given to Branch manager and credit proceedings into DSC
faraz’s account.
Consequently i
refused to executed/initiate said transaction on simple FTA without cheque and
referred it to my immediate supervisor that is Teller Services Supervisor (Mr.
Syed Jarrar Shah) and Branch Operation Manager Mr. Aftab Sario of that time
because i was aware that Bank policy and procedure discourages Internal funds transfer on simple
FTA (SF 100R) in absences of security instrument from customer, subsequently
said transaction was beyond my financial limits and requires supervisor authorization
and password to execute. I followed my superiors/Immediate boss orders to
executed said disputed transaction under their supervision and override
according to financial limit and dual control policy of MCB Bank Ltd. Why it
was not discovered/checked by branch supervisor (Teller Services Supervisor)
Mr. Syed Jarrar Shah by comparing daily vouchers and daily working in
reconciliation with system generated report RB-11 and later said disputed transactions
were reported to circle office commercial Karachi east 5003 under High value
Transaction report to compliance officer Mr. Arshad Ali Somorro to review
transaction effects under State Bank of Pakistan Anti Money Laundering policy
or under Suspicious Transaction Report and his comments about said transaction.
This is for
your kind consideration that said Mr. Altaf Hussain Umrani has per market
information is the proxy of Mr. Owais Muzzafar Tappi (foster brother of
ex-President of Pakistan & chairman of Pakistan People’s Party ) for
illegal property deals and other financial settlements and DSC Faraz was also
having affiliation with Pakistan people’s party and both DSC and Mr. Shahbaz
Umrani (operation mandate holder and account operator of Mr. Altaf Hussain
Umrani and its very shocking and does not any create logic why any businessmen
did not noticed that his funds are short since long and did not reported the incident
to Branch /Bank officials on time or afterwards instead said of Rs. 1700,000/-
is launched jointly with claim of another fraud committed by same DSC Faraz in
MCB Hotel Mehran for Rs. 07 Million along with two bogus pay orders. Copy of
Mr. Altaf Hussain Umrani is also attached in that complain he has accepted that
he was maintaining financial relationship with DSC Faraz Memon and out of Rs.
07 Million only two pay order amount is outstanding whereas all amount has been
paid back by DSC Faraz Ahmed memon. This is very suspicious why all complaint
have approached branch combinely and did not ever approached branch before why
all affectless are having affiliation with Pakistan people’s party these
question create doubt and why MCB Bank Ltd circle authorities are maintaining
personal relationship with culprit DSC and utilizing his political channel and
resources .
While executing
said disputed transaction nothing was observed/ noticed by my superior’s Branch
Manager Mrs. Mehwish Shah Operation Manager Mr. Aftab Sario and Teller Services
Supervisor about (DSC) Faraz deliberate and purposeful fraud intentions. This
is also for your consideration that MCB Bank Ltd Branches were doing
internal/online funds transfer under Branch manager supervision and Regional
operation Manager supervision and later on Annual Audit also inspect the Branch
record as per bank set standards and any discrepancies are notified to branch
to regularize the instances extract of MCB Bank Operational manual appended
that defines that transaction upon Funds Transfer application-FTA (SF100R) is
legitimate and process is defined further MCB Bank Branch are on daily basis
executing Outward foreign remittance upon simple Fund transfer application
(SF100 R) and there is not official restriction instead it is written to
strength the transaction a cross cheque can be obtained .
Unfortunately
all transaction involved staff are normally working in branch and I was removed
from branch and in punishment surrendered to circle office commercial Karachi
east 5003 without any assignment instead over their deputed staff told me that
hence you are removed from branch and other are working in branch it mean that
it is already been decided but to protect bank from any legal action they will
do the bogus exercise of impartial inquiry and disciplinary action meeting and
their bogus decision.
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as
Exhibit 2
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as
Exhibit 3
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as
Exhibit 4
Chapter 13
BRANCH TRANSACTIONAL AUTHORITIES & THRESHOLD LIMITS
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as
Exhibit 4.1
Justification: Said allegation is baseless and false and Mrs. Asma Aftab does not have
any legitimate proof/evidences (cash deposit slip) that she had personally deposited
said disputed amount over the cash counter of Bank in compliance of State bank
of Pakistan (Regulator) and MCB Bank Ltd policy and instruction also affixed on
cash counter glass. For your kind consideration there is nothing written in her
complain that cash of Rs. 2,605,200 were deposited by her and said amount transaction
is not appearing her account statement as of 20.02.2012. Logically and legally
I would request your kind authority to review the Mrs. Asma Aftab written
complain given to Branch Manager against his funds embezzlement copy attached as Annexures
6 she does not have any claim for quoted /bogus charge framed upon said
transaction of Rs. 2,605,200. When customer has no claim why audit and MCB Bank
ltd have illegally /falsely charged me.
Further to be
noticed that, cash entry of Rs. 2,605,200/- was reversed on dated 20.02.2012 in
compliances of MCB Bank Ltd policy and procedure of dual control /joint
operation /passing & signing schedule the supervision of my immediate Boss
Teller services supervisor Mr. Syed Jarrar Shah with his password as second
level supervisor and later on end of day voucher checking by Branch operation
Manager review of each transaction with comparison I with report RB 11 and his sign
off/authorization for record safe custody.
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as
Exhibit 5
Since
20.02.2012 till complain date 17.09.2012 for 7 months she did not made complain
to branch or did not personally meet with branch manager of operation manager
or did not lodge complain at MCB Call center about her funds embezzlements or
in contrast she purposely gave DSC Faraz Memon said disputed amount in
collaboration to make claim against bank and jeopardize jobs of innocent bank
staff and MCB bank ltd without any fair trail sentences me termination from
bank services.
Let me brief
you about actual situation of that on dated 20.02.2012 (DCS) Faraz presented me
cash slip along with cash of different denomination. I inquired matter why you
are depositing such huge funds (Rs. 2,605,200) into unknown customer account
and refereed that matter to Teller Services Supervisor for proofing/validation
after my immediate boss Teller services supervisor confirmation /authorization
in return he affixed his entitled cash stamp “Cash received above Rs. 100K” and then i posted said cash slip
under the financial/passing schedule/ under joint operation/ bank specified threshold
limit/posting restriction system forwarded password pop-up menu to my
supervisor he passed said slip by entering
his password /consent/approval. Later upon scrutiny of physical cash for
few doubtful notes I informed my supervisor and requested DSC Faraz Memon to
replaces same with other good notes upon quarrel and not replacing the doubtful
notes my immediate boss TSS Mr. Syed Jarrar Shah refused to accept such notes
on bank behalf. Consequently upon BOM and TSS instruction information/notice TSS
revered cash entry of Rs. 2,605,200/- by entering his password and passing over
ride in to banking system and also wrote his remarks against said in RB-11
daily all transaction report and reversals and approved by signoff of same
sheet. Therefore we handed over the cash to depositor DSC Faraz upon biases of
as it was handed over at cash counter in presences of bank staff and CCTV
recording.
In fact branch
manager /operation manager/Teller services supervisor did not filled the CTR
from in compliance of Bank policy to report the said cash transection above Rs.
2500,000/- in to CTR application and infact circle office authorities including
ROM/RH/Compliance officer / and SBP reporting unit & AML Compliance
department failed to notice the posting of said transection and did not inquired
the reason for reversal and they remain negligent to mitigate the risk exposure.
Therefore said charge is bogus and it seems predesigned/fabricated misfit allegation
on me and is beyond scope of job description I signed and said false charge
should be withdrawn from me. Further investigating auditor Mir Arshad forcefully under job threat
made me to write the name of Mr. Shahzad Hashim instead of Aftab Sario then
Operation Manager and Branch Manager Mrs. Mehwish Shah.
In my defenses
please read MCB Bank Ltd policy and procedure/practice defined in their
operation manual that is designed in accordance with State Bank of Pakistan
(Regulator) policy/circulars/SRO which are designed in consideration /in
alignment with government of Pakistan instructions/ordnances/act /ministries
defined time to time.
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit
6
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit
7
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as
Exhibit 8
Justification: I completely disagree
with MCB Bank Ltd false allegation /chargesheet framed on me considering me
less powerful /poor/destitute/illiterate and I was made silent by circle
authorities not to complain anything to MCB Bank ltd president and any other
government authorities that will against you because I have signed code of
conduct in that I have gave up me basic rights of self defence & innocence.
MCB Bank Ltd
has wrongfully/in violation & beyond scope of their operation manual has
charged me for pocketing Rs. 413,135/- cash deposited by Mr. Ali Shahid.
Honorable chief justice of Pakistan Mr. Iftikhar Ahmed Choudary I would request
you to inquired the matter from MCB Bank Ltd Official/concerned staff to
proof/provide any evidence as per their allegation that “Amount of Rs 413,135 was
deposited by Mr. Ali Shahid” by personally visiting the branch at MCB
Bank Ltd Khayaban-e-Saadi branch’s cash counter and disputed cash was handed
over to me. I already told MCB Bank Ltd and authorities of police station Boat
basin Karachi during their investigation of said matter that Mr. Ali Shahid did
not visited the branch on 09th August 2012 to deposit the cash
himself as evident from his complaining email dated 10-September, 2012 attached
as Annexure 7. Further after one
month despite their office staff obtained regular account statements as per
routine why their accounts department staff and Mr. Ali Shahid did not notice
shortage of funds /missing cash transactions entry. Along with this let me
further inform you that Mr. Ali Shahid Staff Mr. Ashraf Ali was maintaining
personal relationship with DSC Faraz. Mr. Ashraf Ali also maintaining account
no 2911 in same MCB Khayaban-e-Saadi branch sold his brand new 2011 Toyota Vitz
car against Rs. 890,000/- and said funds were transferred/credited online by
MCB Gizri branch (Hub of fraud activities)
on simple funds Transfer Application # 504636 on dated 10.08.2011 debiting online/remotely
account of Mr. Rafiq Ahmed Jamali another Pakistan People’s party MNA elected
from District Dadu, Sindh through fake
signature done by DSC Faraz (as per audit report). Both Accounts were
maintained at MCB Khayaban-e-Saadi Branch but MCB Gizri involved/Malafied staff
debited and credited funds online upon request of DSC Faraz. Copy of FTA is
attached as Annexure 8
During my
services tenor in MCB Bank Ltd, there is no single complain against me during
my posting in MCB Khayaban-e-Saadi-1451 including my pervious branch, you can
search my bank /character record and I am never charged before by bank or any
other authorities. Let me assure/guarantee you said cash and slip were never
presented to me at cash counter and I had never personally collected said cash
from complainant Mr. Ali shahid’s rider you can review the Branch CCTV video
recording of that day, further said slip does not have my signature or initial
on it and stamp is also fake/forged because stamps are always kept under cash
department & under dual-control / supervision of TSS and BOM.
In fact police
stations Boat Basin Karachi has conducted inquiry/investigation upon complain
of 3E Business Solution company third party human resource supplier and later P.S
Boat Basin upon completion of inquiry submitted interim and final challan
/charge sheet to honorable court of Judicial Magister south, city court Karachi
copy P.S Boat Basin chargesheet upon
accused DSC faraz is attached as Annexure 5 even they did not framed me any
charges /allegation on me instead they reported me as witness in same disputed transactions.
Then why MCB Bank Management is shifting the fraud burden of other involved
staff on me whereas i was lowest in branch hierarchy and working in capacity of
chief cashier under supervision of BOM and TSS and BM. Therefore said
allegation must me withdrawn and no disciplinary action should be done against
bogus charge. Copy of customer complains
is also attached as annexure 7
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as
Exhibit 9.
Justification: I completely disagree
with said bogus/evidence-less charge and allegation farmed on me. On dated
09.8.2012 I never gave Rs. 03 Million to (DSC) Faraz during whole banking day
upon instruction of Branch manager Mrs. Mehwish Shah further it was not
possible for branch to pay sudden/without notice such huge amount to anyone and
as per branch practice branch operation manager/branch manager book the
required cash from cash house and deliver the same to customer upon delivery to
branch. During my posting at Khayaban-e-Saadi or specifically on dated
09.08.2012 I never gave bank’s cash to DSC Faraz this can be confirmed /cross
verified by my immediate boss Teller services supervisor Mr. Syed Jarrar Shah sitting beside by along with another cashier .
All branch staff were present and were working as usual /normal as per bank
procedure and my BOM made many visit in cash department nothing was found suspicion
or in violation of bank policy.
If Mr. Ghulam
Arief matter was disclosed to branch manager and Mrs. Mehwish Shah was aware
that (DSC) Faraz has made embezzlement with said client, why she did not warned
branch officials and management on time to be vigilant and more careful, she is
deeply involved with (DSC) Faraz and was the beneficial with him. On dated
09.08.2012 I opened and close cash under the supervision of TSS/BOM and wrote sharoof
Book/cash book as well as cash movement from cash valuate to cash counter on
cash movement register as per bank policy and procedure and performed all my
duties under the close supervision of my immediate boss Teller services
supervisor Mr. Syed Jarrar shah later at end of day/summarization of cash and
closed the cash as per bank sharoof book/cash book under the bank cash closing
exercise done by Branch Operation Manager by checking each notes bundle and
packets for confirmation you can review dated 09.8.2012 cash book of branch.
As per
handwritten confession obtained by circle office commercial Karachi east 5003
General manager Mr. Nadeem Hussain who already resigned and runway under
arrangement made by Business Head Mr. Nadeem Afzal in presences of Mr. Ali Janjua
who also resigned and runway upon instruction of Deeply involved Business head
as per said confession DSC Faraz accepted his crime of funds embezzlement of
public funds including Mr. Ghulam Arif who is also affiliated with MQM and has
worked in Sindh government on the position of secretary . As per my information
MCB corrupt officer first attempted to cam the customer Mr. Ghulam Arif by
offering him out bank settlement for his embezzled funds in surety/guarantee of
no complain to bank president. Therefore all the information was kept under the
table till last minute culprit DSC vanished along with public funds. I would
request your kind authority to refer the DSC Faraz hand written confession to
FIA technical department of the confirmation of his hand writing. Copy of confession as attached as Annexure
11
Therefore this
allegation is based on rumors and no evidence is available with MCB Bank Ltd
hence no charge should be framed on this baseless allegation upon corrupt
deeply involved branch manager Mrs. Mehwish shah who was promoted to branch
manager upon arrangements made by DSC faraz to his ex-branch mate and very
close friend. Thus the audit findings are baseless and totally fabricated just
diver the attention from actual crime committed by MCB corrupt officials and
protect their jobs/malpractice. Therefore bank cannot terminate my against said
baseless allegation in absences of substantial evidence and I would request
honorable chief justice of Pakistan to take serious action against MCB Bank Ltd
corrupt officer and bring them to justice and set a precedence against such
institution which were handed over in the name of privatization and corruption
and the bank management is constantly violating the basic clause pertaining to
employee jobs security /safety as it was defined in letter of acceptance issued
by ministry of finance.
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as
Exhibit 11
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as
Exhibit 12
Justification: I completely disagree
with said bogus charge/allegation on me. Honorable chief justice of Pakistan I
would request you to appoint impartial inquiry team to investigate the matter
and bring culprit and his associate corrupt MCB Bank Ltd officers and bring
them to justice for their terror and taking away the respect and dignity by
awarding innocent staff blame and burden of corrupt bank officers. That are
Regional operation manager of Circle office commercial Karachi east 5003 Mr.
Syed Hassan Tahir Naqvi already answerable/charged in many case in banking
court and other courts deeply involved in corruption and I would request you to
review his account statement of pervious and newly opened account will finds
links of kickbacks/bribes/monthly extortion cum protection money . Secondly Mr.
Nadeem Hussain General Manager of Circle office commercial Karachi east 5003
who resigned and runway to USA after letter received from Honorable Human right
cell of Supreme Court of Pakistan of clarification in the matter complaint lodge
by Mr. xxxxxxx Ex BOM of Khayaban-e-Saadi.
Sir in the
Name of Allah all mighty & to whom I
have to submit my life and to whom we will return after death and read kalmia
Mubarak “ La e la ha Elilal aha
Muhammadur Rasool lulah” Let me guarantee you that I never handed over cash
stamp “ Cash Received -Stamp valid Rs. 100K “under my custody there is never
single instance since my posting where
stamp under my custody has been reported mis-used; I performed duties and assignment well above standards in
compliance of my singed job description /instruction and pursuance of order
passed to me time to time . I was fully vigilant for the stamps which were
under my custody “cash paid” affixed on cheques & cash Received Less then
Rs.100,000.
It is evident
form Audit investigation that DSC Faraz made arranged fake / illegal stamps and
was constantly receiving cash from his familiar customer in blind trust by them
on DSC Faraz and has affixed same fake stamps on customer deposit slips. All
the disputed slips does not have my signatures/ initials on it and I am not
responsible for the crime DSC Faraz Has committed with public by position /job
given by bank to thug DSC without monitoring his activities. Further your kind
authority will notice that all the affected customers were maintaining very
close relationship and they mostly visit branch and meet only DSC Faraz.
It was the
responsibility of Branch Manager /Area Sales Manager /Regional head to whom
said culprit DCS was in reporting line and they were job description
/responsibility was to check the activities of DSC Faraz and why customer were
maintaining beyond limit/trust relationship with him . Branch manager Mrs.
Mehwish shah also failed and did not interfered on time while DSC Faraz was
establish relationship to cheat them later. As per bank policy branch official
stamps are under dual control of Chief Cashier and TSS/BOM whereas i always
protected bank interest rather then self interest as it my family bread and
butter. I always deposit cash received stamp in cash vault while my TSS/ BOM
inspect and recheck them at the time of cash closing & matching its figures
with cash book. As few other instance of embezzlement were reported to branch
where (DSC) faraz has affixed (DAK Received Stamp) on cash slip.
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit
10
In view of above citied justification in my defence in absence of
actual questioned evidences no supporting attitude by circle authorities
instead the remove me from branch and posted me at circle office commercial
Karachi east in punishment even before examining the incident
evidences/circumstances and without giving me any chances to prove my
innocence/fair trial. Consequently it is evident from the MCB Bank Ltd prefabricated
inquiry in the name of impartial injury/bogus annual audit examination/
predesigned branch rating/ No proper coaching counseling given by higher authorities/no
certification was awarded to improve/No improvise services standards training/ No
medical coverage for elderly parents despite institution making billion of
Rupees profit after tax and same is also not properly dispenses amount
shareholders. Further there is no transaction reported by any customer that
directly involve me for pocketing public funds/or banks funds in to my own
account or for personal use satisfaction.
Unfortunately
MCB Bank Ltd has lodge complain into Federal investigation Agency economic
wing, commercial banking circle, located at Sindh secretariat barrack no 66,
Karachi and purposely nominated my name
as accused in predesigned /fabricated scheme for insurance claim/compensation
further I am telling you advance no claim will be settled by M/s Adamjee
Insurances owned by same chairman Mr. Mian Mansha and his active group and later
they will lodge write off from bank own profit and will gain the tax shield and
tax refund for same. This action was also very painful for me it is MCB Bank
Ltd routine practice to lodge complains in FIA against his own innocent staff
for fraud committed by main culprit despite crime action /crime scenes point
out the actual culprit. It is not possible for me to arrange lawyer and pay his
legal consultation fees to obtain justice in current Pakistan situation.
Therefor I am
requesting your honorable chief Justice of Pakistan Mr. Iftikhar Ahmed Choudary
to review my request on humanitarian ground and my sympathical appeal to do
justice with me and with my destitute family because there is no other source
of income for me and for them due to current economic condition and Job recession
and ever increasing cost of living due to inflation and government policy. I am
notable to feed them and not in condition to bear the cost of living
unfortunately as this lower grade job it was not possible for me to save for
rainy day where as I am already in debit burden of my neighbors and cousin.
This is very discouraging for me and I am not able to stand/face my family that
I am not in position to feed innocent
babies once in a day Please in the name of Allah mighty mercifully please
please help me and award me justice and
compensation from such cruel / selfish/ corrupt bank officer under the
influence and power invested by bank and they are getting salary /annual
increment/bonus in many hundred thousand and there is no one to check them and
control them monitor their false activities and they continues such cruel/harsh
decision on innocent lower grade MCB dedicated
staff under the protection and name of audit inspection and fake /bogus impartial
departmental inquires by internal officer already working under their command
& control and getting salary from their payroll. How come they will do impartial
inquires its open rape/insult of constitution of Pakistan and justice system
without any fear and any punishment by MCB Bank Ltd.
This is
further to inform you, MCB Bank Ltd
banking application is outdated/no functional/ risky/ un accurate and
there are several incidents of no collection of government tax from customer
transaction or tax on bank services. And there is no proper actions are taken
by concerned department.
Anticipating
quick remedy and action against MCB Bank Ltd and their corrupt officers and
improvising in banking law and Bank employee protection and safety. I would
request you to instruct State Bank of Pakistan to strictly review the
performances of privatized banks and their corruptions.
May Allah give
you more strength and power as you are the last hope for justice and no other
person in Pakistan? Can replace you and your contributions to make Pakistan
more sovereign /stable country, therefore Allah al might selected you/appointed
you to give justices “adal” to deprived destitute people like me. Please help me to restore my self-esteem
/dignity/honor by ordering MCB Bank Ltd concerned to restate me or assign me
any assignment at back office support just to feed my children and not make
jobless with no future and financial support.
Yours truly,
Encl:
Annexures
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