Muzaffar has 31 years of banking experience with Citi and FAB across multiple jurisdictions. As Group Head of FCC, Muzaffar is responsible for the; design, implementation and oversight of FCC program across the FAB Group. His responsibility includes coverage on; AML, Sanctions and Anti-Bribery & Corruption. Prior to joining FAB in September 2018, Muzaffar had worked with Citi for 27 years across Business (first line) and Compliance (2nd line - FCC and Regulatory) leadership roles in Pakistan, UAE, Bahrain and the UK. During his tenor with Citi in the UK, he was Consumer AML Head for EMEA (Europe Middle East and Africa) region, followed by AML Head for Corporate Investment Banking and Markets & Securities Services for EMEA. He was also the Chief Anti-Bribery and Corruption Head (interim) for EMEA, covering 53 countries. Muzaffar has degree in Commerce and Post Graduate qualification in Business Administration.