Last Updated: 9 November 2026
Author: Muhammad Imran – Educativz.com
Source: Zarai Taraqiati Bank Limited (ZTBL) “Career Opportunities” advertisement (PID(I) 4269-D/26) in Jang Karachi e-paper, Sunday 8 November 2026, page 29 and the official ZTBL jobs page www.ztbl.com.pk/jobs.
WhatsApp Group & Channel: Channel & Group
Quick answer: ZTBL jobs November 2026: Zarai Taraqiati Bank Limited is hiring for 8 posts (1 seat each, 8 seats in total by our count): Officer AML Policy, Compliance & Control Unit, Head Compliance & Monitoring Unit, Account Monitoring Officer, AML Analyst-TMU, Officer CFT Desk, Sanction Analyst, Service Quality Analyst and Customer Experience Officer. You need a Bachelor degree from an HEC-recognised university and 3 years of relevant experience (5 years for the Head post). Apply online only at www.ztbl.com.pk/jobs by 22 November 2026.
Days left: the last date is Sunday 22 November 2026, which is 13 days from today (9 November 2026). Only online applications are accepted, so do not leave it for the last night.
In this guide
ZTBL Jobs November 2026: At a Glance
| Organization | Zarai Taraqiati Bank Limited (ZTBL), described in the ad as an “AAA” rated specialized financial institution with over 500 branches across the country |
| Number of posts | 8 positions, 1 seat each (8 seats in total, our count) |
| Posts | Officer AML Policy, Compliance & Control Unit; Head Compliance & Monitoring Unit; Account Monitoring Officer; AML Analyst-TMU; Officer CFT Desk; Sanction Analyst; Service Quality Analyst; Customer Experience Officer |
| Grades | OG-I and OG-II (officer grades) |
| Qualification | Minimum Bachelor degree from an HEC-recognised institute / university (national or international) |
| Experience | 3 years for seven posts; 5 years for Head Compliance & Monitoring Unit |
| Maximum age | 40 years for OG-I and 35 years for OG-II, as on the closing date |
| Contact | Head (Recruitment & Selection), ZTBL Head Office, Islamabad, 051-9252724 |
| How to apply | Online only at www.ztbl.com.pk/jobs |
| Last date | 22 November 2026 |
| Advertisement | Jang Karachi, 8 November 2026, page 29, PID(I) 4269-D/26; the same advertisement is on the ZTBL website as a PDF |
All 8 ZTBL Posts in One Table
| # | Post | Grade | Seats | Max age | Experience |
| 1 | Officer – AML Policy, Compliance and Control Unit | OG-II / OG-I | 1 | 35 (OG-II) / 40 (OG-I) | Min 3 years; preference: branch banking, AML and compliance |
| 2 | Head Compliance & Monitoring Unit | OG-I | 1 | 40 | Min 5 years; preference: well versed with financial audits and reporting processes of a bank / company |
| 3 | Account Monitoring Officer | OG-II | 1 | 35 | Min 3 years; preference: branch banking operations, AML / compliance in commercial banks |
| 4 | AML Analyst – TMU | OG-II | 1 | 35 | Min 3 years; preference: Transaction Monitoring Unit |
| 5 | Officer – CFT Desk | OG-II | 1 | 35 | Min 3 years; preference: sanctions / AML / compliance |
| 6 | Sanction Analyst | OG-II | 1 | 35 | Min 3 years; preference: sanctions screening in AML / compliance |
| 7 | Service Quality Analyst | OG-II | 1 | 35 | Min 3 years relevant experience |
| 8 | Customer Experience Officer | OG-II | 1 | 35 | Min 3 years relevant experience |
| Total | 8 |
Qualification for every post: minimum Bachelor degree from an HEC-recognised institute / university (national / international). The age limits come from the eligibility box: 40 years for OG-I and 35 years for OG-II as on the closing date. Post 1 is advertised as OG-II / OG-I, so the grade is not fixed in the ad.
Duties and Skills, Post by Post
1. Officer – AML Policy, Compliance and Control Unit (OG-II / OG-I), 1 seat
Job responsibilities (plain words):
- On-going review of the Bank’s AML / CFT / CPF policy and keeping it updated when required.
- Make sure the Bank’s operations comply with SBP’s AML / CFT / CPF regulations issued from time to time.
- Arrange capacity-building programs on AML / CFT / CPF with the Training and Development Division.
- Make sure AML / CFT / CPF systems are upgraded as new developments come.
- Coordinate with internal / external audit and SBP audit on AML / CFT / CPF matters.
- Deal with administrative matters of all employees posted in the department and keep the record.
Other skills / expertise / knowledge required:
- Knowledge of applicable AML / CFT laws and SBP AML / CFT / CPF regulations.
- Identify and assess the exposure of AML / CFT risks.
- Experience coordinating internal, external and SBP audit.
- Coordinating training and capacity-building programs.
- Experience in handling administrative affairs.
2. Head Compliance & Monitoring Unit (OG-I), 1 seat
Job responsibilities (plain words):
- Identify and assess risks linked with business processes that can affect the reliability of financial reporting.
- Design / update business processes and internal control documentation.
- Plan and conduct periodic testing of key controls.
- Identify gaps during the periodic testing exercise and take action for resolution.
- Coordinate with and facilitate internal and external auditors during their assignments.
- Any other assignment given by the management.
Other skills / expertise / knowledge required:
- The ad prints no separate “other skills” list for this post. It says the candidate should be well versed with financial audits and reporting processes of a bank / company (preferred).
3. Account Monitoring Officer (OG-II), 1 seat
Job responsibilities (plain words):
- Internal assessment of top depositors as per SBP requirement.
- Scrutinise accounts and send deficiencies to branches for rectification.
- Monitor customer accounts, including high-risk accounts (PEPs, NGOs / NPOs / Trusts).
- Monitor CDD / EDD requirements and completion of account documentation in line with regulatory requirements.
- Review the periodic ODD exercise of customer accounts and coordinate with branches for compliance.
- Follow up with assigned branches to attend pending AML queries within defined timelines.
Other skills / expertise / knowledge required:
- Knowledge of SBP AML / CFT / CPF regulations.
- Knowledge of account-opening documentation as per SBP regulatory requirements.
- Customer Due Diligence / Enhanced Due Diligence requirements.
- Knowledge of miscellaneous branch operations requirements in commercial banking.
4. AML Analyst – TMU (OG-II), 1 seat
Job responsibilities (plain words):
- Extract and submit Currency Transaction Reports (CTRs) reported by branches to the regulatory authorities within defined timelines.
- Manage the workflow of alert monitoring in TMS, from generation of alerts until closure.
- Review and investigate the AML alerts of assigned branches.
- Prepare office notes for identified transactions to be reported as STR to FMU, for approval of the Competent Authority.
- Follow up with assigned branches to attend pending AML queries within defined timelines.
- Regular follow-up on each identified transaction and discuss it with the Team Lead for the next step.
- Rectify the loopholes and weaknesses identified in branches.
- Maintain MIS for reported STRs / CTRs, documentation and correspondence for audit trail.
Other skills / expertise / knowledge required:
- Knowledge of applicable AML / CFT laws and SBP AML / CFT / CPF regulations.
- Identify and assess the exposure of AML / CFT risks.
- Assessment of AML risks of counterparties and products.
- Transactions analysis and customer risk assessment.
- Detection and reporting of suspicious transactions.
5. Officer – CFT Desk (OG-II), 1 seat
Job responsibilities (plain words):
- Support and develop the counter terrorism financing program covering customer onboarding, customer due diligence (SDD, CDD, EDD), name screening, customer risk profiling, STRs in TF / CFT areas, record keeping and cooperation with domestic authorities on counter terrorism measures.
- Ensure compliance of the entity-wide CFT program.
- Ensure assessment of TF risk posed to the institution and effective implementation of controls to reduce it.
- Serve as the focal desk for liaison with LEAs / FIA / CTD / other agencies on STRs on TF / PF.
- Coordinate with SBP and other external agencies on CFT-related matters.
- Prepare case studies on terrorist incidents and develop summaries and notes.
Other skills / expertise / knowledge required:
- Knowledge of applicable AML / CFT laws and SBP AML / CFT / CPF regulations.
- Identify and assess the exposure of AML / CFT risks.
- Experience coordinating internal and external stakeholders.
- Knowledge of sanctions and local and global watch lists.
6. Sanction Analyst (OG-II), 1 seat
Job responsibilities (plain words):
- Conduct periodic screening of accounts.
- Addition and deletion of PPs / DPs in the Sanctions Compliance Management System (SCMS).
- Freeze and report accounts of PPs / DPs / entities.
- De-freeze the accounts of deleted / delisted individuals / entities.
- Upload the NACTA, UNSCR and OFAC lists on SCMS.
- Update the blacklist lists: FIA Red Book and NAB Debarred list.
- Name screening of customers against the NACTA, OFAC, UNSCR and FIA Red Book lists.
Other skills / expertise / knowledge required:
- Knowledge of applicable AML / CFT laws and SBP AML / CFT / CPF regulations.
- Identify and assess the exposure of AML / CFT risks.
- Knowledge of local and global watch lists.
- Detection and reporting of suspicious transactions.
7. Service Quality Analyst (OG-II), 1 seat
Job responsibilities (plain words):
- Collect and compile data to measure the performance of field functionaries / branches, for ranking branches on Service Quality standards through Zonal Manager operations at the Zonal Office; maintain the Service Quality MIS.
- Analyse Service Quality checklists / customer feedback forms, identify grey areas and make an action plan to fix them.
- Assist in reviewing recurring anomalies, i.e. breaches of Service Quality standards, with Higher Management on a quarterly basis.
Other skills / expertise / knowledge required:
- Well versed with advanced Excel, MIS management, analysis and report writing.
8. Customer Experience Officer (OG-II), 1 seat
Job responsibilities (plain words):
- Arrange independent research / surveys to measure the level of implementation of SQ Standards in the FTC regime and gauge customers’ perception about the Bank.
- Evaluate customer perception by identifying grey areas and escalate them to Higher Management and the respective Zonal Chiefs for improvement.
- Periodical analyses and suggestions to bridge gaps identified through customer complaints (“Services Pitfall analysis”), and monitoring of its execution with integration to all concerned.
Other skills / expertise / knowledge required:
- Liaising, MIS management, research and reporting.
Eligibility and Conditions (Plain Words)
| Condition | What the ad says |
| Age | Maximum 40 years for OG-I and 35 years for OG-II, as on the closing date |
| Pay | Market competitive remuneration will be offered (no figure printed) |
| Equal opportunity | ZTBL is an equal opportunity employer. Females and PWDs are encouraged to apply |
| How to apply | Only online through www.ztbl.com.pk/jobs, till 22 November 2026. Only online submission of an application within the due date will be accepted |
| Interview | Only short-listed candidates will be called for interview. No TA / DA is admissible for interviews |
| Bank’s right | The Bank reserves the right to accept or reject any application(s) without assigning any reason |
| Court conviction | Applicants convicted by any court of law are not eligible |
| Disciplinary action | Applicants dismissed, removed or terminated by previous employer(s) on disciplinary grounds are not eligible |
How to Apply for ZTBL Jobs Online (Step by Step)
The ad says applications are accepted only online. Portal screens can change, so follow what the official page shows. We did not submit any application.
Go to www.ztbl.com.pk/jobs. The same advertisement is also shown there as a PDF.
Choose the post that matches your degree and experience (for example Sanction Analyst or AML Analyst – TMU). Check the experience and age limit for the grade first.
Enter your details exactly as on your CNIC, education, experience and employer history.
Upload what the form asks for (such as CV, photo and certificates) and submit before 22 November 2026. Keep a screenshot or the confirmation.
Free tools: prepare your CV with the Educativz CV Builder, resize your photo with the Image Resizer, clean the photo background with the Background Remover, and find every utility on the Educativz Tools page.
What the Ad Does Not Say
Not printed in the ad:
- Salary figure (only “market competitive remuneration”).
- Place of posting (the ad gives only the Head Office address in Islamabad for contact; we do not assume a city).
- Application fee (none printed).
- Test date and format, and whether the job is permanent, contract or probation.
- Which OG grade applies to the Officer AML Policy post (it says OG-II / OG-I).
Interview Tips for AML, Compliance and Quality Posts
- Revise AML / CFT / CPF basics: CDD, EDD, PEPs, STR, CTR, TMS alerts and the role of FMU.
- For sanctions posts, know what NACTA, UNSCR and OFAC lists are and how name screening works.
- For quality posts, be ready to show Excel, MIS and report-writing examples.
- Prepare short real examples of audits, account monitoring or customer complaints you handled.
- Carry original CNIC, degrees and experience letters; no TA / DA is paid.
Safety Note: Apply Only on the Official Site
Read before you apply:
- Use only the ZTBL website named in the ad. Never pay anyone for a “guaranteed” bank job.
- Do not share your CNIC image, OTP or passwords on WhatsApp or Facebook.
- This article is a reading of the newspaper ad. The printed ad and the ZTBL portal are final.
Karna / Nahi Karna
Karna:
- Check the experience and age limit of your grade (OG-I 40, OG-II 35) before applying.
- Apply early; do not wait for the night of 22 November 2026.
- Match your CV to the post you choose (AML, sanctions, quality or customer experience).
- Keep your CNIC, degree and experience letters scanned.
Nahi karna:
- Do not apply if you were dismissed or removed on disciplinary grounds, or convicted by a court; the ad says you are not eligible.
- Do not pay money to agents.
- Do not apply for a post when you are below the printed experience.
- Do not use unofficial links; use only ztbl.com.pk/jobs.
More bank jobs: see all Bank Jobs and Islamabad Jobs on Educativz. Related posts: NBP Admin Officer jobs November 2026, PHDEC jobs November 2026, Meezan Bank jobs November 2026 and our earlier ZTBL jobs 2026 post.
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ZTBL Jobs November 2026: FAQs
What is the last date for ZTBL jobs November 2026?
22 November 2026 (Sunday). Only online applications at www.ztbl.com.pk/jobs are accepted.
How many posts are in the ZTBL ad?
Eight posts with one seat each, so 8 seats in total by our count.
What is the qualification for ZTBL AML and compliance posts?
Minimum Bachelor degree from an HEC-recognised institute or university, plus 3 years of relevant experience (5 years for Head Compliance & Monitoring Unit).
What is the age limit?
Maximum 40 years for OG-I and 35 years for OG-II, as on the closing date.
Can females apply?
Yes. The ad says ZTBL is an equal opportunity employer and females and PWDs are encouraged to apply.
Where will the selected candidates be posted?
The ad does not say. It prints only the Head Office, Islamabad address for contact (051-9252724).
Is there any salary figure, fee or TA / DA?
The ad says market competitive remuneration but gives no figure. No fee is printed. No TA / DA is given for interviews.
