Muhammad Usman Javaid

Muhammad Usman Javaid, ACA, currently serves as the Lead Enterprise Risk Management at Fatima Group since November 2020, where significant contributions include implementing COSO Enterprise Risk Management and Internal Control Frameworks, along with fostering risk awareness through the Three Lines of Defence Model. Prior to this, Muhammad held the position of Deputy Manager Accounts at Sapphire Group from November 2015 to November 2020, managing various financial operations and overseeing the finalization of monthly financial statements. Earlier experience at A.F. Ferguson & Co. involved conducting Business Process Improvement and evaluating internal controls to ensure alignment with operational and compliance objectives. Muhammad holds an Associate Chartered Accountant degree from The Institute of Chartered Accountants of Pakistan and completed F.Sc from the Board of Intermediate and Secondary Education.