Website Soneri Bank
Soneri Bank is inviting applications for the position of CTO Guarantees Officer within its Centralized Trade Operations (CTO) department in Karachi. The opportunity is aimed at experienced banking professionals with practical expertise in bank guarantees, trade operations, regulatory compliance, guarantee documentation, and core banking systems.
Candidates should have at least a graduation degree and 3–5 years of experience related to bank guarantees at OG-I level. Strong knowledge of SBP Foreign Exchange Regulations, URDG 758, ISP98, AML/TBML requirements, and guarantee-related legal documentation is particularly important for this position.
The application deadline is 15 October 2026.
Job Overview
Bank: Soneri Bank
Position: CTO Guarantees Officer
Department: Centralized Trade Operations
Location: Karachi, Pakistan
Qualification: Minimum Graduation
Experience: 3–5 years related to bank guarantees at OG-I level
Application Deadline: 15 October 2026
Application Email: [email protected]
Employment Policy: Equal Opportunity Employer
What Is a CTO Guarantees Officer?
A CTO Guarantees Officer works within a bank’s centralized trade operations function, with a particular focus on bank guarantees and related trade-finance activities.
Bank guarantees are instruments through which a bank provides an undertaking on behalf of its customer in favor of a beneficiary, subject to the terms and conditions of the guarantee.
Because guarantees can involve significant financial, legal, regulatory, and compliance considerations, professionals working in this area need a strong understanding of guarantee rules, banking regulations, documentation, and internal controls.
Soneri Bank is therefore seeking an experienced professional rather than an entry-level candidate for this vacancy.
Key Knowledge and Responsibilities
The advertisement emphasizes both technical knowledge and professional capabilities required for the position.
Bank Guarantees
Candidates should have 3–5 years of experience related to bank guarantees.
Applicants should therefore clearly highlight previous responsibilities involving guarantee processing, documentation, amendments, issuance, claims, expiry or closure, and related operational controls wherever these genuinely reflect their experience.
The specific transaction activities above are general examples of guarantee operations and are not all individually listed as mandatory duties in the advertisement.
SBP Foreign Exchange Regulations
Candidates should be well-versed in State Bank of Pakistan Foreign Exchange (SBP FE) Regulations.
This requirement is particularly important because trade and guarantee transactions may involve regulatory requirements that banks must follow when processing transactions and maintaining appropriate documentation.
Candidates should mention relevant practical exposure to SBP regulations on their CV rather than simply listing “regulatory knowledge.”
URDG 758
Soneri Bank specifically requires familiarity with URDG 758 — Uniform Rules for Demand Guarantees.
URDG 758 is an internationally recognized framework published by the International Chamber of Commerce for demand guarantees.
Professionals working with guarantees need to understand how guarantee wording, presentation requirements, demands, expiry conditions, and other provisions interact with the applicable rules.
ISP98
Candidates should also be familiar with ISP98, or International Standby Practices.
ISP98 provides internationally recognized rules for standby letters of credit. Knowledge of these rules is particularly useful for professionals dealing with international guarantee and standby instruments.
AML and TBML
The position requires knowledge of AML/TBML policies and frameworks.
AML refers to Anti-Money Laundering, while TBML refers to Trade-Based Money Laundering.
For a trade operations professional, this means understanding the compliance risks associated with financial and trade transactions and ensuring that activities are processed within applicable regulatory and internal-control frameworks.
Stamp Duty Act and Legal Vetting
Soneri Bank is also looking for candidates with a considerable understanding of the Stamp Duty Act and experience in the legal vetting of guarantee drafts.
This indicates that the role requires more than routine transaction processing. Candidates should be comfortable reviewing guarantee documentation and coordinating around legal and regulatory requirements.
Applicants with experience reviewing guarantee wording, identifying documentation issues, or coordinating with legal and compliance teams should clearly highlight this experience where applicable.
International Certifications
The advertisement states that preference will be given to candidates with international certifications related to guarantees.
Such certification is therefore an advantage rather than an explicitly stated mandatory qualification.
Candidates holding a relevant international trade-finance or guarantee-related professional certification should prominently mention it on their CV.
Core Banking Systems
The successful candidate should have a good command of core banking systems.
Soneri Bank specifically states that preference will be given to candidates with experience using:
Temenos T24
Payment Safe
Applicants with hands-on experience using these platforms should clearly state the systems they have worked with and, where appropriate, the type of guarantee or trade-processing activities they performed through them.
Microsoft Office and Excel
Candidates should also have a good understanding of Microsoft Office applications, particularly Microsoft Excel.
For an operational banking role, Excel can be important for maintaining transaction information, reconciliations, monitoring, reporting, and other operational analysis.
Candidates should mention practical Excel proficiency on their CV, particularly if they regularly use spreadsheets for banking operations or reporting.
Communication and Interpersonal Skills
Soneri Bank requires candidates to have good interpersonal and communication skills.
A Guarantees Officer may need to coordinate with multiple stakeholders across trade operations and other banking functions. Clear communication is therefore important when dealing with documentation, regulatory requirements, transaction issues, and operational deadlines.
Ability to Work Under Pressure
The advertisement also seeks someone capable of working under pressure and independently managing a large team in challenging situations.
This indicates that candidates should be comfortable handling demanding operational environments, deadlines, and complex situations while maintaining accuracy and compliance.
Candidates who have previous team-management or supervisory experience should clearly describe this responsibility on their CV.
Eligibility Criteria
Candidates interested in the Soneri Bank CTO Guarantees Officer position should have:
Education: Minimum Graduation
Experience: 3–5 years of experience related to bank guarantees at OG-I level
Location: Karachi
Technical Knowledge: SBP FE Regulations, URDG 758, ISP98 and AML/TBML frameworks
Legal Knowledge: Understanding of the Stamp Duty Act and experience with legal vetting of guarantee drafts
Systems: Good command of core banking systems; T24 and Payment Safe experience preferred
Software: Microsoft Office, particularly Excel
Additional Advantage: International certifications related to guarantees
Who Should Apply?
This vacancy is particularly relevant for experienced trade-finance and banking operations professionals who have already worked extensively with bank guarantees.
Professionals currently or previously working in areas such as Trade Operations, Centralized Trade Operations, Trade Finance, Guarantees Operations, or related banking functions may find their experience closely aligned with the position.
It is not primarily a fresh-graduate opportunity because the advertisement specifically requires several years of relevant guarantee experience.
How to Apply
Interested candidates should prepare an updated CV highlighting their experience with bank guarantees, trade operations, SBP regulations, URDG 758, ISP98, AML/TBML, guarantee documentation, legal vetting, core banking systems, and team management, wherever applicable.
Applications should be sent to:
Soneri Bank specifically instructs applicants to mention the position title and location in the email subject line.
A suitable subject would be:
CTO Guarantees Officer – Karachi
The last date to apply is 15 October 2026.
Only shortlisted candidates will be contacted for an interview.
CV Tips for Applicants
Candidates should avoid submitting a generic banking CV. Since this vacancy is highly specialized, the CV should make bank-guarantee experience immediately visible.
Mention the number of years you have worked in guarantees and describe your exposure to URDG 758, ISP98, SBP FE Regulations, AML/TBML controls, guarantee draft vetting, Stamp Duty requirements, T24, Payment Safe, and Excel wherever these accurately reflect your experience.
Candidates holding international certifications relevant to guarantees or trade finance should place them prominently in the qualifications or certifications section.
Final Job Details
Position: CTO Guarantees Officer
Bank: Soneri Bank
Department: Centralized Trade Operations
Location: Karachi, Pakistan
Qualification: Minimum Graduation
Experience: 3–5 years related to bank guarantees at OG-I level
Important Knowledge: SBP FE Regulations, URDG 758, ISP98 and AML/TBML
Systems: Core banking systems; T24 and Payment Safe preferred
Application Email: [email protected]
Email Subject: CTO Guarantees Officer – Karachi
Application Deadline: 15 October 2026
The Soneri Bank CTO Guarantees Officer vacancy is a specialized opportunity for experienced trade-finance professionals with a strong background in bank guarantees and related regulatory and operational requirements. Candidates whose experience matches the advertised criteria should tailor their CV around their guarantee expertise and submit their application by 15 October 2026.
To apply for this job email your details to trade.careers@soneribank.com