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Fazal Makki has a strong work experience in the banking sector. Fazal started their career at HSBC in 1992, where they worked as a Senior Officer until 1996. In the same year, they joined Riyad Bank and held various roles including Senior Manager, Vice President & Head of Budget & Administration Section, and Vice President & Divisional Controller. Fazal worked in these positions until at least 2011.

From 1975 to 1979, Fazal Makki attended Cant Public School in Karachi, but no specific degree or field of study information is available.