pam_mount.conf.xml

<?xml version="1.0" encoding="utf-8" ?>
<!DOCTYPE pam_mount SYSTEM "pam_mount.conf.xml.dtd">
<pam_mount>
  <debug enable="1" />
  <volume user="*" fstype="cifs" server="eng-home" path="%(exec userpath %(USER))" mountpoint="~" />
  <mntoptions allow="nosuid,nodev,loop,encryption,fsck,nonempty,allow_root,allow_other" />
  <mntoptions require="nosuid,nodev" />
  <path>/bin:/sbin:/usr/bin:/usr/sbin:/usr/local/bin:/usr/local/sbin</path>
  <logout wait="0" hup="0" term="0" kill="0" />
  <mkmountpoint enable="1" remove="true" />
</pam_mount>

userpath.sh

#!/bin/bash

USER=$1
U=${USER:0:1}
S=${USER:1:1}

echo -n "users/$U/$S/$USER"