Sign in

Sales Customer

New York City, NY
April 14, 2020

Contact this candidate



Cell: ***- ***- ****

Brooklyn, NY

A seasoned professional with over 10 year of international experience in Customer on boarding, KYC, Trade Finance, Treasury and Relationship Management. Well exposed to client appropriateness both on KYC, AML and regulatory compliance perspective. The above areas have given me enough exposure to enable comprehensive understanding, dexterity and proficiency in the core strategic operational tasks at all levels.

HBL Bank (New York, NY)

KYC / Relationship Officer Dec 2013- Mar 2020

Responsible for managing and analysing the branch's correspondent bank accounts.

Review and approve KYC documentation, gather research and perform CDD/EDD for existing accounts.

Perform periodic background checks against OFAC sanctions list and negative news searches for all high-risk customers.

Prepare monthly analytical reports for all incoming and outgoing transactions of the branch.

Identify transaction activity trends and escalate suspicious transactions to the BSA/AML team.

Assisted the BSA/AML team in performing review of historical transactions (wires, checks and trade finance activity) and escalate suspicious cases for RFIs.

Completed ad hoc projects consisting of coordinating and tracking regulatory audit requests, and branch remediation projects.

To partner with the Bank's clients, managing all KYC and account opening requirements with appropriate governance and controls.

Operate in an environment of strict adherence to Standard Operating procedures ('SOP's) and Operation Level Agreements (OLA's) to achieve accurate and timely account opening to help execute trades

Ensures that the transactions processes comply with Bank secrecy act/ Anti money laundering/ know your customer policy and procedures and all related financial entries.

Responsible for preparation of comprehensive CDD/EDD reviews of customers, including World Check Screening, review of customer transaction activity, geographical transactional analysis, and customer risk rating.

Follow-up with the clients for updated legal documents (USA Patriot Act, Tax Documents).

Monthly review of Actual vs. Expected activity of customers to detect deviations in customer profile.

Wood Forest National Bank (Dallas, TX)

Senior Personal Banker Dec 2012- Dec 2013

Providing advice, information and services to help customers achieve their personal and business goals.

Providing excellent customer service by offering a full range of customised financial solutions.

Building and maintaining a portfolio of customers.

Preparation of documents and processing for loan or credit card applications. Providing advice, information and services to help customers achieve their personal and business goals.

Maintain a working knowledge of the complete line of products and services offered; taking responsibility to keep up to date and request assistance for further development needs

Perform servicing duties: greet customers/prospects in the lobby and on the phone, research customer inquiries, orders check and/or debit cards, return phone calls, accept and forward wires, and other customer originated servicing needs with the intent of enhancing customer retention and exploring additional sales opportunities

Cultivate partnerships with specialist areas such as Financial Advisors, Small Business and Private Banking to obtain and provide qualified referrals conducive to marketing and sales.

MCB Bank

Senior Corporate Dealer –Treasury Division March 2008- July 2012

Responsible to grow FX & Fixed Income Sales business in coordination with interbank trading and corporate relationship managers.

Responsible for meeting sales target in order to achieve an assigned volume target and profitability by selling treasury products.

Responsible for leading a team of corporate sales dealers to effectively and profitably market the entire range of treasury products such as Foreign Exchange, Fixed Income and Derivatives Products to corporate & institutional clients.

Ensuring all the internal risk guidelines and regulatory instructions should be met even before contacting and transacting with corporate clients.

Responsible for the client appropriateness and making sure all the set documents completed before the execution of any FX, Fixed Income or Derivative transactions.

Providing customers with market insight on interest rates and currency forecast on a regular basis

Explores new products/opportunities to be offered to the clients and to develop and strengthen key customer relationships.

Coordination with branch managers / network for FX flows and Fixed income Products

Habib Bank AG Zurich

Senior Manager Trade Finance July 2001 – March 2008

Responsibility entailed negotiating Foreign Export Documents, ensuring conformity with the UCP 600 and ISBP guidelines

Worked on data gathering package exercise from trade processing centre all over country.

Verification and approving proposal documents related to trade and credit analysis

in charge of the negotiation section, scrutiny and export document drawn under letter of credit

Handling all Global trade Finance swift messages and trade payments.

Internally, co-ordinating with treasury department on a day-to-day basis for the foreign exchange rates and credit department for the credit issues.

Provide international support and advice on matters of international trade compliance.

Review contracts and other legal documents and provide guidance and make recommendations as required.

Regularly visiting importers and exporters along with corporate RMs in order to enhance the trade business and solving the outstanding issues.

Provide advice to clients, in a variety of industries, on import and export matters.


Master of Business Administration (MBA) 1998 – 2000

Hamdard Institute of Management Sciences

Certificates & Skills

MS Word, MS Excel, MS Power Point, MS Outlook

Proficiency with applications; PRIME BSA Reporter, OFAC, SURETY, ST-Pymnts, World-Check and SWIFT Alliance, Reuters and Bloomberg, Fedwire and CHIPS.

Documentary Collections under the ICC URC 525, URR 725, UCP 600, ISP98 & Incoterms from Institute of Bankers.

Letter of Credit & UCP 600 from Institute of Business Finance and Industry (IBFI).

Knowledge of Export Administration Regulation (USA).

Currently preparing for CAMS certification.

Contact this candidate