Wajiha Muhammad Saeed

Mobile Number Canada +1-647-***-**** – adtvny@r.postjobfree.com

KEY SKILLS

Understanding of Anti-money laundering procedures and laws, transaction/suspicious activity monitoring Have knowledge with AML, Advisory and other applicable risk, regulatory polices as Fintrac OFAC. USA PATRIOT Act (Sections 314(a) and 314(b) requests).

Conduct and support the investigating process and discuss the preventive measures and demonstrate skill and proficiency in the AML field .Am keen on learning other functions of the industry as well and take up new challenges to upgrade my skills.

Certificate- (CAMI) Certified anti money laundering investitigator

Professional Experience

IBM – Compliance ANALYST (EDD & TMS) Nov 2021 - April 2022 (Contract)

Support the design, testing, and production of regular client data reports from Client On boarding system of record. Corresponding to Compliance and first line of defence procedures

Managed compliance monitoring function for online assets to ensure the activities carried out by various business units are compliant with the applicable regulations, Central Bank regulatory requirements and industry standards. Ability to liaise with clients and internal stakeholders

Perform Quality Assurance reviews of KYC profiles to determine if the review,evaluates, and resolves alerts generated through the screening of names of individual,co-operate clients ( private /public entity )

Support the ongoing and periodic evaluation of existing and new QA tools and solutions to address changing business needs and emerging risk.

Present issues and resolutions to various audiences including analysts, management, clients, regulatory authorities and other internal and external stakeholders.

Identify gaps and deficiencies in internal and client processes, policies and procedures as well as create and implement corrective action plans and training programs Participate in the development and implementation of review policies, checklists, goals, objectives and procedures.

Conduct QA analysis for new customer or periodic review Customer Due Diligence (CDD) or Enhanced Due Diligence (EDD) reviews using various AML case management systems Coordinate and liaise with various departments (Anti-Financial Crimes, Negative/Adverse News Screening, world check,ofac advisory Quality Control, etc.) to ensure quality files are produced.

Make accurate and complete reporting of each completed and attempted suspicious transaction ensuring consistency with guidelines outlined within the AML FIU

ENBD ( Emirates NBD )- Senior AML & COMPLIANCE ANALYST MAY 2021 - OCT 2021

Review and monitor accounts for AML activities (i.e. suspicious activities / transactions) generated by AML Monitoring system in line with the KYC/AML policy and Compliance SOP of the bank. to ensure they meet specific customer due diligence Monitor SAS AML System and conduct appropriate reviews to facilitate closure of alerts or further investigation/reporting.

Conduct AML enquiries/ investigations, liaising with other members of the team, clients, investors, investment managers; law firms and other third parties in various international jurisdictions.

Coordinate AML E-learning data for Business ensuring all staff complete and submit their confirmations

Partner with Relationship Management and Compliance teams to assist with the preparation, development, due diligence and approval of the electronic Know Your Client (KYC) record

Conduct KYC due diligence searches, reviewing existing client information, obtaining public documents,by obtaining information from internal and external sources (firm website, regulatory websites, etc.)

Ensure KYC records incorporate local regulatory requirements / Global Business Support Unit (BSU) Standards

FAB – Manager RISK & compliance SEP 2020 - DEC 2020

Knowledge of AML and OFAC regulations approve/reject case relating to Low,Medium & high risk

Analyze KYC documentation (New or exisiting ) Name screening, complex ownership structures financial statements and negative /adverse media news in order to determine Client Risk Profile & forward the cases to AML or Fraud team as and interfacing with regulators.

Supports the Associate Director, Client Onboarding Reporting and Analytics, to provide timely, relevant and accurate data analytics & MIS to assist with ongoing design and coordination of KYC and Regulatory onboarding activities and ensure ensuring business strategies, plans

Review watch list/transactions and client alerts generated in the SAS CDD system, for money laundering, terrorist financing and violation sanction and apply risk mitigation measures

Identify politically exposed people (PEP), heads of international organizations (HIOs), persons of interest and designated persons presenting a higher risk potential for AML. Work with Team Leads (Makers)

Train new/existing staff and conduct 4 eye QC checks in Business (Makers /Business coordinators /RM) s based on the regulatory and Compliance EDD policy requirement and best practices to be implemented.

HSBC – Team Lead GLOBAL Sanction DUE Diligence – ( Financial Crime Compliance ) (Dec 2016- APR 2020 )

Perform KYC due diligence, PEP, Sanction & Negative Media screening, financial crime risk assessment and compliance Regulatory Classification (e.g. OFAC /FATCA/CRSA with regulatory requirements in the Mena/EU/Asia Pacific regions./USA regions & act as subject matterfor background information for review and final decision making conduct client due diligence and sanctions risks

Analyse and act on instructions received from originating business unit /compliance department. Refer false positive matches and make recommendations to the maintenance of Good Guy list in a concise and detailed manner.

To complete due diligence and monitor existing clients to rule out money laundering/terrorist financing/sanctions risks, investigate and report unusual/suspicious cases to respective department in order to comply with regulatory requirements and mitigate risk for the bank.

Devised and conducted training programs for front-end staff on compliance .QC /4 eye check review performed on new joiners and conduct training through different media platform to raise awareness of Sanctions trends, emerging issues, remedial actions or enhancements.

Experience in first line of defences( on boarding,periodic) or Compliance related projects

Mashreq Bank -FATCA SPECIALIST (Feb 2016 –April 2016)

Review of Corporate, & Sme accounts according to regulations, bank policies and procedures on flex cube.

Investigate escalations on various FATCA Tax forms and perform reporting on FATCA classification on US specified and Non-US specified. conduct KYC on all Kinds of FATCA Tax form. (W9,W8,W-8BEN,W-8ECI,W-8IMY,W8-EXP) and Identify the TIN/EIN SSN/FEIN number based on location and entity status (Specified USor Non Specified US)and perform remediation process on Entity self certification and Individual self certification

Emirates NBD- Compliance Analyst (Retail Banking ) (Feb 2014 -May 2015)

Review of Individual,and Corporate client’s documents as per KYC documentary checklists of Compliance

Generating the IBAN number for blocking of high risk accounts .

Checking of all account opening forms before opening of account Such as (KYC, MOA, AOA,Trade License,POA etc and to identify higher risk accounts (Iran & Usa UBO’s) .( FATCA form declaration duly filled,Hawala & PEP check).

Training of new on boarding staff for project. Monitoring of advisors, sales, CRM, etc, to identify any potential violation of internal and external Codes of Conduct or regulations as pertains to services delivered to customers.

Serve as back up to the team lead, overseeing the compliance department operation, addressing business requests and escalating any issues to the Manager of Compliance.

Conduct quality checks and other scheduled and report to Director any cases that would require management attention.

Noor Islamic Bank - Retail Credit Anayslst (Secured & Unsecured Loans ) (Aug 2013 - Feb 2014)

Work in partnership with Manager for underwriting process of the consumer and commercial loan.

Carrying out rigorous Central bank black list and Fraud Checks to ensure customer credibility. Carrying out CPV-Contact Point Verifications for Consumer finance

Responsible for reviewing, analyzing loans & financial statements, and applicable ratios for Self Employed, Company and Salaried

Reporting suspicious transactions after reviewing of bank statement analysis

Study of Audited Financials of companies proposing for higher exposure & preparing financials as per requirements to analyze important ratios such as Leverage ratio, Debt-Equity ratio emphasizing cash flows

Coordinating and resolving any irregularities in transactions with Relationship Managers.

Ensuring all pre disbursement conditions are complied with necessary requirements as Letter of Intent

Emirates NBD -HR Staff Retail Credit Advisor (Dec 2012 -JUL 2013)

Handling of EX staff & responsible for the entire EOSB Calculation process and Imparting decisions on proposal of all staff loan, – approving/declining and all Loan Enhancements, Restructuring, Rescheduling and Deferments

Undertaking Credit Risk related functions pertaining to the following products- Personal Loans,Auto loans,Credit Cards & Home Mortgage Loans

Underwriting cases by reviewing Source documents, analyzing Bank Statements and other financial information .Responsible for completing name screening after outreach and update client profile on KYC system

Standard Chartered Bank –Private Banking ADvisor (JAN 2012 – SEP 2012 )

Manage an assigned portfolio of high value and/or complex small business owner relationships or Private clients to achieve retention and other negotiated goals while meeting bank’s Service Standard

Proactively engage with new and existing clients to build strong, ongoing relationships and provide comprehensive advice

Collaborate with market-leading professionals in financial planning, mortgages, and business banking experts to ensure clients receive customized and targeted expert advice

Proactively take ownership of resolving and preventing client’s banking problems

Implement contact and relationship building strategies, and support new client acquisition

Educate clients of the features and benefits Bank products and services offer, and help clients with digital, banking including mobile, ATM, and online banking

News Globe -HR Manager (Mar 2011 –DEC 2011 )

Ensure compliance with labour regulations, Develop and monitor HR strategies, systems, and procedures

Manage the recruitment process, including drafting offers and contracts Develop and monitor HR strategies, systems, and procedures . Ideate and facilitate training and development to aid diversity and retention initiatives .Manage the recruitment process, including drafting offers and contracts

Quad Core-Hr Executive (Apr 2010 - Mar 2011)

Managing Employee Database,Leave and attendance settlement.Maintain payroll, Staff medical insurance and Occupational Health Cards (new and renewals).

Assist in Performance Appraisals, Job Description and handling Exit interview and Full and final settlement.

Educational Qualifications

MBA, University of Atlanta - Specialization in HR

BBA, American Heritage University USA - Specialization in International Business

Professional Certificates

- Anti Money Laundering (Compliance) - Reputational Risk - Standard Chartered Bank

IT Skills -Ms Word,Excel PowerPoint,Vlookup,Pivot Tables

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