Financial Statements Analysis Credit Structuring & Monitoring Risk

Jiga Idowu

Toronto, Ontario, Canada Canadian Permanent Resident +1-437-***-**** ************@*****.*** PROFESSIONAL SUMMARY

Dedicated and results-driven Senior AML/KYC Analyst with over 10 years of experience in conducting complex investigations, enhancing due diligence processes, and ensuring compliance with regulatory requirements. Proven track record in identifying and mitigating financial risks, developing AML training programs, and leading cross-functional teams. Strong analytical skills and a deep understanding of international AML standards, with an ability to adapt to evolving compliance landscapes. WORK EXPERIENCE

Senior Associate Anti-Money Laundering July 2023-Present

• Communicate with compliance fraud investigation to thwart potential money laundering or terrorist financin g Identified threats, vulnerabilities, and suspicious behaviour patterns to recommend mitigation measures.

• Prepare and file Suspicious Activity Reports (SARs), Currency Transaction Reports (CTRs), and other necessa ry documentation to regulatory bodies.

• Implement comprehensive AML training program for new hires and ongoing education for existing staff, eleva ting compliance culture.

• Establish and review AML / sanctions related policies and provide professional advice on AMLrelated issues t o business units.

• Prepare high-risk reviews with results and recommendations for customer onboarding, closure, and retention

. • Analyse and investigate clients to conduct detailed customer due diligence and enhanced due diligence revie w Provided visionary leadership in internal and community initiatives, enhancing brand visibility.

• Conducted comprehensive financial analysis to identify client needs and structure loan products. •

• Spearheaded initiatives, boosting key performance metrics through innovative business development.

• Adhered to regulatory requirements, effectively mitigating operational risks & maintaining compliance.

• Managed high-value client portfolios, delivering personalized solutions that drove long-term client retention Client Relationship Managers by coordinating onboarding processes for new clients, ensuring compliance with KYC and AML regulations.

Group Head, Commercial Banking - Corporate Banking Guaranty Trust Bank. September 2021- June 2023

• Managed mid-sized to institutional companies with loans from $10MM to $200MM, using financial statement analysis to assess creditworthiness and determine optimal credit structures.

• Led a 23-member cross-functional team in business development and credit origination, achieving a 20% revenue increase through expert credit structuring.

• Review due diligence processes, pricing, and credit terms to ensure they are competitive and aligned with Bank standards.

• Identified and optimized business opportunities within client relationships, resulting in a 23% improvement in key performance indicators.

• Conducted market analysis and networking, leading to a 15% growth in lead generation and business leads.

• Resolved complex customer issues and collaborated with support teams, achieving 100% customer retention and optimal portfolio performance.

• Applied consultative sales techniques and advanced digital communications, contributing to a 10% increase in financing approvals and a 40% growth in deposit collection.

• Provide expert advice to Account Managers in structuring and packaging tailored financial solutions that address clients’ unique needs in financing, cash management, and business support. Compliance / AML Analyst

Guaranty Trust Bank Lagos June 2007- August 2013

Reviewed multiple alert types from transaction monitoring systems to make judgment calls on the need for further investigation if money laundering, terrorist financing, or fraud was suspected

. • Reviewed all required AML/ KYC Regulatory requirements for all clients and analysed transactions that appear unusual based on customers' profile.

• Enforced compliance with operational procedures and policies including regular training on Anti-Money Laundering (AML) and Know Your Customer (KYC)

• Worked with Senior Managers, Lines of Businesses & other departments to ensure ongoing compliance with AML Standards & regulatory requirements.

• Worked with teams to review high-risk clients e.g. PEPs, HNIs, etc. to ensure timely and efficient review of suspicious transactions and documentation.

• Identified, investigated, and documented compliance violations and recommended corrective measures.

• Carried out statutory reporting such as Suspicious Transaction Reporting, etc. to appropriate regulators

. • Ensured that these reports were accurate and promptly submitted within regulatory deadlines.

• Responded to employee inquiries regarding compliance regulations and procedures Senior Compliance / AML Analyst

Guaranty Trust Bank April 2013 – May 2014

• Ensured thorough Source of Wealth and Funds rationale for each client relationship, corroborating with public sources or client-provided documentation.

• Reviewed client information and documentation during onboarding, ongoing reviews, and amendments, preparing high-risk reviews for onboarding, closure, or retention decisions.

• Analyzed client transactions and conducted adverse media searches for regulatory compliance with AML/KYC standards, helping prevent regulatory breaches.

• Provided advisory support on KYC issues, conducted statutory reporting, and ensured accurate and timely submission of Suspicious Transaction Reports.

• Oversaw AML/KYC compliance training and collaborated with teams to review high-risk clients, ensuring timely investigation of suspicious transactions.

• Investigated compliance violations, recommended corrective measures, and addressed inquiries related to regulatory remediation.

EDUCATION

Bachelor of Science (Honours) – Biochemistry April 2006 University of Lagos

PROFESSIONAL QUALIFICATION

• Association of Certified Chartered Bankers

• International Association of Retail Bankers (IARB)

• Certification in Financial Crime – International Compliance Association (University of Manchester, U.K

• Certification in Anti-Money Laundering and Combating the Financing of Terrorism (Online Course)

• CBAP

• PMP

SKILLS

Financial Statements Analysis Credit Structuring & Monitoring Risk Analysis & Mitigation Client Relationship Management Communication Interpersonal Negotiation Business & Credit Presentation Leadership Critical

& Analytical Thinking People Management & Coaching MS Office CRM REFEREES

Available upon request.

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