Financial Crime Quality Control

Muhammad Kamal

Financial Crime Compliance Consultant

Contact -+447*********, ********@*****.***

Education

Certified Scrum Product Owner

UK Regulation & Professional Integrity (IAD), October 2020

Global Financial Compliance, May 2019

MSc IT Management & Organisational Change: Lancaster University, October 2011

Professional Summary

With over 7 years of experience in Compliance Oversight, I specialize in Financial Crime Compliance, including AML, CFT, sanctions, and fraud prevention. I specialize in providing expert AML advisory services, offering guidance on regulatory compliance, risk assessments, and the development of robust AML/CFT frameworks. Focusing on transaction monitoring, CDD/EDD processes, and suspicious activity reporting, I identify gaps, recommend enhancements, and support remediation efforts. I deliver tailored training programs, monitor emerging risks, and advise on implementing AML technologies to strengthen detection capabilities.

Collaborating with internal and external stakeholders, I ensure a proactive, risk-based approach to financial crime compliance, safeguard organisational integrity and align global regulatory standards.

Key Skills

Enhanced Due Diligence for Onboarding and Remediation,

Quality Control and Assurance processes

MiFID II Classification and Reporting

3rd Party Supplier / Vendor Onboarding & Remediation Processes

Transaction Monitoring & SAR

Dealing with Sanctions, PEP and Adverse news alerts.

Anti-Bribery & Corruption (ABC) Policies

Data Analysis with Excel & SQL

Experience

OCTOBER 2023 TO OCTOBER 2024

AML Escalations and Approval Consultant Nationwide Building Society

Provided AML resources /review on clients’ files that have been alerted due to Legal Instruments, Produce/ Production orders, Disclosure orders, and Sanction Alerts to uphold or reject the decision of the first line of Defence for retention /exit/upgrade or downgrade of Risk ratings nationwide has the appropriate mitigating plan for relevant clients

AUGUST 2021 TO SEPTEMBER 2023

AML Consultant / Complex Conversion Cases Project

NatWest Bank, UK

I provided expert resources to the CDD/EDD team for High-Risk investigations, complex transaction analysis, and reporting suspicious activities related to money laundering and terrorist financing under the relevant Bank control and quality standards and other existing regulatory requirements.

Acting as Escalation Point for queries across Corporations, (Non-Bank) Financial Institutions, Hedge/Mutual/Private Equity Funds (PEFs), Trusts, Charities, Foundations, Correspondent Banking/Institutional Cash, Trade Finance.

APRIL 2021 TO 1ST JULY 2021

Quality Assurance Analyst: Transaction Monitoring Project

Handelsbanken UK, London

Performed 2nd line Quality control review on transaction alerts, ensuring correctness and completeness of the activities carried out by the 1st line team, validating SAR and providing Advisory resources to the KYC team.

October 2020 TO 29 January 2021

Senior KYC Consultant: Remediation Project

Ebury UK, London (FINTECH)

Through case review and documentation, I ensured that Ebury was fully aware of and understood all risk factors from high-risk clients, enabling the implementation of appropriate risk mitigation and managing the relationship in compliance with relevant regulatory requirements.

April 2020 TO October 2020

QA Analyst: Compliance Oversight & Governance Team

Deutsche Bank, Canary Wharf, London

Conducted QA Review (2LOD) on CLM-reviewed High-Risk files to ensure they were completed correctly and complied with key Operating Standards. This includes Testing on 1st Line of Defence-completed files across various global regions as allocated every month

September 2019 TO March 2020

Senior KYC Analyst

Europe Arab Bank, Moorgate, London

Ensured compliance with Bank procedures and international regulatory requirements (FCA, AML, KYC and MSA) of Sensitive High / High / Medium / Low-Risk individuals and entities by Conducting onboarding/remediating activities for new third-party vendors/suppliers and managing the bank’s third-party/suppliers register, ensuring that every registered vendor/supplier continuously meets the bank’s ABC policy.

March 2017 TO June 2019

Compliance / Quality Assurance Associate

SMBC Nikko Capital Markets, London

Ensured the quality (correctness and completeness) of KYC Due Diligence on Medium/High-risk customer files and preparation of High-risk cases for MLRO/DMLRO Review & Approval - while holding Approval responsibility for all Low/Medium-risk cases.

Ensuring MIFID II classification for all Clients is correct based on their profile

March 2017 TO June 2019

KYC/CDD Quality Assurance & Control Specialist

Deutsche Bank, Newcastle (Correspondent Banking Project)

Performing QA checks on KYC files across multiple business areas, client risks, and jurisdictions and contributing to Continuous Improvements by assessing root causes/trends and generating preventative/mitigation measures

0Supported the CDD/EDD Operations Team to ensure quality control and regulatory compliance of High-Risk investigations, complex transaction analysis, and reporting of suspicious activities concerning money laundering and terrorist financing by:

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