Chamith Kushan Kalupahana Email & Phone Number

Dubai, Ae

Dubai, United Arab Emirates

Main Job Functions/Responsibilities as a MLRO/ Compliance Officer • Acting as a main contact point for all regulatory queries or surveys from MOE, CBUAE or any other authorities.• Performing the CDD/ EDD on new & existing clients & request all the necessary KYC information, constitutional documents.• Responsible for review and verify all the received documents and making an analytical risk assessment.• Advice to hold/close client’s accounts according to the KYC review.• Thoroughly analyze & identify all UBOs, POAs, Nature of Businesses, Source of Income, Source of Funds related to the clients.• Identify all the Red flags, Sanction country involvements, High risk clients. PEP clients by name screening & adverse media searches.• Perform further investigation on above points & make SAR/STR report to update in central bank GoAML portal where it's necessary. • Periodical review of KYC records to verify the completeness of the due diligence and central bank compliance standards are complied with; also that the files and risk assessments are current and up to date.• Provide necessary compliance training to staff & maintaining all the logs.• Communicate effectively with relationship managers, business support team & customer in order to obtain all the necessary KYC documents & keep customer file updated.• Responsible for a good understanding of CB due diligence regulations, sanctions related concerns, policies and procedures, all KYC client onboarding documents

Dubai, United Arab Emirates

• Performing the CDD/ EDD on new clients & request all the necessary KYC information, constitutional documents related to the KYC reviews.• Verify the Risk Report generate from the system to confirm the risk scores are match with the client information.• Identify all the Red flags, Sanction country involvements, High risk clients, PEP clients by name screening & adverse media searches & assign those cases to Head of Compliance approval.• Do the EDD on High risk & PEP clients & request all necessary documents related to the review doing by MLRO/Head of Compliance.• Implemented process improvement ideas & automation programs to increase the productivity.• Provide training to the other Team members about AML & Compliance process.• Support Head of Compliance officer / MLRO to research and investigate cases.• Prepared reports & MI's related to pending approval cases (High/ Medium & Low risk cases) to inform the management in group meetings.

Dubai, United Arab Emirates

Main Job Functions/Responsibilities• Performing the CDD/ EDD on new & existing clients & request all the necessary KYC information, constitutional documents.• Responsible for review and verify all the received documents and making an analytical risk assessment.• Advice to hold/close client’s accounts according to the KYC review.• Thoroughly analyze & identify all UBOs, POAs, Nature of Businesses, Source of Income, Source of Funds related to the clients.• Identify all the Red flags, Sanction country involvements, High risk clients. PEP clients by name screening & adverse media searches.• Perform further investigation on above points & make SAR/STR report to update in central bank GoAML portal where it's necessary. • Periodical review of KYC records to verify the completeness of the due diligence and central bank compliance standards are complied with; also that the files and risk assessments are current and up to date.• Communicate effectively with relationship managers, business support team & customer in order to obtain all the necessary KYC documents & keep customer file updated.• Have a thorough understanding of client’s business and related parties in order to monitor client’s activities for unusual transactions.• Responsible for a good understanding of CB due diligence regulations, sanctions related concerns, policies and procedures, all KYC client onboarding documents.

Dubai, United Arab Emirates

Group Compliance - Transaction Monitoring Unit (Retail)• Preparation of reports on unusual customer account activity (SAR Reports).• Do the customer screening on Worldcheck & Adverse media.• Monitoring the customer’s transactions & identify if there any unusual activity or red flags.• Identify source of the funds or the utilization of the funds according to alerted reasons.• Compare customer’s transactions are inline with the employment or the business.• Monitoring the business accounts and understanding the transactions inline with business profile or not.• Check all customer information & all the transactions are in line with the customer’s KYC profile.• Contributing in overtime in order to archive team targets. • Communicating with relationship managers & branch managers regarding the queries or concerns related to customer accounts or profile.• Identify, Request & Collect all the required supporting documents related to the alerted cases.

United Arab Emirates

As a KYC/CDD Analyst, responsible for opening, amending, reviewing new & existing clients documents according to the standard policies and procedures. Main Job Functions/Responsibilities • Performing the due diligence on new & existing clients, requesting all the necessary KYC information, constitutional documents.• Responsible for review and verification of received documents and making an analytical risk assessment; • Thoroughly research & analyze financial activity and all constitutional documents related to entities of the client; • Periodically evaluate existing clients according to the standard policies and procedures; • Periodical review of KYC records to verify the completeness of the due diligence and central bank compliance standards are complied with; also that the files and risk assessments are current and up to date; • Investigating high risk clients and reporting where necessary, including Politically Exposed Persons, and obtaining all necessary documentation to complete the client file; • Advice to hold/close client’s accounts according to the KYC review; • Communicate effectively with relationship managers, business support team & customer in order to obtain KYC documents & keep customer file updated; • Have a thorough understanding of client’s business and related parties in order to monitor client’s activities for unusual transactions; • Perform further investigation on red flags related the client and client’s transactions and report to relevant compliance teams; • Responsible for a good understanding of CB due diligence regulations, sanctions related concerns, policies and procedures.

United Arab Emirates

* As a Passenger Service Agent we will be responsible for a professional and courtesies check-in services dealing with passengers and their baggage traveling through the airport.* Being the face of the company a high level of customer service is provided at all times.* Be vigilant about every details of the documents & visas, passenger’s behavior & luggage’s as we work in a high risk, secured and regulated environment.* Greet & welcome the arrival passengers & support them with relevant information and guidance.* Provided high level of customer service to each person by engaging customer and using active listening and effective interpersonal skills.* Resolved customer requests, questions and complaints by analyzing individual situations and determining best use of resources.* Verified identification and travel documents to efficiently board passengers for on-time departure.Educated customers on promotions to enhance sales.* Recommended airlines products and services to customers, thoroughly explaining details and help them to find a better options.* Made process changes to exceed customer satisfaction goals.

Sri Lanka

(2014 - 2015)Executive - Financial Crime Compliance Operations (Level 2)* Providing Transaction Monitoring service for UK, US & UAE (mainly) HSBC branches.Duties• Fulfill the internal and external reporting requirements for all HSBC operations in the UK by investigating and processing Suspicious Activity Reports (SAR) which were subsequently forwarded to the authorities (National Crime Agency - UK).• Responsible for identifying and researching the patterns, trends and anomalies in complex transaction and customer data to detect, prevent, mitigate and report suspicious activity.• Reviewing and Analyzing of KYC and CDD Documents. (UK & UAE)• Analyzing cooperate accounts and understanding the trend and pattern of business conduct.• Provide training & conduct awareness sessions to junior team etc..(2012 - 2014)Anti-Money Laundering Executive (level 01) – (Transaction Monitoring)Duties• Preparation of TMU reports on unusual customer account activity.•Monitoring customer’s transactions related to his employment or business.• Analyzing cooperate accounts and understanding the trend and pattern of business conduct.• Reviewing and Analyzing of KYC and CDD Documents.• Communicating with UK relationship managers to verify the details of the transactions or the customers.• Auditing and Quality checking of SAR reports.• Monitoring the transactions which are in line with the customer’s profile.• Contributing in the overtime in order to archive Team Targets. • Training new Team members & guiding them in all aspects.(2010 - 2012)Customer Service ExecutiveDuties• Handle customer queries related to credit card facilities, verify the customer details by contacting customers and updating the system.• Understand the customers’ requirements and effectively communicate, negotiate with the customers to provide the solutions to the customer queries and etc..

Dubai

* Achieving monthly targets given by the company & be competitive with other product promotions and price changes.* Maintain the sales report & attending to monthly sales meetings.* Developed merchandising strategy to efficiently move overstock.* Prepared interesting and innovative visual displays to grab customer interest and promote sales.* Worked with managers and advertising team to optimize promotions.* Presented store update suggestions,competitor promotions and layout changes to the management.* Answered product questions with up-to-date knowledge of sales and store promotions.* Educated customers about brand to incite excitement about company's mission and values.* Responded to customer concerns with friendly and knowledgeable service and remedied issues promptly and effectively.* Shared best practices for sales and customer service with other team members to help improve store's efficiency.

Colombo

* Worked as a Team Leader in Sales Department and Work related to sales (Leasing co Insurances) & Customer Care.* Monitoring the daily, weekly & monthly team sales performances & support them to achieve their targets.* Reviewed outstanding requests and redirected workloads to team member to ensure timely completion of outstanding amounts.* Tracked all pending claim authorizations to ensure timely resolution and avoid customer dissatisfaction.* Built strong relationships with customers through positive attitude and attentive response.* Assigned daily employee tasks and monitored activity and completion.* Developed and maintained long-term relationships with policyholders and small business entities.

Master Of Business Administration - Mba, Currently Studying

High School, Commerece

Activities and Societies: Interact Club member