Deena Mulla Email & Phone Number

Ras Al-Khaimah, United Arab Emirates

• Expertise in Know Your Customer (KYC) procedures, regulatory compliance, and due diligence practices. any experience with onboarding new client. Ability to navigate and implement relevant legal frameworks and attention to detail in ensuring compliance with all regulatory requirements. • Screening Process and achieve day-to-day operation and verify client’s KYC, CDD conduct enhanced due diligence (EDD for sanctions) and perform ongoing monitoring for High-Risk Sanctions, PEPs and any suspicious activities related to financial crime in compliant with AML/CFT policy and RAKEZ policy and procedures.• Prepare inspection reports for sanction, action and remediation plan, gather documentation and information required in line with the Compliance Policy. • Write well structured, logical and objective reports regarding assessments on the status, legitimacy, general background, and overall reputation of a company and its principals.• Understand and adhere to the compliance DNFBPs inspection guidelines and UBOs requirements in accordance with UAE Laws and Regulations.• I am entrusted with the responsibility of developing and implementing robust compliance policies and procedures to mitigate the risk of sanctions violations. I regularly assess and update internal controls, conduct risk assessments, and provide guidance to stakeholders on compliance best practices.• Endorsing a culture of awareness and understanding regarding sanctions compliance within the organization. Designing and delivering comprehensive training programs to educate employees on sanctions regulations, raise awareness of potential risks. Ensuring that all staff members are equipped with the necessary knowledge and skills to maintain compliance at all times.

Dubai, United Arab Emirates

●Support customers with all type of claims reported as per within management boundaries.● Contact prospective clients with aim of ultimately selling product and service over walk-in investors● Attend clients and respond to their inquiries ensuring that are provided with accurate to date information in professional manner to reach client satisfaction and act accordingly in professional and friendly attitude to deliver high level of customer service.● Investigate and resolve job-related task issues, handle it appropriately until resolved. Coordinate with clients and internal partners to find mutual solution to problems.● Processing license application and all inquiries, mending license, UBO, KYC and legal documents.● Used multilingual expertise to improve communication skills resulting in positive customer feedback.

Dubai, United Arab Emirates

• Oversaw branch compliance with Anti-Money Laundering (AML) regulations, ensuring adherence to policies and procedures.• Conducted comprehensive AML risk assessments and implemented strategies to mitigate potential risks within the branch.• Collaborated with branch staff to provide guidance on AML compliance, conducting regular training sessions to enhance awareness.• Led investigations into suspicious activities and transactions, ensuring timely reporting to regulatory authorities.• Executed Customer Due Diligence (CDD) and Know Your Customer (KYC) procedures to verify customer identities and assess risk for sanction.• Coordinated with the central compliance team to implement and communicate AML-related updates and changes at the branch level.• Monitored customer transactions for anomalies and implemented appropriate measures to address potential AML issues.• Conducted periodic internal audits to assess branch compliance with AML policies and regulatory requirements.• Collaborated with sales teams to integrate AML compliance seamlessly into sales processes.• Responded to inquiries from regulatory agencies and participated in regulatory examinations, ensuring branch compliance.• I am entrusted with the responsibility of developing and implementing robust compliance policies and procedures to mitigate the risk of sanctions violations. I regularly assess and update internal controls, conduct risk assessments, and provide guidance to stakeholders on compliance best practices.• Endorsing a culture of awareness and understanding regarding sanctions compliance within the organization. • Designing and delivering comprehensive training programs to educate employees on sanctions regulations, raise awareness of potential risks. Ensuring that all staff members are equipped with the necessary knowledge and skills to maintain compliance at all times.

Dubai, United Arab Emirates

●Support and educate the customers about the bank service and cross selling accounts, loans, credit cards and term deposits ● Handling customers complains and regional calls banking; moreover, Internet banking and tracking bank transfers and account enquiries. ● Ensure compliance with established security procedures and practices. Maintain effective and productive relationship with the Financial Advisors. ● Identify operational problems, report to the IT & Operations team and communicate with other departments (When required) ● Support customers Management with all Claims reported as per the Claims Management procedures.

Sharjah, United Arab Emirates

*Managed all aspects of store operations, including organization, maintenance and purchasing functions.*Expertly managed staff logistics and day-to-day store operations for optimized financial efficiency.* Increased customer sales conversions through strategic staff performance incentives.