Jan Muhammad Email and Phone Number

Project 1 - Project Duration 3 Months (Nov 2023 to Jan 2024)- Provided compliance related services to an international client located in Abu Dhabi (UAE).- The nature of the project was to review customer transactions related alerts and cases as per the guidelines highlighted by CBUAE and identify if any risk of money laundering or terrorist financing is associated with the client or not.- Reviewed customer profiles on Phoenix platform and made brief analysis on customer’s inflows, outflows and major utilization of funds by client.- Reviewed KYC profiles of clients, closely monitored transactions and performed mandatory screening checks on client’s names to ensure that the subject client under review does not pose any risk of moneylaundering, terrorist financing or reputational risk for the bank.- Reviewed supporting documents of client on Phoenix to ensure the client information updated in bank’s core banking system (Omni) is up to date.- Reviewed alerts made detailed analysis and discounted with proper comments on Omni if nothing was observed as suspicious, whereas if case of any suspicion, then subject alert was closed and transformed into case so brief investigation can be carried out.- Maintained productivity tracker of all approved cases for reporting and audit purpose.- Maintained productivity tracker of all STR cases (where STR has been raised) for reporting and audit purpose.Project 2 - Special Assignment Duration 3 Days (Dec 2023)- Worked as an Audit officer with Senior management officials from UAE and performed enhanced quality review checks on transaction monitoring cases already performed/closed by reviewing analysts.

High Risk Accounts- Reviewed high risk accounts (PEPs, Real Estate Businesses/Dealers, Jewelers, Non-Resident and Roshan Digital Accounts).- Identified anomalies (If any) and coordinated with concerned branches (on email/phone) and clarity was obtained along with the documentary evidence.- Ensured proper follow ups were made with all relevant stakeholders (Relationship Managers, Branch Managers and Regional Heads) for obtaining of requisite information pertaining to the client being reviewed.- Once the critical elements (Identifying of risk associated, Identification of UBO and taking Business Heads/General Mangers consent) were addressed, the account was presented to “Department Head” and“Divisional Head” for final compliance approval so client can be onboarded.High Risk Transactions- Reviewed high risk transactions (Inward, Outward and Trade) originating from high-risk countries (Afghanistan, Somalia, UAE etc.)- Ensured the transaction under review is not from any sanction country (Iran, Darfur region of Sudan, India and Israel).- Referred to BASEL Index for country risk rating.- Ensured CDD/KYC of client is updated by branch.- Ensured proper follow ups were made with all relevant stakeholders (Relationship Managers, Branch Managers and Regional Heads) for obtaining of requisite information pertaining to the client being reviewed.- Once the critical elements (Identifying Transaction Type, Purpose of transaction, Ultimate Beneficial Owner, Periodicity of Transaction, country risk associated, arranging of clearance from AML (SSU), taking BHs/GMs consent) are addressed the subject transaction is presented to “Department Head” and “Divisional Head” for final compliance approval.

- Worked with Soneri Bank Limited as “Assistant Manager/Team Leader- CDD Operations”, where I was managing a team of five Analysts. I supported them in meeting their daily targets/KPIs and keep themupdated with the regulations of State Bank of Pakistan (Central Bank of Pakistan).- The job descriptions revolved around Identification & Verification of customer Identity, its employment/business/financial details, monitoring of thresholds (to know client’s profile consistency with the bank’s records) and mandatory screening on client’s names to ensure that onboarded clients do not pose any risk of money laundering, terrorist financing, any sanction breach or any reputational risk for the bank.- Performed UATs and designed risk profiling matrix (with Senior Management) to cater Low, Medium and high risk clients.- Performed cases related to the Identification of PEPs, Adverse News, Sanction and reporting the same to departmental head so it can be further escalated to compliance and eventually to FMU (FinancialMonitoring Unit of Pakistan).- Identified anomalies (If any) and coordinated with concerned branches (on email/phone) and clarity was obtained along with the documentary evidence.- Ensured customer profiles were updated periodically and when any event based / triggered review arises.- Ensured proper follow ups were made with all relevant stakeholders (Relationship Managers, Branch Managers and Regional Heads) for obtaining of requisite information when any Periodic/Triggered reviewfalls/arises.- Maintained productivity tracker of all approved cases and STR cases (where STR has been raised) separately for reporting and audit purpose.

 Worked with HBL in the capacity of Assistant Manager (Band II) - Transaction Monitoring (Compliance), the job descriptions revolve around investigating the potential risk of money Laundering, terrorist financing, sanction and any reputational risk (if associated) with HBL clients considering “Guidelines” and “AML Red Flags” highlighted by State Bank of Pakistan. Obtaining information from concerned branch BM/RMs pertaining to the inconsistency in client’s transactions. Acquiring and reviewing of client’s information and closing respective alerts on Mantas. Identifying of suspicious transaction and timely reporting of STRs/CTRs (to AML Head to be further reported to FMU) to avoid bank from being penalized. Ensure proper follow ups are made with all relevant stakeholders (BMs/RMs/RCMs/AMs/RCs) Updating of daily correspondence (conducted with concerned branch) on Mantas.

 Worked with Standard Chartered Bank Pakistan Limited (SCBPL) as “Customer Due Diligence (CDD) Analyst, CDD Operations”, the job descriptions revolve around Identification and verification of customer, its employment/business/financial details and also monitoring of thresholds to know client’s profile consistency (with the bank’s records), also investigating the risk of money Laundering, terrorist financing, any sanction element and any reputational risk associated with ETB (Individual) clients by reviewing supporting documents of clients as per the guidelines highlighted by SBP and SCB’s Group (London, UK). Reviewing of supporting documents and coordinating with branch (if required) to ensure that information updated in Bank’s records is still valid (considering client’s current profile). If information provided is found to be inconsistent then branches were contacted (on email) and clarity is obtained. Ensure proper follow ups are made (pertaining to cases) with all relevant stakeholders (RMs, BMs, RCHs and Compliance) Ensuring of customer profiles being updated periodically and also when any Event Based / Triggered review arises.

6 weeks internship at PSO from 18th June, 2013 to 31st July, 2013 in Lubricants marketing department. The project was assigned to obtain the necessary information regarding the low sales of “Generator Oil” and for that, questionnaires were designed to acquire views of the Customers, Retail pump attendants, Mechanics and High Street Attendants, whereas telephonic chat facilitated the discussions with the Business Managers from different cities. Due to the shortage of time we were assigned five markets (Numaish, I.I Chundrigarh, Gulshan-e-Iqbal, Gizri, and Clifton) to dig out the responses, whereas fifteen retail pumps were visited and fifteen Business Managers were interviewed through telephonic medium. Besides this volunteered in brand activation for Blaze 4T and Carient Motor Oils at Karachi Expo Center, the promotion took around three days. Also shot two videos to facilitate the final project on "Generator Oil"