Samina Umrethwala Cams,Cgss,Crcmp Email & Phone Number

Umm Al-Qaiwain, United Arab Emirates

• Conducted KYC remediation, boosting compliance accuracy by 20%; slashed compliance breaches by 15% through risk identification and mitigation.• Ensured 100% compliance on high-risk accounts by performing due diligence, improving documentation completeness by 25%.• Streamlined KYC processes, enhancing team performance and reducing training time by 30%; heightened detection of suspicious activities by 10%.• Developed and implemented policies to uplift KYC process efficiency by 20%, maintaining 95% compliance by aligning with regulatory changes.• Analyzed transactions for AML risks, elevating detection rate by 25% and achieving a 53% compliance rate in alert handling.• Maintained operational consistency in AML transactions, reducing errors by 15%; bolstered reporting accuracy by 20%.• Increased timely and accurate regulatory reporting by 10% through efficient use of the GOAML portal.• Trained team, filed timely reports on suspicious activities, and liaised with stakeholders for KYC and AML compliance.AML Analyst• Analyzed transactions and identified money laundering and AML red flags, achieving a 25% improvement in the detection rate.• Monitored and authorized daily/monthly alerts, ensuring timely and accurate handling of alerts with a 53% compliance rate.• Handled AML transactions in line with Standard Operating Procedures, maintaining operational consistency and reducing errors by 15%.• Promptly filed Suspicious Transaction Reports (STR) and Suspicious Activity Reports (SAR), increasing the reporting accuracy by 20%.• Inputted details in the GoAML portal for reporting, ensuring accurate and timely submissions, which led to a 10% improvement in regulatory compliance reporting.

Dubai, United Arab Emirates

• Performing Enhanced Due Diligence (“EDD”) on higher risk, complex clients or clients falling within special frameworks, as per operating processes.• Identifying clients posing higher risk due to existence of red flags or other high risk triggers.• Review and investigate PEP screening alerts utilizing the client screening system, internal Customer Due Diligence systems and third party sources (FCRM,Finnacle,SiebelCRM,Cognos,Firco)• Analyzing customer relationships, documentation, activity patterns, and transactions to detect potential suspicious activity or activity that is not consistent with the client’s profile, and escalating as appropriate.• Complying with relevant legislative and regulatory standards, andinternal processes and procedures.• Assessing negative media and Politically Exposed Persons(“PEP”) alerts generated during client onboarding and client review processes.• Providing relevant recommendations based on the discrepancies, patterns and risks identified during the course of performing EDD• Working cooperatively with Financial Crime Compliance and other business stakeholders to evaluate and mitigate the risks associated with new and existing high risk clients.• Resolving day-to-day issues arising during the EDD process, andescalating more complex challenges via the appropriate channel.

Dubai, United Arab Emirates

To support and execute activities of the MLRO team in relation to Suspicious Transaction Reporting (STR) reporting. The job purpose entails performing investigations, assessing the financial crime risks and proposing cases to MLRO for final decision-making with proper recommendations and risk mitigation Implement Transaction Monitoring and Suspicious Transaction Reporting measures in line with applicable laws, regulations and the Bank internal guidelines Oversee and effectively manage reported unusual activities and suspicious transactions Ensure timely reporting of unusual activities and suspicious transactions to the MLRO and Regulatory Authorities  Provide SME advisory to the business, support functions, international branches and subsidiaries on transaction monitoring and suspicious activities/transactions matters Develop and deliver focused training to FLOD and Businesses on handling AML alerts and reporting suspicious transactions Prepare a comprehensive proposal for MLRO or designate giving proper recommendations and risk mitigation Track and manage regulatory responses on filed STRs and determine whether all risk mitigation are executed. Engage with Business Compliance as required to resolve the cases  Review and propose changes to scenarios, rules and thresholds in the transaction monitoring systems, processes and practices based on risks and control deficiencies identified.

Dubai, United Arab Emirates

Dubai, United Arab Emirates

Assisting and supporting the AML/Sanctions team ensuring compliance with applicable laws,rules,regulations,applicable sanctions regimes and bank policies by performing the assigned job objectives in line with the AML policies and procedures.To adhere with the banks code of conduct.

Dubai, United Arab Emirates

United Arab Emirates

Uae

• Well- defined & strong background in bank regulatory compliance• Exceptional grasp of procedures, regulations, guidelines, laws and policies governing the banking industry. • Maintain records for Customer Due Diligence Anti-Money Laundry (AML Reporting all non-compliance issues to senior management)• Monitoring the compliance with all policies and procedures which addresses regulatory requirements. Those set by the higher management (Compliance policy manual), local legal and regulatory authorities (UAE Central Bank), and world authorities (US (OFAC, FATF) & UN Sanctions.)• Circulating AML reports to Relationship Managers receiving feedback on cases and ensuring appropriate analysis on the report and filing each report.• Verifying and analysis KYC details for new to bank customers.• Monitoring KYC renewals cases for existing customers.• Ensuring that the internal control systems operate efficiently and cover appropriately the implementation of the regulations for AML and CFT procedures.• Monitoring payment transactions for AML / CFT purposes in compliance with the local, bank, and world standards.• Verifying the compliance with all local regulatory and internal bank requirements in relation to KYC and KYCC aspects.• Ensure that accounts documentations / mandates deficiencies are logged and followed up with relevant account officers to resolve.• On-going monitoring of the accounts and customers profiles and their activities and evaluating associated risks.

Bur Dubai

• Independently coordinating and directing a team of 30 sales representative officers.• Preparing daily, periodic and special reports regarding operations, and activities to maintain accurate records and files.• Detailed sales figures on business loans acquired and disbursed.• Daily tracker records for monitoring daily sales and targets.• Summary of recorded sales figures to head of SME department (RAKFINANCE business loans)• Document checking for account opening forms if all valid • Coordinating with credit controls, central operations and credit controls operations.• Disbursed loans MIS

Certified Global Sanctions Specialist (Cgss), Global Sanctions

The ACAMS Certified Global Sanctions Specialist (CGSS) certification is the global program for equipping professionals with the tools they.

Certified Anti Money Laundering Specialist, Anti Money Laundering

CAMS is recognized as the gold standard in AML certifications by institutions, governments and regulators worldwide.

Certified Risk And Compliance Management Professional (Crcmp), Compliance Management Professional