Experience

Transact365

• Financial Services
• 1 - 100 Employee

• Head Of Compliance & MLRO

  • Mar 2021 - Present



MUFG

• Japan
• Financial Services
• 700 & Above Employee

• Senior Compliance and financial crime officer

  • Jan 2020 - Mar 2021



IQ-EQ

• Luxembourg
• Financial Services
• 700 & Above Employee

• AML KYC Officer (QA)

  • Nov 2019 - Jan 2020



CubeMatch BFC

• United Kingdom
• Financial Services

• AML SME

  • May 2018 - Nov 2018



Deutsche Bank

• Germany
• Financial Services
• 700 & Above Employee

• AML KYC QA SME

  • Aug 2016 - Mar 2018

  Accenture / Deutsche Bank via JCW resourcing) Aug 2016 – CurrentCompleting KYC analysis and evidence gathering for new clients and the renewals of existing client relationships, compliant with standards, policies and procedures and global regulatory and compliance standards.Gathering data and supporting documents regarding clients from a range of independent data sources.Reviewing the information gathered and populating the Client KYC Profile with updated information.Identify data and documentation gaps and researching accordingly.Validating the clients’ KYC risk profile and raising any points of concern with multiple screening analysis (PCR Norkrom & Lexis Nexis)Produce a detailed client review write up in the KYC system. Ensure all required AML / KYC Regulatory requirements for existing clients are still in place. Liaise with other teams as necessary as part of the KYC renewal process, including QC/QA check.Follow global standard policies, procedures and tools with liaison with AFC for sanctions and embargo / escalation queries.Adhere to agreed targets, KPIs, SLAs and confidentiality standards.Undertake training programmes to develop KYC knowledge relevant to each client and jurisdiction as well as team leader duties.



Lloyds Banking Group

• United Kingdom
• Financial Services
• 700 & Above Employee

• Global anti money laundering assistant (QC)

  • Mar 2016 - Jun 2016

  Global Anti Money Laundering Assistant | Lloyds Banking Group (via Reed) March 2016 – PresentMy role sits within the SME sector where I assist client service managers in delivery of the AML guidelines in accordance to the group’s policy. Supporting the relationship / assistant relationship managers in conducting OKYC reviews for satisfying CDD and compliance requirements for corporate entities.Primary responsibilities include· First point of contact for client services colleague to any AML/KYC related queries for multiple entity types such as Ltd, Partnerships, Sole Trader, PLC’s, pension and trust schemes.· Screening of different OKYC matetial prepared by the CDD team once a client review period is due.· Prepare cases whereby call credit searches carried out on directors and beneficial owners.· Distribute work load to ARM’s to conduct CDD evidence gathering from the client, work is then reviewed and 4 eye checked in line with compliance regulations.· Advise and develop ARM’s in relation to the AML and compliance guidelines of any further information or documentation required and why this is necessary from simple to complex layered entities. · Risk assess client and pass case to CDD for approval.· Assist with ongoing ‘repairs’ whereby CDD requirements not met and developing RM and ARM’s knowledge in KYC / KYB processes. · Advise colleagues of timescales for case completions· Liaising with CDD and technical support teams on complex queries.



Irwin Mitchell

• United Kingdom
• Law Practice
• 700 & Above Employee

• Client Due Diligence assistant

  • Jul 2015 - Mar 2016

  • Perform CDD activities including ID&V checks on all new clients the firm.• Execute KYC / KYB / AML screenings on customers documenting information obtained on the client's (individuals) as required by procedures and regulatory measures (AML, compliance, SRA guidelines).• Prepare CDD profiles on a wide range of entity types (Trusts, LLC's, Partnerships, and Corporations, LTD, PLC) to identity ultimate beneficial ownerships.• Obtain documentation on the client and conducting more in-depth research through public databases into the client’s background - companies’ house, nexis direct, nexis direct, financial registries and web based research. Also source of funds reviews.• Collecting information on new clients and risk assess the clients based on geography, industry/occupation, product, political status, and reputational risk, To Perform Sanctions screening and PEPs identification.• High risk clients are subjected to Enhanced Due Diligence (EDD) with senior management / MLRO approval.• Assist with the ongoing monitoring of all client relationships within IM.• Assisting with data query investigations to locate registered addresses of organisations.• Work alongside the conflicts team to create group structure corporate trees.



Fidelity National Information Services

• Fraud Analyst

  • Jun 2013 - Jul 2015

  • Analyse client cases to identify potentially fraudulent credit, debit and pre-paid card / cheque transactions and to action appropriately.• Perform appropriate checks on new application referrals.• Monitor and investigate potentially fraudulent transactions for CNP and CP efficiently.• To monitor high risk merchants and industry types for all fraud types including ATM fraud, load, reversal, refund, 1st party, 3rd party, account takeover and money laundering fraud cases.• Analyse fraudulent claims to identify fraud model opportunities via tend/patterns.• Assist merchants with internal fraud investigations with banks and fraud contacts.• Review all fraud referrals from all departments in the business.• Recommend new procedures to prevent future loss.• Follow client defined processes for customer contact and account blocking strategies.• Documentation analysis and details to perform regulated KYC activities.• Review referrals from potential matches on international Sanctions and PEP lists.• Telephone interviews with customers if appropriate.• Processing of disputes and chargebacks following Visa and Mastercard rules.• Knowledge of fraud industry bodies/systems, CIFAS, CAIS, Falcon, Hunter and also OFAC and FATF.



UK Payments Administration Ltd.

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Fraud Intelligence Researcher

  • Oct 2011 - Nov 2011

  • Produce alerts for the payment / financial services for new trends and MO including those sourced from FISS (Fraud Intelligence Sharing System) to member and law enforcement agencies.• Dissemination of fraud alerts from NFIB, SOCA, Police and other agencies, as well as alerting of bank data recovered from criminal websites.• Management of mass data loss involving bank card details to Industry members such as UK banks, VISA and Mastercard.• Research to support intelligence analysis, through undertaking open source data research, such as Google searches to identify possible threats and alerts to the payments industry.• Conduct research to support case referral development and respond to law enforcement, including DCPCU, and alerts from Livelink.• FISS Management whereby investigations are conducted for CNP and CPP fraud.• Conducting audits from livelink alerts, whereby UKPA can understand which members are actively viewing threat alerts sent to them.• Updating of BIN tables (Bank Identification Number) for international credit card issuers using information from the US secret service.• Daily liaison with UK Law enforcement (including DCPCU), CoLP, PCeU, MPS, Regional Police Force, also Financial Fraud Bureau intelligence and data analysts.



Santander UK

• United Kingdom
• Banking
• 700 & Above Employee

• Fraud Administrator

  • Aug 2011 - Oct 2011

  • Assisting senior application fraud investigators in a timely manner to complete mandatory documentation, resulting from fraudulent impersonations.• Creating new case profiles for fraudsters and victims on in house systems such as Probe, and transferring data to the SUCC database.• Produce documentation packs for investigators to analyse, and data obtained from AFMS, online Santander resources portals, Experian credit searches and through investigator notes.• Uploading fraudulent application data quality analytics reports/ summaries/ briefings to national CIFAS database and general administrative duties.



West Unified Communications Services

• United States
• Telecommunications
• 700 & Above Employee

• Invalid Usage / Fraud Researcher

  • Dec 2009 - Feb 2011

  • Investigated and researched global fraudulent usage in a timely and accurate manner to prevent and combat telecoms conferencing fraud.• Knowledge and awareness of social engineering, and practical techniques to combat telecoms fraud. Increased understanding of various fraud types• Competent researcher using in house IT systems, specialist fraud management tools, online based research tools for analysis, and location of specific and valid information.• Assessed critical risk factors that result in fraudulent use of conferencing, as well as approving tailored requests via completed fraud waivers.• Worked closely with fraud analysts, fraud monitors and heads of departments.• Followed systematic procedures involving root cause analysis and risk assessment techniques.• Researched through until resolution, whilst continuously working on a priority basis. Demonstrating good use of time management and achieving targets.• Communicated to clients how to sustain a safer conferencing environment providing bespoke advice to high profile companies, such as, Oracle, HP, Barclays, and CITI Group. Constantly increased customer satisfaction, and reduced false fraud related credits.• Produced training manual for the efficient use of in-house systems and fraud monitoring for live conferences.• Ensured the smooth transition of new clients wanting specified conferencing credentials, whilst conforming to fraud requirements.• Transitioned 2,600+ profile owners from one Intercall product to another, whereby profile credentials were changed in line with fraud prevention polices, hence increased confidence in project management.