Experience

Crowe UAE

• United Arab Emirates
• Accounting
• 200 - 300 Employee

• Senior Consultant (AML, Regulatory Compliance Consultancy & Advisory)

  • May 2023 - Present

  • To provide MLRO, Compliance/ Risk Officer services. • Client onboarding for Natural Person, Legal Entities/ Arrangements. • Manage Sanction Hits, World Checks & Adverse Media. • Manage DIFC & DFSA portals. • Ongoing KYC & Transactions Review. • Handling queries which receive from respective regulators. • Timely escalate/ submission of executive reports to BOD/ CEO/ SEO for designated clients. • Preparation of AML Policies & Procedures for different business models. •… Show more • To provide MLRO, Compliance/ Risk Officer services. • Client onboarding for Natural Person, Legal Entities/ Arrangements. • Manage Sanction Hits, World Checks & Adverse Media. • Manage DIFC & DFSA portals. • Ongoing KYC & Transactions Review. • Handling queries which receive from respective regulators. • Timely escalate/ submission of executive reports to BOD/ CEO/ SEO for designated clients. • Preparation of AML Policies & Procedures for different business models. • To Conduct AML/ Supplier/ Introducer Risk Assessment for various business models. • Prepare & implement Data Protection Policy/ Process & Subsequent Submission. • Keep up to date all relevant process & procedures. • Draft & Implement GRC Framework. • Provide Trainings to clients regarding AML, Risk, Compliance, Governance & Conduct of Business. • Assist clients for Economic Substance Notifications & Report submission. • To help clients for CRS & FATCA Classification & reporting to Ministry of Finance. • Assist clients for Client Classification as per DFSA guidelines. • TFS via goAML Portal via EOCN subscription. • Pre-Registration of entity for goAML via FIU Portal. • Managing goAML, SCAM, IEMS enquiry Portal. • To manage reporting via goAML such as SAR, STR, DPMSR, REAR, FFR, PNMR, HRC & HRCA. • Independent assessment of polices & procedures for regulatory licensing purpose. • Assist clients for compliance related matters in obtaining new License, variation & renewal. • Provide compliance advisory to entities in winding up business license within DIFC & Outside DIFC. • Developing & keep up to date customer risk assessment tool for client onboarding. • Keep up to date relevant details all the time in effective MIS. • Timely reporting of breaches to various regulators and closure as per proposed plan. • Assisting entities in term of compliance matter for the establishing representative office in UAE. • Support internal/ external audits team in AML Audits. • To extend support as temporary cover. Show less • To provide MLRO, Compliance/ Risk Officer services. • Client onboarding for Natural Person, Legal Entities/ Arrangements. • Manage Sanction Hits, World Checks & Adverse Media. • Manage DIFC & DFSA portals. • Ongoing KYC & Transactions Review. • Handling queries which receive from respective regulators. • Timely escalate/ submission of executive reports to BOD/ CEO/ SEO for designated clients. • Preparation of AML Policies & Procedures for different business models. •… Show more • To provide MLRO, Compliance/ Risk Officer services. • Client onboarding for Natural Person, Legal Entities/ Arrangements. • Manage Sanction Hits, World Checks & Adverse Media. • Manage DIFC & DFSA portals. • Ongoing KYC & Transactions Review. • Handling queries which receive from respective regulators. • Timely escalate/ submission of executive reports to BOD/ CEO/ SEO for designated clients. • Preparation of AML Policies & Procedures for different business models. • To Conduct AML/ Supplier/ Introducer Risk Assessment for various business models. • Prepare & implement Data Protection Policy/ Process & Subsequent Submission. • Keep up to date all relevant process & procedures. • Draft & Implement GRC Framework. • Provide Trainings to clients regarding AML, Risk, Compliance, Governance & Conduct of Business. • Assist clients for Economic Substance Notifications & Report submission. • To help clients for CRS & FATCA Classification & reporting to Ministry of Finance. • Assist clients for Client Classification as per DFSA guidelines. • TFS via goAML Portal via EOCN subscription. • Pre-Registration of entity for goAML via FIU Portal. • Managing goAML, SCAM, IEMS enquiry Portal. • To manage reporting via goAML such as SAR, STR, DPMSR, REAR, FFR, PNMR, HRC & HRCA. • Independent assessment of polices & procedures for regulatory licensing purpose. • Assist clients for compliance related matters in obtaining new License, variation & renewal. • Provide compliance advisory to entities in winding up business license within DIFC & Outside DIFC. • Developing & keep up to date customer risk assessment tool for client onboarding. • Keep up to date relevant details all the time in effective MIS. • Timely reporting of breaches to various regulators and closure as per proposed plan. • Assisting entities in term of compliance matter for the establishing representative office in UAE. • Support internal/ external audits team in AML Audits. • To extend support as temporary cover. Show less



HBL - Habib Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Senior Manager Risk, Compliance & Controls (ERM)

  • Jun 2021 - Apr 2023

  Perform IRCR (Internal Risk & Control Repository) & ICFR (Internal Control over Financla Reporting) testing for bank-wide business & Support functions which mainly includes (AML-CDD, Sanctions, Payment Screening, Corporate Banking Group, Treasury, Trade, Credit administration, Digital Banking, Financial Institution, Corporate Strategy, Global Banking & Corresponding Banking). Coordination with finance department in order to create/ amend test for ICFR. Preparation of Management… Show more Perform IRCR (Internal Risk & Control Repository) & ICFR (Internal Control over Financla Reporting) testing for bank-wide business & Support functions which mainly includes (AML-CDD, Sanctions, Payment Screening, Corporate Banking Group, Treasury, Trade, Credit administration, Digital Banking, Financial Institution, Corporate Strategy, Global Banking & Corresponding Banking). Coordination with finance department in order to create/ amend test for ICFR. Preparation of Management Testing Plan (MTPs) as part of ICFR & IRCR. Developing KRI - Key Rik Indicators for different functions in the bank. To Perform RCSA (Risk Control Sample Assessment) for business & support functions as per the agreed frequency. As part of yearly regulatory exercise, timely tracking of Top100 review through coordination of Pan-Pakistan branches. ADHOC thematic review as per the compliance/ internal audit request. Ensure that the reviews performed are detailed, of high quality and add value for the management. Ensure that assessment/ reviews is performed accurate and timely in line with the Risk, Compliance & Control function testing plan. Assist team leader in performing risk assessment of the business functions as per the guidance provided by TL & in line with the defined procedures in order for preparing risk-based review plan. Tabling open risk items at different risk forum such as ORMC committee & timely closure. Updating risk details in SAS system in order to track of risk items. To build strong engagement with different unit heads within the department & support them as and when needed. Actively participating in all UAT/ UVT/ BRD/ Process feedbacks/ process re-engineering. Conduct Pakistan branches & Overseas unit visits based upon requirements/ ADHOC reviews. To Participate in internal controls related training for bank staff. Proper tracking of cases through effective MIS & sharing with all relevant stake holders. Show less Perform IRCR (Internal Risk & Control Repository) & ICFR (Internal Control over Financla Reporting) testing for bank-wide business & Support functions which mainly includes (AML-CDD, Sanctions, Payment Screening, Corporate Banking Group, Treasury, Trade, Credit administration, Digital Banking, Financial Institution, Corporate Strategy, Global Banking & Corresponding Banking). Coordination with finance department in order to create/ amend test for ICFR. Preparation of Management… Show more Perform IRCR (Internal Risk & Control Repository) & ICFR (Internal Control over Financla Reporting) testing for bank-wide business & Support functions which mainly includes (AML-CDD, Sanctions, Payment Screening, Corporate Banking Group, Treasury, Trade, Credit administration, Digital Banking, Financial Institution, Corporate Strategy, Global Banking & Corresponding Banking). Coordination with finance department in order to create/ amend test for ICFR. Preparation of Management Testing Plan (MTPs) as part of ICFR & IRCR. Developing KRI - Key Rik Indicators for different functions in the bank. To Perform RCSA (Risk Control Sample Assessment) for business & support functions as per the agreed frequency. As part of yearly regulatory exercise, timely tracking of Top100 review through coordination of Pan-Pakistan branches. ADHOC thematic review as per the compliance/ internal audit request. Ensure that the reviews performed are detailed, of high quality and add value for the management. Ensure that assessment/ reviews is performed accurate and timely in line with the Risk, Compliance & Control function testing plan. Assist team leader in performing risk assessment of the business functions as per the guidance provided by TL & in line with the defined procedures in order for preparing risk-based review plan. Tabling open risk items at different risk forum such as ORMC committee & timely closure. Updating risk details in SAS system in order to track of risk items. To build strong engagement with different unit heads within the department & support them as and when needed. Actively participating in all UAT/ UVT/ BRD/ Process feedbacks/ process re-engineering. Conduct Pakistan branches & Overseas unit visits based upon requirements/ ADHOC reviews. To Participate in internal controls related training for bank staff. Proper tracking of cases through effective MIS & sharing with all relevant stake holders. Show less



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• MANAGER CDD REVIEWS FOR UAE & QATAR REGION (PERIODIC & TRIGGER REVIEWS)

  • Mar 2016 - Jan 2021

  Supervising team of 07 people with diversified nationalities who handle Periodic/ Triggers reviews/ Remediations for high risk clients such as PEP/ Adverse Media/ Sanctions/ HNW/ UHNW/ Royal Family/ SAR/ STR/ PIV Clients. Timely allocation of the reviews & manage load balancing as and when required. Meeting TAT/ SLA along with best client experience and resolve any potential complaints in timely manners. Daily team meetings to discuss the ideas, dispute resolution… Show more Supervising team of 07 people with diversified nationalities who handle Periodic/ Triggers reviews/ Remediations for high risk clients such as PEP/ Adverse Media/ Sanctions/ HNW/ UHNW/ Royal Family/ SAR/ STR/ PIV Clients. Timely allocation of the reviews & manage load balancing as and when required. Meeting TAT/ SLA along with best client experience and resolve any potential complaints in timely manners. Daily team meetings to discuss the ideas, dispute resolution, coaching & guiding team how to achieve targets. Oversighting team progress, dashboards & various MIS (Share details with all relevant stake holders as per frequency) Ensure that unusual and/or suspicious activities/transactions on the accounts are properly detected and recorded. •To discuss complex profiles with relevant stake holders and ensure timely closure (Followed by Escalation Matrix) Ensure high level of engagement with all stakeholders such as CMLCO, Head of CDD Operations, Head of Compliance, CDD Advisors, Branches, Banking Operations, Group FCC, Internal/ External auditors & Operational risk team. Actively participating in senior level forms such as AML PSG/ Country/ Regional Level Platforms/ Group Level Plat Forms for demonstrating periodic/ trigger review progress, tabling self-identified risks & timeline resolution. Self-identification of risk in timely manners & successful closure in EORP system to improve management awareness. Coordination with ICDD technical team for the U/HNW AUM calculation/ change management/ bulk data analytics. Handling of high-risk projects due to internal/ external policies changes such as system clean-up/ change in PEP definition/ FATF based reviews/ Country FCC/ External Regulatory reviews/ name screening/ Territorial Sanctions/ FATCA/ CRS. Actively participating in all UAT/ UVT/ BRD/ Process feedbacks/ process re-engineering.

• TEAM LEADER (PERIODIC & TRIGGER REVIEWS)

  • Sep 2014 - Feb 2016

  Managed team of 06 People for managing Periodic/ Trigger Reviews. Participation in re-engineering process & preparation of country process note for Periodic & trigger reviews. End to end closure of all types Periodic & Trigger alerts including high risk client’s reviews such as PEP/ SAR/ UHNW/ HNW/ Adverse media/ Non-residents/ sanctions/ SAR & STR. Managing all type of reviews such Salaried, retired, housewife, Sole Proprietor/ Partnership/ Private Limited/ Public… Show more Managed team of 06 People for managing Periodic/ Trigger Reviews. Participation in re-engineering process & preparation of country process note for Periodic & trigger reviews. End to end closure of all types Periodic & Trigger alerts including high risk client’s reviews such as PEP/ SAR/ UHNW/ HNW/ Adverse media/ Non-residents/ sanctions/ SAR & STR. Managing all type of reviews such Salaried, retired, housewife, Sole Proprietor/ Partnership/ Private Limited/ Public Limited/ Trust/ Club/ Societies/ Association/ Embassies Accounts. Raising & handling SAR/ STR related quires as and when red flag identified. Supporting branches in closure of alerts for Mandatory Enhance Due Diligence (MEDD) clients. Branch training & development for closure of Periodic & Trigger alerts. Sharing review progress & self-identified risk at various forums such as AML PSG/ BORC/ BORF. Follow up on closure of reviews from relevant business units such as Frontline/ FCC/ Business/ CDD advisors. Handling of weekly conference call with Detica CDD Detica PSS (Technical) team. Ensure high level of engagement with all stakeholders such as CMLCO, Head of CDD Operations, Head of Compliance, CDD Advisors, Branches, Banking Operations, Group FCC, Internal/ External auditors & Operational risk team. To involve in implementation of different projects like FATCA ER/ ES, Trigger & Periodic Reviews. Perform any other additional/ ADHOC activities that comes under the ambit of AML/ CDD / Sanctions.

• SPECIAL AML/CDD ASSIGNMENT FOR STANDARD CHARTERED - OMAN

  • Aug 2014 - Aug 2014

  To support & assist to the Head of CDD Operations - Oman in managing day to day BAU activities. Training & development of CDD Operations team on CDD procedures. Worked for process re-engineering related to Periodic & Trigger Review. Training, development of front & other back office staff. Worked for the self-identification of process related Gaps (Periodic Review/ Trigger Review). Identification of gap in review during periodic & trigger reviews to improve… Show more To support & assist to the Head of CDD Operations - Oman in managing day to day BAU activities. Training & development of CDD Operations team on CDD procedures. Worked for process re-engineering related to Periodic & Trigger Review. Training, development of front & other back office staff. Worked for the self-identification of process related Gaps (Periodic Review/ Trigger Review). Identification of gap in review during periodic & trigger reviews to improve the quality of the reviews. Performed GAP analysis, preparation of remedial action plan & shared with regional SCB team.

• QUALITY ASSURANCE MANAGRR (AML/CDD REVIEWS)

  • Jan 2014 - Jul 2014

  Performing quality assurance for the approved Periodic & Trigger reviews as per CDD procedures. Preparation of monthly MIS & share QA results with Head of CDD Operations. Ensure exceptions identified in the reviews are recorded and reported at various forums. Arrange CDD team’s training sessions to improve the CDD awareness within the team. Proactively identification of inherent risks associated with CDD Ops unit & explore ways of minimising.

• SENIOR REVIEWER - (PERIODIC & TRIGGER REVIEWS)

  • Aug 2012 - Dec 2013

  Participation in re-engineering process & preparation of country process note for Periodic & Trigger Reviews. Performing reviews of all high-risk clients such as PEP/ Adverse Media/ Sanctions & SAR. To perform all type of reviews such Salaried, retired, housewife, Sole Proprietor/ Partnership/ Private Limited/ Public Limited/ Trust/ Club/ Societies/ Association/ Embassies Accounts. Handling of pan Pakistan branches’ queries related related to AML/ CDD. Proper… Show more Participation in re-engineering process & preparation of country process note for Periodic & Trigger Reviews. Performing reviews of all high-risk clients such as PEP/ Adverse Media/ Sanctions & SAR. To perform all type of reviews such Salaried, retired, housewife, Sole Proprietor/ Partnership/ Private Limited/ Public Limited/ Trust/ Club/ Societies/ Association/ Embassies Accounts. Handling of pan Pakistan branches’ queries related related to AML/ CDD. Proper tracking of cases through effective MIS & sharing with all relevant stake holders. Preparation of different MIS ongoing basis as per group MIS requirements. Marking of restriction on overdue cases as per bank / regulator policy. Sending communication to the customers in case of CDD deficient & manage the return mail. Group reporting on monthly basis for overdue cases. To involve in implementation of different projects like FATCA, Periodic Reviews & Trigger Reviews. Ensure high level of engagement with all stakeholders such as CMLCO, Head of CDD Operations, Head of Compliance, CDD Advisors, Branches, Banking Operations, Group FCC, Internal/ External auditors & Operational risk team.



JS Bank

• Pakistan
• Banking
• 700 & Above Employee

• TEAM LEADER FOR NEW CLIENTS ONBOARDING

  • Jan 2011 - Aug 2012

  Ensure compliance of AML, CDD policies & procedures in accordance with local regulatory guidelines. Scrutiny of Retail/ Business Clients as per regulator guidelines such Salaried, retired, housewife, Sole Proprietor/ Partnership/ Private Limited/ Public Limited/ Trust/ Club/ Societies/ Association/ Embassies Accounts. Review of all supporting/ corroboration documents related to onboarding. 100% compliance of central bank prudential regulations related to AML… Show more Ensure compliance of AML, CDD policies & procedures in accordance with local regulatory guidelines. Scrutiny of Retail/ Business Clients as per regulator guidelines such Salaried, retired, housewife, Sole Proprietor/ Partnership/ Private Limited/ Public Limited/ Trust/ Club/ Societies/ Association/ Embassies Accounts. Review of all supporting/ corroboration documents related to onboarding. 100% compliance of central bank prudential regulations related to AML CDD. Circulation of Rejection/ FIFI MIS with all relevant stake holders. End to end checking of KYC/ CDD before onboarding along with OFAC/ Norkom AOC check. Handling of branch wide emails/ queries related to account opening. Authorization of individual/ corporate relationships in core banking for CIF creation. Preparation of service quality MIS for monthly escalation. Authorization of cheque book entries in core banking system - Temenos 24. Ensure that all service standards are maintained by the staff keeping the bank’s integrity in mind. To arrange training of staff facing clients related to onboarding.

• SENIOR OFFICER FOR EXISTING TO BANK CLIENTS

  • Jan 2009 - Dec 2010

  Supervision of all the queries related to addition/ deletion of signatures in core banking system. Handing of mandates & power of attorney cases. End to end review of deceased & account closure cases. Authorization of all the static data changes in core banking system. To ensure proper tracking of cases through effective MIS/ reconciliation. Handling of queries related to dormancy reactivation & unclaimed. Perform timely & quality closure of all central… Show more Supervision of all the queries related to addition/ deletion of signatures in core banking system. Handing of mandates & power of attorney cases. End to end review of deceased & account closure cases. Authorization of all the static data changes in core banking system. To ensure proper tracking of cases through effective MIS/ reconciliation. Handling of queries related to dormancy reactivation & unclaimed. Perform timely & quality closure of all central bank feedback related cases. Perform any other activity that comes under the ambit of AML/ CDD. Handling of all the return mail & coordination with branches.

• GRADUATE TRAINEE OFFICER

  • May 2008 - Dec 2008

  Started Career as a Graduate Trainee & field worked in different departments for 06 months. Got 01-month extensive classroom training from renowned banking institute - Institute of Bankers Pakistan. Worked 01 Month in each department in order to understand the workflow such as Cash, Clearing, Remittance, Branch Level Account Opening, Centralized Account Opening, Trade Finance & Credit Department. Prepared DOIs for different departments during this Graduate Trainee… Show more Started Career as a Graduate Trainee & field worked in different departments for 06 months. Got 01-month extensive classroom training from renowned banking institute - Institute of Bankers Pakistan. Worked 01 Month in each department in order to understand the workflow such as Cash, Clearing, Remittance, Branch Level Account Opening, Centralized Account Opening, Trade Finance & Credit Department. Prepared DOIs for different departments during this Graduate Trainee Period & also engaged in Process Re-engineering.