ALTHAF RAFICK
Financial Analyst
Ooty,India
Summary
To pursue a challenging career in an organization having a dynamic work environment so as to utilize and prove my skills and abilities while being resourceful, innovative and flexible.
Overview
11
11
years of professional experience
8
8
years of post-secondary education
1
1
Language
Work History
Senior Process Associate, Senior Analyst
Standard Chartered Bank
11.2017 - Current
- BPO2
- Client –, (Financial crime Surveillance Unit)
- Profile Highlights: Suspicious Activity & Transaction Monitoring & Name Screening Account Openings, Maintenance and Closure for Corporate Banking Banking operations/ Banking Processes Customer Service & Accounts
- RM – RFI (Referrals to Relationship Manager) - India, Singapore, Hong Kong
- Role:, Country Supported (India, Singapore, Hongkong, Indonesia, Kenya
- Middle East
- Knowledge on Name Screening Referrals to Relationship Manager KYC (Know your customer) requirements CSU (Customer screening unit - PEP, individuals, Corporates) Alerts & Cases
- Job Profile: Alerts/Cases will be generated by automated system (Norkom) and Enterprise Case
- Management (ECM) based on the Name Match
- If the Name Matches the alert/ Cases will be escalated to next level for further investigation by raising queries to the respective account's RM (Relationship Manager) to seek clarifications on the Name Match and Work Location etc
- Responsible for enhanced Due Diligence reviews of Consumer and Business Banking
- Customer
- Performed Sanctions screening and PEPs identification
- Reviewed potential negative news hits across Global Client Management divisions
- Post responses from RM the case will be moved to the Analyst for the further review with the case and case closure etc.,
- Anti-Money Laundering & Financial Intelligence Unit [FIU] / KYC - India, Singapore,
- Kenya, Hong Kong, Rest of Africa
Senior Analyst
TATA CONSULTANCY SERVICES
12.2015 - 05.2019
- Knowledge on AML / KYC Transaction Monitoring Alerts & Cases Referrals to Relationship Manager
- Job Profile: Alerts/Cases will be generated by automated system (Norkom) and Enterprise Case
- Management (ECM) based on a set of DS rules (Detection Scenario) on the customer whose transactions meet the preset set DS rules
- The transactions made by a customer will be analyzed by identifying significant counter parties who transacted with the customer in the respective review period
- Review all required AML/KYC regulatory requirements for all clients and analyzing any transactions that appear unusual based on the customers profile
- The relationship between the customer and the counter parties are established by identifying the customer's profile and the related counter parties profile through public domain search
- Searches will also be made on customer and counter parties to check if there are any negative information found by using Compliance Check systems such as World Check, Accuity Check and FCC Watch list search
- If the relationship could not be established, the alert will be escalated to next level for further investigation by raising queries to the respective account's RM (Relationship
- Manager) to seek clarifications for the transaction pattern
- Worked with Senior Managers, Lines of Businesses & Other departments to ensure ongoing compliance with AML standards & regulatory requirements
- Collected and documented data including SAR history KYC information and Transaction data
- Post receiving the response the alert will be investigated in the next level If the response is not satisfactory in AML point of view & from the transactions, the case will be further escalated for enhanced review by In-country AML specialist (FCIO - Financial
- Crime Investigation Officer)
- SAR (suspicious activity report) will be filed on customer
- AML RELATED CERTIFICATION
- CAME (Certified Anti Money Laundering Expert) 2019
- Certification provided by India forensic
- ACHIEVEMENTS Star Performer Award for the year 2019 (Client’s Award) Successfully managing 12 members a team of Kenya Region & take initiatives in the team
- Learned the current working process in a limited period of time and imparted the ideas to Junior Levels.
Analyst
TATA CONSULTANCY SERVICES, CITI Bank
06.2013 - 12.2015
- U.A.E (Account Opening, Maintenance and Closures), Corporate Banking (Account Opening / Maintenance and Closure, Deals with the customer documents scrutiny, Account opening, Account Maintenance,
- Account Closure as per the customer requirement & Team Assisting To ensure all transactions are accurately processed in accordance with customer's instructions and in liaise with their credit agreements
- Internal Account Opening Handling client calls & Assistance to team members Consolidation of daily reports & Generate and publish the MIS reports Reporting to Supervisors on SLA breaches Daily Report Reconciliation Support on Testing of Applications Sharing of New Learning’s to the team & Bulk Project’s Preparing past due report for pending activities which are maturing
- ACHIEVEMENT HIGHLIGHTS Star Performer Award for the year 2015 (Client’s Award) Successfully managed to take initiatives in the team
- Learned the current working process in a limited period of time and imparted the ideas to junior levels
- Cross training under different teams.
Education
M.B.A -
Anna University
Alagappa College of Technology
01.2016 - 01.2018
B.Com - undefined
University Jamal Mohammed College
01.2010 - 01.2013
H.S.C - Anglo Indian Syllabus
Stanes Anglo Indian Higher secondary
School
01.2008 - 01.2010
S.S.L.C - undefined
Mrs Bullmore’s Matriculation
School
01.2007 - 01.2008
Skills
Knowledge of business operations
Additional Information
Star Performer for the Year - 2018 for Risk Identification and the case filed a SAR
Star Performer for the Year - 2015 for Maximum Account Opening for the UAE Clients
Timeline
Senior Process Associate, Senior Analyst
Standard Chartered Bank
11.2017 - Current
M.B.A -
Anna University
Alagappa College of Technology
01.2016 - 01.2018
Senior Analyst
TATA CONSULTANCY SERVICES
12.2015 - 05.2019
Analyst
TATA CONSULTANCY SERVICES, CITI Bank
06.2013 - 12.2015
B.Com - undefined
University Jamal Mohammed College
01.2010 - 01.2013
H.S.C - Anglo Indian Syllabus
Stanes Anglo Indian Higher secondary
School
01.2008 - 01.2010
S.S.L.C - undefined
Mrs Bullmore’s Matriculation
School
01.2007 - 01.2008
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