Summary
Overview
Work History
Education
Skills
Certification
Languages
Job Achievements
Personal Information
Timeline
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Crispina Miranda

Crispina Miranda

Dubai,AS

Summary

Dedicated Compliance & Risk professional with over 7 years of work experience of increasing responsibility within Banking, Money Service Business and Commodities Trading Industry. Highly skilled in analysing risk and work towards implementing internal policies & procedures to meet organizational and regulatory compliance standards. Experienced and enthusiastic Consultant with track record of success across wide range of industries. Possesses exceptional interpersonal, problem-solving and analytical skills to provide advice and expertise to client organizations improving business performance. Experienced in all aspects of operations, risk and compliance.

Overview

8
8
years of professional experience
1
1
Certification

Work History

Consultant – Compliance & KYC

Element Alpha SA (Commodities Trading Company)
07.2023 - Current
  • Reading vessel screening reports to identifying high-risk or sanction port calls and analyzing the dark activity/AIS outages to further escalate or mitigate risks
  • Responsible for end-to-end client onboarding process and handle KYC-remediation to keep the database updated
  • Trade based AML- Identify risk associated with Sanctions, adverse media, Money laundering etc
  • On prospective clients
  • Monitor daily alerts on existing counterparties
  • Implement the internal KYC & Compliance policies & procedures
  • Perform Anti-fraud checks
  • Trade reporting checks to make sure compliance with REMIT regulation.

Senior Analyst - Compliance & Risk

Travelex India Pvt Ltd (Money Service Buisness)
05.2021 - 06.2023
  • Quality Assurance on Transaction Monitoring processes (EU & APAC region)
  • Investigate an alert and analyze transaction pattern to either report or mitigate risk
  • Filing STR and objective transaction reporting through GoAML to Netherlands FIU
  • Assist manager in drafting procedure documents
  • SME and Spok for a certain team and the process
  • Handling training and leading the team
  • Presenting monthly team performance overview to the stakeholders.

Analyst

YNI Global Services LLP (GSS to GP Global Group)
09.2019 - 04.2021
  • Perform screening to comply with regulatory requirements and mitigation of risk associated with sanctions, Money Laundering, Bribery & Corruption, Terrorist financing, trade restrictions, etc
  • Processing end to end client onboarding and maintaining updated documentation on record
  • Analyzing financial statement to recommend credit worthiness/periodic credit review
  • Responsible for providing day-to-day credit risk support and ensuring the implementation of internal credit policies and procedures
  • Sales order approvals for the deals made by the trading team ensuring customer credit exposures are within set limits.

Junior Clerk

Citizen Credit Co-operative Bank ltd
01.2018 - 09.2019
  • Process transactions via SWIFT, NEFT / RTGS / ECS
  • Handling DEMAT A/c opening, Cash counter (indent for cash on a daily basis) & Savings deposit counter
  • KYC re-certification of expired documents of the clients, comply with the Central Depositories Services Limited (CDSL) regulatory requirements, Yearly review on NRI A/cs.

Analyst

Royal Bank of Scotland
11.2016 - 12.2017
  • Following all relevant policies and procedures for FATCA-CRS legislation, CDD, Assigning and verifying tax status of clients as per their applicability
  • Ensuring process timelines and accuracy, abiding to regular updates circulated by regulatory authority.

Education

Master of Accountancy - Accountancy

University of Mumbai
Mumbai
02.2023

Bachelor of Commerce - Accounting & Finance

St. Andrews College
04.2016

Higher Secondary Certificate - Commerce

St. Anne's Junior College
02.2013

Secondary School Certificate -

St. Anthony's High School
03.2011

Skills

  • Regulatory compliance (understanding of OFAC, EU, FINMA, DFSA, etc)
  • KYC, AML, CDD, Client Onboarding & Sanctions Screening
  • Transaction Monitoring (understanding of FIU- APAC, EU, Switzerland)
  • Credit Risk Analysis
  • Strong verbal, written communication, and negotiation skills
  • Data base skills- World-Check, Dow-Jones, SAM, ICIJ, Windward, Purpletrac & Secondary research

Certification

  • ACAMS – Certified Anti-Money Laundering Specialist (CAMS)
  • Depository Operations (NISM-Series VI)
  • Bloomberg Essentials, Fundamentals of Credit Analysis, Reading financial statements, Excel crash course [CFI Institute]
  • Certified in Tally ERP 9, MS Office, Excel

Languages

English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Marathi
Bilingual or Proficient (C2)
Korean (Level 1)
Beginner (A1)

Job Achievements

Exceptional Performance (Oct 2022), Rising Star (Oct 2021) for Quality benchmark on one of the Critical processes.

Personal Information

  • Date of Birth: 02/20/1995
  • Nationality: Indian

Timeline

Consultant – Compliance & KYC

Element Alpha SA (Commodities Trading Company)
07.2023 - Current

Senior Analyst - Compliance & Risk

Travelex India Pvt Ltd (Money Service Buisness)
05.2021 - 06.2023

Analyst

YNI Global Services LLP (GSS to GP Global Group)
09.2019 - 04.2021

Junior Clerk

Citizen Credit Co-operative Bank ltd
01.2018 - 09.2019

Analyst

Royal Bank of Scotland
11.2016 - 12.2017

Master of Accountancy - Accountancy

University of Mumbai

Bachelor of Commerce - Accounting & Finance

St. Andrews College

Higher Secondary Certificate - Commerce

St. Anne's Junior College

Secondary School Certificate -

St. Anthony's High School

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