Neenu Najma Abdul Wahid
Trivandrum
Summary
Compliance Monitoring Officer and Branch Administration Manager with practical experience in regulatory oversight and internal controls. Actively building expertise in EU AML/CFT frameworks including FATF, CSSF, and AMLD 6, with a focus on Luxembourg regulations. Currently learning Lexis Nexis and French at a beginner level. A continuous learner with a strong interest in compliance advisory, eager to relocate to Luxembourg and launch a career with PwC.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Manager - Compliance Monitoring and Branch Operations
The Federal Bank Limited
Trivandrum
12.2021 - Current
- Conducted thorough inquiries, converted suspicious transaction patterns and contributed to the preparation of STRs (Suspicious Transaction Reports) for submission to AML compliance monitoring department.
- Appraised client controls through risk assessments to gauge adequacy and operational effectiveness of AML/CFT frameworks, identifying areas for enhancement for further reporting to the department.
- Liaised regularly with key financial services actors including ,fund administrators, and internal compliance and risk teams to streamline client onboarding and periodic review processes.
- Examined application of AML procedures, encompassing thorough analysis of customer due diligence (CDD), enhanced due diligence (EDD), and transaction monitoring files.
- Delivered customized AML/CFT training programs to front-line staff of the brancg to foster an institution-wide compliance culture.
- Oversaw numerous client engagements focused on AML/CFT within private, commercial, and investment banking areas, including thorough assessments of AML programs, gap analyses, and integration of regulatory frameworks.
- Facilitated customer due diligence, confirming alignment of risk-based assessments with KYC/AML obligations
Assistant Manager – AML Operations & Client Suppor
The Federal Bank Limited
Trivandrum
07.2013 - 11.2021
- Supported execution and assessment of client AML/CFT policies for alignment with Indian and global standards (e.g., RBI, PMLA, FATF)
- Carried out comprehensive evaluation of customer KYC and due diligence files to confirm fulfillment of all required documents and checks.
- Participated in preparing and updating internal AML/CFT training materials for employees.
- Helped monitor client transactions and flagged unusual or potentially suspicious activity for further review.
- Worked with other departments like operations, legal, and account opening teams to make sure AML/CFT checks were properly done.
- Maintained and organized AML documentation for audits and internal reviews.
Education
Post-Graduate Certificate - Equivalent To MBA - HR, Marketing
DCSMAT School of Media And Business
Trivandrum, India05.2013
Skills
- KYC/CDD/EDD Procedures, Suspicious Transaction Monitoring(SAR and STR), Sanctions Screening
- FATF Recommendations, PMLA (India), EU 6AMLD, CSSF AML Guidelines, SEBI/RBI Regulatory Compliance
- Client Communication and onboarding
- Risk assessment
- AML Training Delivery
- Change Management in Compliance Programs
- Attention to detail
- Self starter and self motivated
- Continuous learner
- Team management and Ownership
- MS Office Tools
Certification
- ICA Certificate in Anti Money Laundering, International Compliance Association (ICA) - ONGOING
- Global Certification in European Union Law and Banking Regulation, London School Of Business and Administration -ONGOING
- Certification on Basics of Commercial Finance, Commercial Banking and Insurance, LinkedIn, 06/01/25
- Certification on Cybersecurity, LinkedIn, 06/01/25
- Internal Certification on Banking Compliance, The Federal Bank Limited, 01/01/25
- IRDA Certification for Specified Person - Corporate Agents, Insurance Institute of India, 05/01/22 - Current
Accomplishments
- Reduced compliance lapses of branch by 30% in compliance audit conducted internally in FY 2025.
- Responded with full evidence to 95% AML alerts raised thereby improving the regions AML case resolution efficiency for the FY 25.
- Filed 12 STRs in the FY 25 to the internal compliance department of the branch which contributed to law enforcement actions by authorities.
- Continuous compliance training and information sharing to employees of the branch in lieu with RBI, PMLA and FATCA regulations through online platforms like WhatsApp and branch email which resulted in achievement of 75% of internal compliance.
- 86% spot rectifications of audit comments raised by statutory and internal auditors with zero major observations.
- Achieved 99.9% accuracy in account opening, documentation and KYC compliance avoiding regulatory penalties and improved audit scores.
- Secured consistent first position in compliance campaigns held internally in all quarters of FY 25.
Languages
English
Proficient (C2)
C2
French
Beginner (A1)
A1
Regulatory Domain of EU
Continuously self learning EU regulations , CSSF circulars , Fund Industry of Luxembourg , FATF regulations, Global AML policies and AML tools such as Lexis Nexis
Timeline
Manager - Compliance Monitoring and Branch Operations
The Federal Bank Limited
12.2021 - Current
Assistant Manager – AML Operations & Client Suppor
The Federal Bank Limited
07.2013 - 11.2021
Post-Graduate Certificate - Equivalent To MBA - HR, Marketing
DCSMAT School of Media And Business
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