Nivia Rachel John

• Process all client requests related to KYC/CRS/Fatca requirements
• Review and update KYC forms for individual and non - individual customers
• Conducted comprehensive documentation reviews for corporate clients to ensure compliance with central bank regulations
• Collaborated with internal teams and relationship manager to resolve document discrepancies and maintain accurate client records
• Analyzed complex corporate ownership structures to ensure documentation accuracy and conducted through quality checks on verification processes
• Documented all remediation activities, generated detailed progress reports and utilized data insights to identify risk and recommend process enhancements
• Managed account closures for clients with incomplete or expired KYC documents to maintain regulatory compliance
• Prioritized tasks effectively under tight deadlines without compromising on quality.
• Assisted with remediation projects and initiatives.
• Coordinated staff training for improved performance.
• Helped superiors to prepare reports and presentations to aid informed decision-making.
• Managed incoming and outgoing mail on, maintaining prompt responses.
• Conduct Quality Assurance testing on business banking day to day activities
• Assist in identifying and escalating problem areas and risk associated with processes and make recommendations to improve quality of work.
• Track, follow up and support first line for closure of identified control gaps
• Provides training to new recruits in the department in overall functioning of the department
• Monitor day to day performance of team and ensure to share ideas with team for better way of achieving targets

Role as Controls Officer

• Enhanced Due Diligence of new-to-bank customers, verifying business model through KYC forms to analyze details of business activity according to the line of business and length of business.
• Analyze the Source of Funds / Wealth and Ultimate.
• Identification of Beneficial Ownership.
• R&D including name checks/ World check, Domain checks to identify any adverse results on entities related to the company.
• Detailed account statement due diligence of older companies so as to justify the business turnover and to arrive at initial comfort on the parties with whom business is conducted.
• Time to time review and remediation of 'high risk-high profit' accounts.
• Customer investigation for alerts raised on high value cash/non cash transactions in SAS AML monitoring platform.
• Analysis of company's supporting documentary evidences against business activity to rule out forgery/fraud.
• Checking of all other documentations pertaining to account opening to ensure compliance to Central Bank and internal banking policies.
• World Check & Firco screenings and approvals.
• Provide advice to business in discharging their responsibilities to comply with relevant regulations.
• Review client transactions, conduct initial analysis and identify suspicious activity as well as escalate cases for further review.
• Research entities and/or individuals using both public domain and database search services.
• Assisting and providing information to support Suspicious Activity Reports (SAR) or equivalent for regulatory filing.
• Supports senior staff in researching and responding to regulatory requests or correspondent bank queries. Assess, track, remediate, report and escalate issues.
• • Using transnational statements, customer records, internal / external watch list data and publicly- available information to identify suspicious or unusual activity in terms of money laundering, terrorist financing and sanctions violations.

Role as Credit Officer

• Analyze and evaluate applications based on the approved credit policy and process within the agreed turnaround time.
• Analyze customer data such as financial statements and profiles to determine the level of risk involved in money laundering or fraud.
• Prepare documents for under writing by verifying company income, credit bureau report and other information.
• Ensure all and credit checks are documented before moving to next level.
• Conduct financial review of customer in-line of credit by accessing company financials and initiating applications for credit review.
• Ensure to monitor risk and market trend to suggest amendment in policies when require to minimize risk and increase quality.
• Ensure deviation approvals from business and credit parameters are done as the delegated authority matrix.
• Contacting customers and verify customer details on case-to-case basis.
• Provide training to new recruits in the department.

• Carry out all central operational tasks, ensuring all activities are completed within timescales and with a high degree of accuracy while adhering to bank's policy and process.
• Assist operations managers and officers in handling branch enquiries and create customer databases.
• Handle office correspondence such as drafting reference letters and emails to clients on the organization's behalf.
• Take and respond to queries put forth by branches on customer request.
• Provide and assist officer with clean-up projects and required MIS on regular basis.
• Diarize customers request/ follow-ups and process the requests on required dates.
• Perform any other duties or tasks required or instructed by the officer / manager to support the smooth operation of the department.

• Organizing credit and short-term proposals and then turning around both within the benchmarked time frames.
• Escalating questions for in-depth analysis of customer's requirements.
• Reviewing account position and highlighting strengths/weakness in account conduct.
• Requesting and keeping track of credit check related to clients with other banks.
• Liaising with other support departments for problem solving & coordinated with Relationship Managers for decision-making.
• Ensuring portfolio is within the acceptable credit & compliance standards.

• Company Overview: Parent Company: Euro Arab Marketing Management LLC
• Providing assistance in every aspect to the sales team onto their SME loan applications in the internal credit dept.
• Coordinating between departments and operating units in resolving day-to-day administrative and operational problems.
• Performing the daily operational activities from entering of application until their disbursal from the dept.
• Maintaining daily MIS and forwarding it to the respective Managers.
• Handling all queries (mailbox, telecom) of the loan applications.
• Assist colleagues of the unit in a backup capacity.
• Assisting in pre-processing check as and when required.
• Parent Company: Euro Arab Marketing Management LLC

• Understand the requirement of the client. Also interact with the client personally if the JD is not implicitly described.
• Once JD is understood, search the tool, which could be used to get the right CV for the anticipated vacant position with my client and scrutinize the prospect for its fit.
• During the Securitization process try to find out 'Is he meeting the criteria of Job Specification' and 'Is he fit for the culture of the organization' and 'Is he serious about the opportunity' and most importantly 'Is there anything hidden in his profile'.
• Once the profile is sent to the client depending upon the fit, I constantly interact with the client to get feedback. If the profile gets rejected, try to understand 'Why' from my client. To have a grip over my client's perception and if the profile gets selected, try to continue the benchmark.
• Follow up with the shortlisted candidates and persuade them to join my client's organization, which includes salary and joining date negotiation.
• Quarterly visit to the client's offices to better understand their business needs and values, manpower requirements for the future and align my business plans in accordance with my clients.
• Adding value to our services.
• Service them at the crucial time of their need.
• Meetings with clients.