Angel Igharo

AML Analyst at PwC (TD Bank project) (2025-08 – Present)

Investigated complex profiles involving multiple entities, beneficial ownership, layered transactions, and high-risk jurisdictions.
Applied a risk-based analytical approach to identify and evaluate red flags across geographic risk, customer type, product usage, transactional patterns, and ownership complexity, producing defensible, audit-ready conclusions.
Conducted in-depth transaction monitoring investigations, analyzing transactional flows and behavioral patterns to detect potential money laundering, terrorist financing, fraud indicators, and sanctions-related risk.
Reviewed and cleared/escalated PEP and RCA profiles, including adverse media assessment, role influence evaluation, and enhanced controls recommendations in alignment with internal AML policy.
Assessed and validated Source of Funds (SOF) and Source of Wealth (SOW) using structured logic, documentation review, and reasonability testing to support risk rating decisions.
Produced high-quality case narratives with clear investigative reasoning, ensuring findings were traceable, defensible, and aligned with compliance standards.
Recognized for strong investigative judgment and ability to independently resolve complex high-risk files with minimal rework.

Settlement Administrator at Rathbones (2021-10 – 2024-02)

Settled market trades across unit trusts, equities, and residual securities while maintaining high accuracy and regulatory compliance.
Improved settlement efficiency by 25% through proactive coordination, follow-ups, and process discipline across internal teams and external brokers.
Managed own-name and third-party custodian settlements in line with CASS regulations, reducing compliance incidents by 30%.
Expedited settlement of new issues and fund transactions, improving turnaround time by 20% and maintaining a 98% on-time settlement rate.
Reconciled nominal accounts and reduced outstanding queries by 95%, improving reporting quality and reducing operational risk.
Maintained weekly outstanding brokers reporting with high accuracy to ensure timely resolution of failed or pending trades.

Transaction Taxes Settlements Administrator at BNY Mellon (2020-01 – 2020-10)

Processed and reconciled over 1,200 tax-related transactions monthly, achieving 100% compliance and reducing reconciliation discrepancies by 40%.
Recovered 90% of eligible SDRT funds from a two-year backlog, delivering significant cost savings and operational improvements.
Streamlined processes for unpaid UK and Irish CREST items, cutting processing times by 20% and enhancing data accuracy.
Reviewed client entitlements and exemptions, improving tax reporting accuracy and reducing errors by 25%.
Successfully eliminated a two-year backlog of stamp duty reclaims, increasing team output and ensuring timely regulatory submissions.

Logical Access Management (LAM) System Administrator at Absa Group (2018-08 – 2019-05)

Secured the bank's infrastructure and critical business applications across 7 African countries by implementing encryption, role-based access controls, and multi-factor authentication to protect sensitive data.
Streamlined user access management for critical banking applications, working closely with IRM teams to validate users, enforce data governance policies, and ensure secure and compliant access protocols.
Directed the Joiners Movers Leavers (JML) process across Africa, establishing robust access control systems to verify user identities and ensure strict compliance with data protection standards.
Served as the primary escalation point for complex access control issues, troubleshooting and resolving high-risk access incidents, while ensuring timely completion of business attestations.
Implemented and maintained role-based access control, privileged access control, and developer access protocols in production environments to ensure strict adherence to Barclays Global Logical Access Standards.
Led risk mitigation efforts by enforcing stringent security protocols and auditing access logs, reducing security incidents by 15% and maintaining secure banking operations across multiple countries.
Regularly audited and enhanced security protocols in line with regional regulations and internal policies, integrating encryption and multi-factor authentication to improve the security posture by 20%.

KYC Consultant at Rand Merchant Bank (2017-08 – 2018-07)

Conducted thorough reviews of KYC records, leading to improved accuracy in document verification processes and a 30% improvement in the turnaround time for onboarding new clients.
Spearheaded tax reporting projects, ensuring 100% accuracy in client profiles and significantly improving project deadlines, which boosted compliance performance.
Developed and implemented a streamlined KYC escalation process while resolving data discrepancies with analysts, reducing errors by 30% and shortening the escalation cycle by 20%, thereby enhancing overall operational efficiency.
Provided expert KYC consultancy, updating and automating procedures while auditing client accounts, resulting in a 40% increase in compliance efficiency and a 100% audit pass rate during regulatory reviews.
Conducted comprehensive reviews of customer documentation, identifying and mitigating risks, and ensuring compliance with global AML/KYC regulations, resulting in the early detection of fraudulent activities in 10 high-risk accounts.
Designed and deployed a risk-based approach to customer due diligence (CDD), enhancing fraud detection capabilities by 35% and reducing regulatory breaches by 20%.
Collaborated with cross-departmental teams to implement KYC/AML software solutions that streamlined compliance reporting, reducing manual errors by 25% and enhancing regulatory audit outcomes.

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