Shiva Rafiee

Conducted and effectively challenged risk assessments on complex, high-value financial movements, managing compliance guidelines for large-scale fund transfers, wire reviews, and transaction velocity limits. Performed intensive transaction monitoring and AML surveillance for high-volume retail banking operations, maintaining a 99.8% compliance accuracy rate in alignment with internal policies and institutional compliance frameworks. Investigated complex transaction anomalies and performed root cause analysis on suspicious activities, resolving 45+ critical control failures and mitigating potential compliance penalties.

Specialist - Simplii Financial (CIBC) - Toronto, ON

(2022-01 - 2026-05)

• Conducted and effectively challenged risk assessments on complex, high-value financial movements, managing compliance guidelines for large-scale fund transfers, wire reviews, and transaction velocity limits.
• Performed intensive transaction monitoring and AML surveillance for high-volume retail banking operations, maintaining a 99.8% compliance accuracy rate in alignment with internal policies and institutional compliance frameworks.
• Investigated complex transaction anomalies and performed root cause analysis on suspicious activities, resolving 45+ critical control failures and mitigating potential compliance penalties.
• Advised and guided internal team members on consumer protection regulations and proper privacy protocols during the processing and escalation of high-risk transactions.
• Managed high volumes of sensitive customer documentation under tight timelines, achieving a 100% resolution rate on high-profile risk cases escalated to senior compliance management.
• Collaborated with back-office and internal audit partners to meet corporate and fiduciary obligations, consistently exceeding monthly compliance and SLA targets by 12%.

Credit Cards Sales & Services Specialist III - CIBC - Toronto, ON

(2022-01 - 2026-05)

• Provided regulatory perspective and oversight on credit card portfolios, managing risk parameters and evaluating account limits against corporate compliance eligibility structures.
• Evaluated customer account profiles to identify, assess, and resolve credit and compliance risk issues, successfully identifying and remediating over 120+ credit risk scenarios.
• Utilized core banking tools and TSYS environments to maintain accurate, audit-ready data trails and client profile documentation, achieving a "Zero-Error" rating during consecutive internal quarterly audits.
• Monitored sensitive bank and customer information, building strategic internal relationships that shortened the review and escalation timeline for high-priority risk investigations by 5 business days.
• Identified portfolio cross-sell and up-sell opportunities while strictly adhering to Anti-Money Laundering (AML) controls and fraud awareness protocols, boosting organic portfolio growth by 18%.

Marketing / Project Management - Fereshtegan - Iran

(2018 - 2019)

• Coordinated project lifecycles, marketing activities, and milestones between cross-functional stakeholders, ensuring compliance with internal operational procedures.
• Compiled, analyzed, and reported sensitive business data to management to support data-driven decision-making and identify enhancements to existing processes.
• Assisted in implementing revisions to team procedures, ensuring all project execution deliverables met documented corporate guidelines.

Project Manager & Business Growth Lead - Diba Sazeh Negar - Iran

(2016 - 2018)

• Managed operational coordination and tracking across project development teams to meet commercial schedules within a high-stress, fast-paced environment.
• Maintained vital client and partner relations, analyzing risks and consequences of unaddressed project factors to recommend appropriate control metrics.
• Developed and presented comprehensive business growth and performance reports for executive review and corporate decision-making.

Project Coordinator & Analyst - Diba Sazeh Negar - Iran

(2015 - 2016)

• Collected background project metrics and created highly organized analytical reports to assist in strategic executive operational planning.
• Monitored scheduled project deadlines, proactively identified operational bottlenecks, and followed up on critical interdepartmental deliverables to manage risk.

Bachelor of Laws (LL.B.) - Shiraz University

Post-Graduate Certificate in International Business Management - George Brown College