Senior Compliance Analyst - TD Bank
(2025-02)
Regulatory Compliance & Risk Management
- Monitored compliance with applicable laws, regulations, and internal policies to ensure adherence to regulatory requirements and organizational standards.
- Conducted periodic compliance reviews, control testing, and risk assessments to identify compliance gaps, operational risks, and control deficiencies, recommending appropriate corrective actions.
- Researched and analyzed evolving regulatory requirements, industry best practices, and emerging compliance trends, supporting the implementation of regulatory changes across the organization.
- Assisted in developing, reviewing, and maintaining compliance policies, procedures, governance documents, and operational guidelines to ensure alignment with applicable regulatory frameworks.
- Maintained accurate, organized, and audit-ready compliance documentation, including policies, procedures, risk assessments, reports, and supporting evidence.
- Provided compliance guidance and advisory support to business units and employees, promoting awareness of regulatory obligations and strengthening the organization's culture of compliance.
- Supported the implementation of compliance risk management strategies by identifying regulatory risks and recommending process improvements to strengthen internal controls.
- Assisted in planning and coordinating internal audits, regulatory examinations, compliance reviews, and control assessments, ensuring timely preparation of documentation and effective remediation of findings.
- Participated in control effectiveness reviews to evaluate the design and operational effectiveness of compliance controls and monitor ongoing compliance with internal standards.
- Supported the investigation, documentation, and resolution of compliance-related incidents, policy breaches, and regulatory issues, ensuring appropriate escalation and corrective action.
- Assisted in developing and tracking corrective action plans, monitoring remediation progress, and maintaining incident logs to ensure timely resolution of compliance findings.
- Prepared compliance reports, risk summaries, and management updates, providing stakeholders with insights into compliance risks, audit findings, remediation status, and regulatory developments.
- Collaborated with Compliance, Risk, Legal, Internal Audit, Operations, and business stakeholders to support enterprise-wide compliance initiatives and continuous improvement of the compliance framework.
Senior Financial Crime Consultant - Shake pay
(2024-09 - 2024-11)
- Identified data anomalies and red flags related to money laundering, terrorist financing, fraud, and sanctions violations, escalating issues for second-level review.
- Verified client identities to understand the nature and purpose of their relationships with the financial institution, escalating cases as needed for further review.
- Assisted with advanced tasks such as client communication, production data analysis, and the creation of client-specific training materials.
- Provided independent support to analysts with workflow items and administrative tasks as needed.
- Submitted written work products for review by AMLRS and client-led quality control teams, making adjustments and incorporating feedback as required.
- Ensured timely and accurate completion of tasks by adhering to all designated timeframes and procedures.
- Contributed to a collaborative and team-oriented work environment.
- Complied with all relevant federal and state laws, regulations, and guidance related to Anti-Money Laundering, as well as company policies and client requirements.
Senior Risk (FIU) Consultant - Industrial Commercial Bank of China
(2024-04 - 2024-08)
- Conducted quality control reviews of comprehensive Enhanced Due Diligence (EDD) processes and AML investigations for high-risk customers, with a focus on specialized categories.
- Utilized expertise to evaluate reasonable grounds for suspicion of money laundering, terrorist financing, and other financial crimes.
- Reviewed completed EDD files and other investigations within the High-Risk Customer Program for quality assurance.
- Provided feedback and coaching to support the Manager of AML Financial Crime Investigations.
- Led end-to-end EDD reviews and AML investigations, including second-level reviews of enhanced due diligence processes.
- Assisted in overseeing the High-Risk Customer Program in Canada, working closely with internal and external stakeholders.
- Ensured the effective design and operation of controls to mitigate risks and ensure compliance with regulatory requirements and internal control systems.
Senior AML & Compliance Specialist (WM) - Morgan Stanley
(2023-02 - 2023-10)
- Analyzed high-risk customers and transactions to identify potential instances of money laundering, fraud, and other financial crimes.
- Investigated financial data, transaction trends, and account behavior to detect unusual or suspicious activities.
- Leveraged various tools and databases to gather relevant information and assess risk levels.
- Prepared detailed reports outlining findings, analyses, and recommendations for further action.
- Collaborated closely with internal teams such as Compliance, Legal, and Risk Management to escalate issues and ensure timely resolution.
- Stayed informed on regulatory changes, industry trends, and best practices in anti-money laundering (AML) and know your customer (KYC) compliance.
- Provided training and guidance to junior analysts to improve the effectiveness of the EDD process.
QA Specialist-Compliance and AML (EDD & TMS) - IBM Canada
(2021-11 - 2022-04)
- Facilitated ongoing and periodic evaluations to address evolving business needs and emerging risks, coordinating with regulatory bodies, business coordinators, and other relevant units.
- Conducted quality assurance (QA) analyses for new customer onboarding and periodic reviews of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) using various AML case management systems. Collaborated with departments such as Anti-Financial Crimes, Negative/Adverse News Screening, World Check, and OFAC Advisory Quality Control to ensure the creation of high-quality files.
- Ensured accurate and comprehensive reporting of completed and attempted suspicious transactions, adhering to the guidelines set by the AML Financial Intelligence Unit (FIU).
Senior AML Compliance Associate - Emirates - National Bank of Dubai
(2021-05 - 2021-10)
- Worked with regulators, partners, and stakeholders to assess and address potential risks and escalate issues when necessary.
- Assessed business risks to ensure alignment with relevant laws, policies, and regulations.
- Played a key role in developing AML Compliance Risk Management (ACRM) standards and policies.
- Analyzed and compared data to generate reports for AML risk assessments. Managed investigative processes for CIP, KYC, and AML programs.
- Delivered training on AML and sanctions to teams and collaborated with regulators on both internal and external AML audits.
Manager Risk & Compliance – Emirates - First Abu Dhabi Bank
(2020-09 - 2020-12)
- Performed quality control reviews of AML investigations to ensure thoroughness and effectiveness.
- Reviewed KYC documentation (both new and existing), conducted name screenings, evaluated complex ownership structures and financial statements, and assessed negative/adverse media to determine client risk profiles. Forwarded cases to the AML or Fraud team and coordinated with regulators.
- Assisted the Associate Director of Client Onboarding Reporting and Analytics by delivering timely, relevant, and accurate data analytics and MIS to support the design and coordination of KYC and Regulatory Onboarding activities.
- Created internal procedures to prevent money laundering and supported efforts to address financial crimes.
- Worked with partners and stakeholders to assess and mitigate potential risks, escalating issues as needed, and evaluated business risks to ensure adherence to applicable laws, policies, and regulations.
- Provided training to both new and existing staff, and conducted 4-eye quality control checks for Business Coordinators and Risk Managers, ensuring compliance with regulatory and Enhanced Due Diligence (EDD) policy requirements.
Team Lead - FCC Global Sanction Due Diligence – Emirates - HSBC
(2016-07 - 2020-04)
Provided guidance and direction to businesses on controls and regulations related to Money Laundering, Terrorist Financing, Sanctions, and High-Risk Clients, ensuring alignment with business strategy and regulatory requirements.
