Designated Compliance and Operational Risk Officer (DCORO) January 2022 - Present
CIMB Bank Berhad - Risk & Control Unit, Financial Institutions Group, Group Wholesale Banking Division
- Act as liaison person for department with relevant stakeholders i.e., Group Financial Crime Compliance (GFCC), Group Operational Risk Management (GORM), Customer Diligence and Acceptance Unit (CDA), etc. in relation to all risks and compliance related matters.
- Assist in execution of operational risk framework.
- Organize, document and maintain relevant compliance related documentations for audit reviews by GFCC / Group Corporate Assurance Division (GCAD) / regulators when required.
- Ascertain action plans are appropriate and prioritized for control gaps. Ensure satisfactory and timely closure. Review department's processes, identified risks and controls based on GORM & GFCC Tools, Approach (Control Issue Management (CIM), Loss Event Data (LED), Key Risk Indicators (KRI), Risk and Control Self-Assessment (RCSA), etc.), definitions and methodology to ensure standardization in monitoring, reporting and documentation.
- Prepare risk and control related management reporting and analytics for relevant stakeholders.
- Review and maintain department's Policy, Procedure and Standard Operating Procedures (SOP) according to latest development and changes in relevant policies, standards and regulations.
- Support department for all internal and external audit engagement, compliance review and work closely with relevant stakeholders to address all queries and/or requests throughout audit exercise. Follow through all audit remediation actions for a complete and timely resolution.
- Carry out implementation of RCSA and ensure Compliance Self-Testing Matrix is updated with relevant regulations / guidelines and tested accordingly.
- Review and close watchlist management alerts on customers with PEP, Sanction, Enforcement and Adverse Media alerts.
KYC / AML Analyst Oct 2018 – Dec 2021
CIMB Bank Berhad, Customer Diligence & Acceptance Unit, Financial Institutions Group, Group Wholesale Banking Division
- Conduct KYC on-boarding and on-going due diligence (ODD) assessment on new-to-bank and existing-to-bank Financial Institutions, Non-Bank Financial Institutions and Money Service Business relationships in accordance with the Bank’s policies and procedures i.e., CIMB Group AML/CFT and TFS Policy and Procedure.
- Conduct and assist in ensuring ongoing due diligence exercise and KYC assessment are maintained while identifying substantive changes to customer profiles.
- Perform fund screening for funds and end-beneficiaries managed by fund/asset managers and insurance/takaful companies.
- Assist Regional Customer On-boarding Platform (R-COP) project team to establish an e-KYC platform for transition of manual to e-KYC as a project team member. Collate data for backend data migration. Perform front-end data migration. Carry out User Acceptance Testing (UAT) and User Verification Testing (UVT).
- Responsible for putting in place and/or any updates, changes, amendments to the department's Policies, Procedures and Standard Operating Procedures, as maker/manager of Policy and Procedure of the department.
- Ensure compliance with regulatory requirements and Group Policy & Procedure, end to end on-boarding and periodic review process, keep abreast with regulatory requirements of other jurisdictions.
- Assist the department's Designated Compliance and Operational Risk Officer (DCORO) in compliance and audit matters.
- Communicate effectively with peers, front-line, other business units and management when requesting information or documentation and addressing concerns or findings.
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Credit Analyst Jan 2018 – Jul 2018
CIMB Bank Berhad - Retail Credit Management (RCRM) - Consumer Credit Operations (CCO) - Secured Credit Management - Mortgage and Non-Mortgage
- Review and process Amanah Saham Bumiputera (ASB) financing loan application.
- Recommend decisions (approve & decline) to credit supervisor/manager on loan applications based on the Bank's Policy and Guidelines.
- Perform credit evaluation and loan processing for secured and unsecured lending products. Conduct CCRIS, CTOS & Connected Party Checks and credit verification.
- Identify risks of each loan application and requests. Attend to queries and other ad-hoc requests from customers.
- Communicate with sales staff, customers and relevant parties to obtain information/verification for credit assessment.
- Ensure compliance of the bank's lending guidelines and policies. Perform review of loan application within the targeted turnaround time.
