Nurul Emilya

AML/CFT and e-KYC Risk Specialist with experience supporting a digital banking environment at Bank Islam Malaysia Berhad (BIMB). Strong exposure to AML/CFT controls, STR reporting, FAR/FRR regulatory submissions, vendor due diligence, and e-KYC governance aligned with BNM requirements. Proven ability to translate regulatory expectations into practical SOPs, internal controls, and sustainable process improvements.

Anti Financial Crime - Bank Islam Malaysia Berhad

(2024-06)

• Prepared FAR/FRR performance analysis papers, supporting management decision-making and regulatory review
• Reviewed and resolved FAR/FRR issues with Audit team, ensuring accurate and timely submission to Audit and BNM
• Developed governance decks, regulatory papers, and management presentations for committee and regulatory discussions
• Designed and implemented e-KYC Policy, defining risk appetite and controls aligned with BNM policy requirements
• Developed and maintained e-KYC SOP, including process flows, updates, and clear risk and control definitions
• Designed OCDD/ECDD SOPs and automated OCDD processes triggered by customer lifecycle milestones
• Conducted vendor due diligence and performance reviews, strengthening oversight of e-KYC service providers
• Provided AML/e-KYC requirements for new Be U products, ensuring compliance with regulatory expectations
• Collaborated with Engineering team to develop e-KYC dashboard for realtime monitoring of onboarding performance
• Implemented automation for STR reporting, tracking processes, and account closure notifications to improve efficiency
• Completed Institutional Risk Assessment (IRA) inputs and AML/CFT documentation for digital banking products
• Managed regulatory requests from Compliance and BNM, ensuring governance, consistency, and audit readiness
• Supported HOD in policy proposals and process improvement initiatives through structured governance documentation
• Approved and assigned risk codes for newly onboarded customers, strengthening onboarding risk classification
• Conducted due diligence on AML watchlist alerts in collaboration with Advisory team to mitigate compliance risks
• Reviewed fraud monitoring alerts and assessed account profiles to determine escalation or closure decisions
• Prepared customer questionnaires and coordinated with Customer Service to support investigation processes
• Conducted account investigations and executed actions in accordance with internal SOPs and compliance standards
• Managed Law Enforcement Agency (LEA) requests and provided supporting documentation for investigations
• Raised STR and responded to National Scam Response Centre (NSRC) requests in a timely manner

Bachelor of Islamic Finance (Banking) (Hons) - Islamic Finance - Universiti Islam Antarabangsa Selangor (UIS) (2022-01 - 2023-12)

Foundation in Management - Management - Universiti Islam Antarabangsa Selangor (UIS) (2019-01 - 2021-12)