CARMELLE GOMEZ ESPIA
Dubai
Summary
Highly experienced AML & Compliance Specialist with strong track record of working with leading financial institutions in the Middle East. Proven expertise in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and Transaction Monitoring, ensuring strict adherence to AML regulations and internal policies. Skilled in identifying and mitigating financial crime risks while maintaining compliance with regulatory bodies.
Overview
11
11
years of professional experience
1
1
Certification
Work History
AML& Compliance Analyst
Al Ansari Exchange LLC
07.2024 - Current
- Reviewing transactions to identify any Money Laundering, Terrorist financing, Fraud or any other financial crime cautionary flags and rapidly dispositioning them along with escalating the alerts which requires by the Transaction (TM) Manager and /or filing with CBUAE as STR.
- Investigate the Internal Disclosures received from operations and other business units to identify any Money Laundering, Terrorist financing, Fraud or any other financial crime requires further review by the TM Manager and or filing with CBUAE as STR.
- Monitor the queues for automated alerts and ensure the investigations are undertaken based on different ML/TF typologies. Undertake additional manuel due diligence of transactions to flag the potential suspicious activities by adhering the defined process and procedures.
- Reviewing and actioning of source of funds/Purpose of transaction/Customs deceleration form alerts as per the policy procedures within the assigned TAT
- Conduct Enhanced Due Diligence process of the Inward and outward transactions as per the defined thresholds
- Undertake review of the transactions which are matching against the CBUAE search only lists matches and take appropriate actions on timely and effective manner. Review and analyze AML current trends and news in order to identify high risk areas, counterparties to incorporate in investigations analysis
- Conducting thorough KYC process for newly onboard customers, reviewing profiles and backgrounds by verifying/checking in adverse media and world check
- Executing comprehensive and detailed KYC and CDD process for individual and corporate customers
- Utilizing advanced platforms such as world check, Sea Searcher and go AML
FCY Cashier/ Cost Account Clerk
Al Ansari Exchange LLC
09.2020 - Current
- Complies with Central Bank of UAE policies related to ensure no losses/penalties.
- Exercise due diligence in process related to customer transactions to ensure legal compliance and mitigate risk.
- Managed cash transactions in both Foreign and Local currencies, delivering efficient and accurate customer service with professional demeanor
- Executed transactions, including Remittances and buying/selling of Foreign and Local currencies, with strict adherence to AML and compliance regulations, policies, and procedures
- Verified and meticulously arranged transaction receipts and supporting documents in sequential order for meticulous recordkeeping
- Determined competitive buying and selling rates for currencies, strategically attracting and retaining customers while maximizing profitability and safeguarding customer interests
- Collaborated with Branch Manager to implement business development strategies responsive to market dynamics and competitive trends
- Conducted thorough KYC procedures for onboarding new and existing individual and corporate customers
Loan Account /Marketing Officer
Rizal Commercial Banking Corporation, RCBC
06.2018 - 01.2020
- Independently verify KYC information for customer onboarding and manage data for existing customers
- Prepare endorsements and recommendations for new accounts, forwarding them to credit department for evaluation
- Maintain audit and credit ratings at compliant levels as per BSP/Internal Audit guidelines, showcasing robust AML/KYC track record
- Support collection department by addressing payment-related concerns, providing recommendations for appropriate actions
- Advise clients/accredited companies on payment default issues and collaborate with departments for resolutions
- Achieve management-set targets while upholding credit and documentation guidelines to ensure account quality
- Engage in cross-selling products like Credit Cards, Insurance, and Housing Loans
- Identify and nurture new business opportunities, contributing to maintaining and expanding existing client relationships
- Maintain high-quality portfolio with manageable delinquency rates through effective underwriting processes
- Handle customer complaints and oversee account management responsibilities
- Meet annual loan booking targets and maintain acceptable document deficiency levels
- Supervise staff, assisting with client interactions and operational tasks
- Participate in Auto Dealers Activities and report to Unit Head and Regional Head
Marketing Assistant
Bank of the Philippine Islands
01.2014 - 05.2018
- Assisted in devising and implementing effective marketing strategies to promote business growth
- Conducted independent KYC checks for new and existing customers during onboarding process
- Cultivated direct client interactions, fostering trust and rapport
- Achieved monthly and yearly marketing targets, contributing to fulfillment of organizational objectives
- Supported and accompanied loan officers to meet company and team objectives
- Collaborated with BPI Branches, Real Estate Brokers, and Auto Dealers/Salesmen
- Delivered high-quality marketing services to customers, enhancing their experience
- Established and nurtured strong relationships with Branches, Dealers, Salesmen, and Brokers
- Provided exceptional customer service, ensuring client satisfaction
- Assisted Account Officers in coordinating Auto Dealer and Real Estate Broker activities
Education
Bachelor Degree of Business Administration (B.A) - Financial Management
Bukidnon State University
2013
Skills
- Transaction monitoring
- Enhanced due diligence
- Suspicious activity reporting
- Due Diligence and Risk Assessment
- Analytical and Investigative Skills
- Attention to Detail and Organizational skills
- Financial crime prevention
Certification
Certified Anti-Money Laundering Specialist ( CAMS )
Affiliations
Association of Certified Anti-Money Laundering Specialists (ACAMS)
July 2023
Languages
English
Fluent
Timeline
AML& Compliance Analyst
Al Ansari Exchange LLC
07.2024 - Current
FCY Cashier/ Cost Account Clerk
Al Ansari Exchange LLC
09.2020 - Current
Loan Account /Marketing Officer
Rizal Commercial Banking Corporation, RCBC
06.2018 - 01.2020
Marketing Assistant
Bank of the Philippine Islands
01.2014 - 05.2018
Certified Anti-Money Laundering Specialist ( CAMS )
Bachelor Degree of Business Administration (B.A) - Financial Management
Bukidnon State University
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