DIVYA JOY
Dubai,United Arab Emirates
Summary
Accomplished compliance professional with extensive expertise in corporate compliance, risk management, and customer due diligence. Demonstrated proficiency in Know your Customer (KYC), anti-money laundering, and enhanced due diligence processes. Adept at compliance monitoring, managing politically exposed persons (PEP) cases, and utilising tools such as T24 Globus, World Check, BPMS, and Google Search Console. Skilled in MS Office applications and diplomatic negotiation with a results-oriented approach to client engagement and compliance awareness. Committed to advancing career goals within the compliance sector by leveraging comprehensive skill set to ensure regulatory adherence and mitigate risks effectively.
Overview
11
11
years of professional experience
Work history
Specialist Target Market Listing EmployeeBanking
First Abudhabi Bank
Dubai, United Arab Emirates
2023.07 - Current
- Managed high-risk projects, ensuring safety compliance at all times.
- Negotiated favourable terms with vendors, securing cost-effective deals for the company.
- Conducted comprehensive market research, resulting in informed strategic planning.
- Analysed complex datasets for improved decision-making processes.
- Increased client satisfaction by providing specialised support and advice.
- Performed regular system backups, preventing potential data loss.
- Installed new technology systems seamlessly into existing infrastructure.
- Coordinated supplier relationships, ensuring timely delivery of products.
- Diagnosed hardware faults accurately to minimise downtime.
- Facilitated productive team meetings, fostering a collaborative work environment.
- Resolved technical issues promptly, enhancing overall system performance.
- Developed bespoke software solutions to meet specific business needs.
KYC Analyst, Business Banking - Commercial Banking
FIRST ABU DHABI BANK
DUBAI, UAE
2019.10 - 2023.07
- Ensure all the required documentation has been collected in line with the applicable checklists.
- Review KYC documents of entity new clients by collecting relevant KYC information, undertaking research via internal and external sources and gathering and analyzing KYC documents in accordance with regulatory and Banks AML policies.
- Manage BAU KYC refresh for commercial banking including development of project plan, assignment of responsibilities and monitoring delivery.
- Ensure account opening forms & KYC forms have been completed adequately and have been verified by the Business coverage teams.
- Name screening and conduct world checks, AML checks Internal and external restricted list and adverse media finding of entities.
- Assessing the completeness and quality of KYC documentation of entities submitted by the clients, do the risk assessment, identify the red flags.
- Conducting EDD reviews on all high and very high risk entities under commercial banking
- Escalating any referrals to AML & Compliance unit for further Investigation/Decision.
- Work closely together with FAB compliance to make sure our operational process is in line with the set guidelines.
- Understand the sanctions or any other regulation impact on the overall relationship of the client.
- Process KYC onboarding and ongoing /trigger review asper SLA.
- Perform additional compliance related tasks assigned by the Line Manager.
- Prepare and provide daily reports, other management reporting and different initiative take for improvement and enhancement.
- Escalate issue to functional experts on higher risk relationship (FPEP’s, Sanction links another complex structure.
- Quick resolution of inquiries & proactive avoidance of recurrence of issue related customer onboarding request and ensure the adherence to SLA.
- Managed sensitive client information securely adhering strictly to data protection principles.
- Facilitated smoother client onboarding process, resulting in enhanced customer satisfaction.
- Improved data integrity through diligent updating and maintenance of customer records.
- Collaborated effectively with internal teams to expedite KYC verification process.
- Developed comprehensive client profiles to enhance due diligence efforts.
- Worked diligently towards meeting project deadlines whilst maintaining high quality work output.
- Implemented new screening tools for enhanced detection of potential fraud activities.
- Regularly updated knowledge on regulations, ensuring continuous compliance with evolving guidelines and laws regarding KYC and AML and CFT requirements.
- Achieved robust compliance standards with meticulous monitoring of transactions.
DOCUMENT CONTROLLER
LION MORTGAGE CONSULTANTS
Dubai, UAE
2017.11 - 2018.10
- KYC checking of entities with proper documents as per checklist
- Documentation checking of customers and companies
- Name Screening of customers
- Checking risk profile of customers and perform additional compliance related task
- Maintained confidentiality and security of sensitive information in accordance with company policies.
- Managed the flow of both electronic and hard copy documents efficiently, thereby enhancing overall organisational effectiveness.
- Enhanced team productivity with prompt resolution of document-related issues.
- Achieved improved operational efficiency through regular updates of document control procedures.
- Organised departmental meetings regularly to discuss common challenges and devise solutions together.
- Streamlined document retrieval by implementing an efficient filing system.
- Coordinated the disposal or archiving of obsolete documents per regulations, improving storage management practices substantially.
- Developed detailed reports using advanced Excel skills to support senior management's decision-making process.
- Conducted comprehensive audits for ensuring compliance with company standards.
- Trained new staff members on standard operating procedures, leading to a more effective workforce.
- Ensured timely project completion by maintaining organised and updated documents.
- Established high-quality control measures, resulting in significant error reduction in documentation process.
- Implemented state-of-the-art software to expedite document processing, fostering increased productivity.
- Handled contract administration duties meticulously; fortified business relationships while protecting company interests.
- Reviewed, approved, and tracked changes made to important projects, reducing errors significantly.
- Used specialised applications and software to collect and preserve digital information.
- Implemented latest developments in electronic information storage technology to improve filing operations.
- Improved data accuracy through meticulous verification of all incoming and outgoing documents.
Administration Officer
PRINCE SULTAN HOSPITAL
Jeddah, SAUDI ARABIA
2015.05 - 2016.06
- To manage the general administration day to day tasks. Managing and hiring, training and evaluation of human resources
- Responsible for staff on boarding and off boarding.
- Developing new policies and procedure for better services
- Streamlining both financial and operational practices.
- Reading and responding to patient referral letters. Discussions and meetings with caregivers and patients. Overseeing the collections, securitization and utilization of facilities
- Organize research and study related to the treatment of a specific disease.
- Disciplinary meetings, case conference and reviews. Community health promotion activities.
- Preparation of police, coroner, legal and similar reports
- Fielded telephone calls professionally, ensuring customer satisfaction.
- Maintained office equipment to avoid workflow disruption.
- Liaised effectively with clients and stakeholders, establishing strong business relationships.
- Implemented new administrative procedures resulting in significant time savings.
- Conducted research for specific projects, providing valuable information for decision making.
- Provided comprehensive support to senior management team, enhancing decision-making process.
- Adhered strictly to health and safety regulations within the workplace environment.
- Assisted in financial budgeting for effective resource allocation.
- Coordinated travel arrangements efficiently, facilitating stress-free business trips.
- Streamlined administrative processes to improve productivity..
- Expedited office efficiency by managing incoming and outgoing correspondence.
- Managed digital databases and physical file systems.
- Decreased corporate costs by researching pricing, ordering and maintaining office equipment.
- Managed all transactions and tasks regarding petty cash and purchase orders.
Education
B Sc. - PG college
JIWAJI UNIVERSITY
New Delhi, India 1 2007 - 1 2011
Certificate of Higher Education - Plus Two
Girideepam Bethany English Higher Secondary School
Kottayam, IndiaCertificate of Higher Education - SSLC
Girideepam Bethany Higher Secondary School
Kottayam, IndiaSkills
- Corporate Compliance
- Risk Management
- Customer Due Diligence
- Know Your Customer (KYC)
- Anti-Money Laundering
- Enhance Due Diligence
- Compliance monitoring
- PEP
- T24 Globus
- World check
- BPMS
- Google search console
- MS Office application
- Diplomatic negotiation
- Results oriented approach
- Client engagement
- Compliance awareness
Language
Hindi
English
Tamil
Malayalam
Personal Information
DECLARATION:
I do here by declare that all the statements made in this resume are truly complete and correct to the best of my knowledge and belief. If selected I shall do my work most conscientiously. DIVYA JOY
Timeline
Specialist Target Market Listing EmployeeBanking
First Abudhabi Bank
2023.07 - Current
KYC Analyst, Business Banking - Commercial Banking
FIRST ABU DHABI BANK
2019.10 - 2023.07
DOCUMENT CONTROLLER
LION MORTGAGE CONSULTANTS
2017.11 - 2018.10
Administration Officer
PRINCE SULTAN HOSPITAL
2015.05 - 2016.06
B Sc. - PG college
JIWAJI UNIVERSITY
1 2007 - 1 2011
Certificate of Higher Education - Plus Two
Girideepam Bethany English Higher Secondary School
Certificate of Higher Education - SSLC
Girideepam Bethany Higher Secondary School