LIJO JACOB
Dubai,Dubai
Summary
AML KYC professional with proven expertise in onboarding, periodic review, remediation, screening, mitigating financial risks, ensuring regulatory compliance, seeking a challenging role to leverage my comprehensive knowledge and track record of streamlining processes, enhancing due diligence procedures, and collaborating with cross functional teams. Dedicated to upholding the highest standards of integrity while contributing to the success of dynamic organization.
Overview
5
5
years of professional experience
3
3
years of post-secondary education
Work History
KYC Analyst
First Abu Dhabi Bank
01.2024 - Current
- Performed periodic reviews and reports on merchants to comply with rules, regulations and KYC requirements.
- Reviewed new prospect KYC documents to meet requirements and determine business model risk.
- Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
- Supported KYC processes for prospective and existing customers.
- Maintained up-to-date knowledge of industry best practices, sharing insights with colleagues to enhance organizational performance.
- Performed quality assurance checks on completed customer files, ensuring accuracy and completeness before submission for review or approval.
- Offered internal support for audit, compliance and reporting activities.
- Prepared high-risk reviews with results and recommendations for customer onboarding, closure and retention.
- Partnered with client-facing teams to collect legal documents and associated information for regulatory and internal policies.
- Provided training to new team members on KYC procedures, resulting in increased productivity and effectiveness.
- Identified potential risks and red flags through comprehensive customer risk assessments, mitigating potential financial losses.
- Assisted in audits, leading to improved internal controls and adherence to regulatory guidelines.
KYC Analyst
WIPRO
12.2021 - 10.2023
- Conduct client profile reviews for customer accounts,review all information and documentation ensuring compliance with local regulation.
- Perform checker role for KYC forms and client profiles according to policy requirements before due dates.
- Perform tasks related to transaction monitoring including collecting required information from clients.
- Support enhancements emanating from any changes and updates to policies and standards,by undertaking gapping activities,socializing the changes etc.
- Support process automation implementation and implementation of new and enhanced policies and procedures.
- Perform post execution quality reviews,data profiling and remediation reviews and assessment of controls.
- Assist with any adhoc review.
- Perform procedural,updates process and publish daily MIS for the team and monthly reports.
Senior Associate Analyst
TECH MAHINDRA
08.2020 - 09.2021
- To conduct on boarding & end to end KYC Customer Due Diligence (CDD).
- Verify account opening forms have been completed adequately and have been completed and verified.
- Conduct Name screening,due diligence,and Adverse Media matches.
- Confirming KYC data requirements & collecting relevant KYC information as per checklist.
- Undertaking research via internal and external sources.
- Review AML and Sanctions Questionnaires,if applicable.
- Review the appropriateness and completion of the Customer Risk Assessment.
- To promote appropriate checks and controls within the team to ensure files are processed correctly.
- Coordinating with RM / business in obtaining necessary requirements as per CDD process.
- Managing the workflow and timely submission to the final approvers.
KYC Compliance Analyst
ECLERX SERVICES LTD
07.2019 - 07.2020
- Performed Onboarding, EDD,CDD on a wide range of entity types
- Identifying gap analysis in regard to compliance & an money laundering awareness & adhered Policies as per respective country requirements
- Experienced in Adjudication of alerts on Lexis Nexis, World Check, RDC to identify potential PEP (Politically Exposed Persons), adverse Media and presence in Sanctioned countries
- Conducted transaction and product analysis to ensure that client meets all the regulatory compliance as per respective country guidelines
- Collecting the required documentation and Identifying information on new client and risk rang the clients based on geography, industry/ occupation, product, political status
- Actively involved in conducting QC of cases of team members
- Experienced in Conducting Client Outreach for documentation purpose directly with client and through Relationship Managers via call and email
- Experience in conducting off-boarding and de-scoping of clients.
Education
Master's Degree - Business Administration
ANGLIA RUSKIN UNIVERSITY
Master's Degree - Finance
THADOMAL SHAHANI CENTRE FOR MANAGEMENT
Bachelors in Management Studies - Finance
Pillai College of Arts, Commerce & Science
03.2014 - 07.2017
Languages
MALAYALAM
ENGLISH
HINDI
MARATHI
Country
India
Personal Information
Nationality: India
Timeline
KYC Analyst
First Abu Dhabi Bank
01.2024 - Current
KYC Analyst
WIPRO
12.2021 - 10.2023
Senior Associate Analyst
TECH MAHINDRA
08.2020 - 09.2021
KYC Compliance Analyst
ECLERX SERVICES LTD
07.2019 - 07.2020
Bachelors in Management Studies - Finance
Pillai College of Arts, Commerce & Science
03.2014 - 07.2017
Master's Degree - Business Administration
ANGLIA RUSKIN UNIVERSITY
Master's Degree - Finance
THADOMAL SHAHANI CENTRE FOR MANAGEMENT
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