Mohammad Saud
Dubai
Summary
Dedicated and results-driven professional with a strong commitment to excellence and making a meaningful impact. I bring a proactive approach to embracing challenges and creating positive change within teams and organizations. Known for adaptability, initiative, and a focus on continuous improvement, I am committed to adding value and contributing to organizational success.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Anti-Money Laundering Analyst
Dubai Islamic Bank
08.2021 - Current
- Cross-Department Collaboration: Coordinated with various units to address compliance inquiries promptly and accurately.
- Comprehensive Investigations: Conducted all stages of investigations, from alert analysis to escalation (RFI) and filing STRs/SARs.
- Filed 600+ STRs: Identified red flags and money laundering patterns, ensuring high accuracy and adherence to regulatory standards.
- Mentorship in Compliance Best Practices: Trained new staff on AML regulations, onboarding, remittance reviews, transaction monitoring, and reporting.
- System Proficiency: Skilled in SAS, NeST, CRM, and CBS for transaction monitoring and compliance analysis.
- Risk Identification and Mitigation: Assessed AML/CTF risks, aligning with Group standards for effective risk management.
- Precise SAR/STR Drafting: Prepared SARs/STRs with careful attention to customer profiles and regulatory expectations.
- Timely STR/SAR Filing: Ensured STR submissions met internal timelines and regulatory standards.
- Post-SAR Actions: Recommended next steps post-approval, including watchlist additions or account exits.
- Regulatory Document Review: Handled CBUAE-related documents, including RFIs, TFS responses, and fund freeze reports.
- Legal and Policy Review: Drafted and reviewed leases, contracts, and compliance policies for regulatory alignment.
Senior Tax Consultant
Right Tax
10.2018 - 01.2020
- Assisted walk-in clients with tax filing, performing thorough needs assessments to understand individual financial situations and identify the most advantageous filing options.
- Simplified complex tax concepts and provided tailored recommendations, helping clients maximize their returns while building rapport and trust.
- Addressed client concerns about filing options, costs, and potential deductions, skillfully managing objections and clarifying tax regulations to ensure client satisfaction.
- Fostered positive client relationships, leading to repeat business and referrals by offering exceptional customer service and tailored, reliable tax solutions.
KYC & Customer Onboarding Intern
Commonwealth Bank
08.2017 - 10.2018
- Facilitated the onboarding of new customers, ensuring all required documentation and information were obtained
- Worked with relationship managers to gather necessary client information and complete the onboarding process efficiently
- Conducted thorough KYC reviews to verify the identity of new and existing customers
- Assessed customer risk profiles based on financial transactions, background checks, and source of funds
- Ensured compliance with Australian regulatory requirements, including AML/CTF laws and KYC regulations
- Stayed up-to-date with changes in financial regulations and implemented necessary updates to onboarding processes
- Collected, reviewed, and validated customer documents such as passports, driver's licenses, and utility bills
- Conducted screening of customers and transactions against global sanctions lists
- Investigated and reported any potential matches or suspicious activities to the compliance team
- Collaborated with other departments such as compliance, risk management, and legal to address KYC-related issues and concerns.
Accountant
National Exchange Company
08.2016 - 01.2017
- Prepared monthly, quarterly and annual financial statements in accordance with Generally Accepted Accounting Principles (GAAP)
- Managed the company's budget and provided timely financial reports to management, enabling them to make informed decisions
- Reconciled bank accounts and resolved discrepancies with internal and external stakeholders, resulting in a drastic reduction in errors.
Education
Accounting and Business Law -
Curtin University
Perth, Western Australia01.2020
Accounting and Finance - Accounting And Finance
American University of Sharjah
Sharjah02-2017
Primary - High School -
International School of Choueifat
Sharjah01.2015
Skills
- Technical Proficiency: Skilled in compliance and monitoring systems (SAS, NeST, CRM, CBS) and general computer applications
- Quick Learner: Ability to rapidly acquire new skills and adapt to evolving roles and technologies
- Multitasking and Time Management: Capable of managing multiple priorities effectively while maintaining quality and meeting deadlines
- Leadership and Team Collaboration: Experienced in leading projects and mentoring colleagues while fostering a collaborative team environment
- Strong Communication Skills: Excellent written and verbal communication abilities, adept at conveying complex information clearly
- Adaptability and Flexibility: Highly adaptable to changing demands and work environments
- Creative Problem-Solving and Initiative: Proactive in identifying solutions and improving processes, with a strong focus on continuous improvement
- Ability to Thrive Under Pressure: Effective in high-stress situations, maintaining composure and delivering results
Certification
CAMS - Association of Certified Anti-Money Laundering Specialists.
Certified Blockchain Expert - Blockchain Council
Languages
English
Urdu
Arabic
French
Personal Information
Date of Birth: 07/15/97
Timeline
Anti-Money Laundering Analyst
Dubai Islamic Bank
08.2021 - Current
Senior Tax Consultant
Right Tax
10.2018 - 01.2020
KYC & Customer Onboarding Intern
Commonwealth Bank
08.2017 - 10.2018
Accountant
National Exchange Company
08.2016 - 01.2017
CAMS - Association of Certified Anti-Money Laundering Specialists.
Certified Blockchain Expert - Blockchain Council
Accounting and Business Law -
Curtin University
Accounting and Finance - Accounting And Finance
American University of Sharjah
Primary - High School -
International School of Choueifat
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