Mohammed Naval Ur Rahman
Dubai,UAE
Summary
Accomplished professional with extensive expertise in regulatory compliance, finance management, and risk assessment. Demonstrates a strong command of anti-money laundering protocols, enhanced due diligence, and customer due diligence processes. Proficient in client onboarding procedures, credit risk assessment, and loan review processes, with a proven ability to optimise workflows and ensure quality assurance. Adept at relationship management and team leadership, leveraging exceptional communication skills to drive collaboration and achieve organisational goals. Committed to maintaining the highest standards of financial market understanding while excelling in time efficiency and multi-tasking capabilities.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work History
Operations and KYC Onboarding Analyst
Beehive Fintech
Dubai, UAE
03.2024 - Current
- Review and analyse customer financial information, credit history, and other relevant data to assess creditworthiness and risk level.
- Assess and mitigate risks associated with lending activities, including credit risk assessment, fraud prevention, and monitoring of loan portfolios.
- Conduct thorough KYC checks on new and existing customers to verify their identity, assess risk levels, and ensure compliance with regulatory requirements.
- Review, analyze and validate customer documentation, including identification, financial statements, corporate structures and beneficial ownership information - ensuring compliance with internal procedures.
- Conducting ongoing monitoring of clients, including periodic reviews and enhanced due diligence when required
- Identify potential AML concerns and escalate to appropriate senior management during on-boarding and ongoing review process
- Ensure positive customer experience by addressing inquiries, resolving issues promptly, and maintaining high service standards throughout lending lifecycle.
- Coordinate with cross-functional teams such as credit, Business Development, legal, compliance, and IT departments to streamline processes and implement improvements.
- Conduct initial screening and assessment of customer information to validate authenticity and eligibility for participation in lending platform.
- Manage end-to-end onboarding process for new borrowers and lenders, ensuring smooth and efficient account setup.
- Preparing Companies for Listing in Market Place
- Preparing Legal Documentation and Financing Companies
- Stay updated with regulatory changes related to lending practices and ensure operational processes comply with legal requirements and industry standards
- \Implement quality control measures to ensure accuracy and completeness of loan applications, documentation, and financial transactions
Accounts and Finance/Operations Executive
Grihalakshmi Metals
Kannur, India
12.2022 - 12.2023
- Maintain detailed records of vouchers, invoices, and payments to ensure accuracy and organization.
- Handle day-to-day accounting duties and manage petty cash disbursements efficiently.
- Generate invoices and diligently follow up on pending payments to maintain healthy cash flow.
- Monitor all financial transactions, identifying irregularities in invoices, and oversee bank deposits and payments.
- Manage all banking-related tasks, ensuring smooth financial operations for organization.
- Keep vigilant eye on organization's cash flow by monitoring income, expenditures, and investments.
- Identify areas for cost reduction to optimize profitability and enhance financial performance.
- Prepare comprehensive profit and loss statements for clear financial overview.
- Develop and implement financial policies to streamline organizational practices.
- Take charge of finalizing accounts, actively participate in audits, and oversee all accounting activities.
- Ensure strict compliance with accounting and tax laws to uphold legal standards.
- Monitor economic and financial changes, adapting strategies accordingly to maintain financial stability
Executive -Compliance and Authentication
Al Ansari Exchange
Dubai
05.2015 - 11.2022
- Ensured compliance with AML policies and regulations by analyzing individual and corporate transactions.
- Managed team of 8 members in conducting Enhanced Due Diligence (EDD) verifications, corporate onboarding, and risk assessments. Oversaw documentation and approvals.
- Established filtering and monitoring systems to detect suspicious transactions, enhancing organizational security and regulatory compliance.
- Evaluated and initiated investigative procedures in response to alleged violations of rules, regulations, and procedures, ensuring swift resolution and adherence to compliance standards.
- Oversaw due diligence procedures, identifying and reporting Anti-Money Laundering risks to stakeholders. Implemented remedial measures as necessary.
- Regularly reviewed customer files to maintain accurate records and ensure compliance with AML and KYC requirements, promoting transparency and accountability.
- Tailored KYC process to align with organizational capabilities and regulatory standards, streamlining operations and enhancing efficiency.
- Conducted periodic reviews and produced comprehensive reports on merchant activities, facilitating adherence to industry regulations and KYC requirements.
- Assist with client onboarding procedures, including account setup, documentation review, and regulatory compliance checks. Provide ongoing support to clients regarding trading procedures, account inquiries, and regulatory requirements.
- Maintain comprehensive records of trade transactions, settlements, account balances, and other operational activities.
- \Identify opportunities for process improvement, trading systems, order management systems (OMS) within back-office operations
Assistant Logistics in Charge /SAP End User
KRS Roadways Pvt Ltd, C&F of Tata Motors Ltd
Calicut, India
11.2013 - 11.2014
- Provided support in inventory management, ensuring timely receipt, dispatch, and invoicing of customer-owned inventory
- Compiled and prepared various reports including daily dispatch reports, credit reports, sale letters, accident reports, commercial tax, and temporary vehicle permits.
- Managed billing and invoicing processes, including discounts and sales of older year vehicles to various companies, ensuring accuracy and compliance.
- Utilized systems to create stock orders, monitor physical stock, and address concerns such as diesel adulteration in vehicles from warehouse.
- Coordinated transfer of vehicles to Regional Sales Offices (RSO) by managing drivers, vehicles, and routes, ensuring timely delivery.
- Played pivotal role in annual audits by conducting quarterly mock audits of over 500 vehicles in warehouse, providing comprehensive reports.
- Processed documentation for incoming stock items, ensuring accurate records for purchase, repairs, disposal, and return.
- Identified and sourced suppliers for all market-related needs and activities associated with KRS Roadways, fostering strategic partnerships.
- Maintained reporting spreadsheets using Microsoft Excel for daily, weekly, and monthly updates, ensuring data accuracy and accessibility.
Education
Master of Business Administration - Finance and Marketing
Kannur University
India 08.2011 - 09.2013
Bachelor of Arts - Economics
Calicut University
India 07.2008 - 07.2011
Skills
- Regulatory compliance
- Finance management
- Risk assessment proficiency
- Customer due diligence facility
- AML expertise
- Multi-Tasking capability
- Client onboarding procedures
- Time efficiency
- Quality Assurance
- Enhanced due diligence
- Document verification
- Workflow optimization
Languages
English
Fluent
Arabic
Upper intermediate
Malayalam
Native
Hindi
Advanced
Certification
- Certified KYC Specialist from Go AKS
- Anti-Money Laundering Concepts: AML, KYC and Compliance
- Advance Anti Money Laundering AML
- Diploma in Indian and Foreign Accounting
- Certificate of Event Management
- Advance Customer Service Management
Timeline
Operations and KYC Onboarding Analyst
Beehive Fintech
03.2024 - Current
Accounts and Finance/Operations Executive
Grihalakshmi Metals
12.2022 - 12.2023
Executive -Compliance and Authentication
Al Ansari Exchange
05.2015 - 11.2022
Assistant Logistics in Charge /SAP End User
KRS Roadways Pvt Ltd, C&F of Tata Motors Ltd
11.2013 - 11.2014
Master of Business Administration - Finance and Marketing
Kannur University
08.2011 - 09.2013
Bachelor of Arts - Economics
Calicut University
07.2008 - 07.2011
- Certified KYC Specialist from Go AKS
- Anti-Money Laundering Concepts: AML, KYC and Compliance
- Advance Anti Money Laundering AML
- Diploma in Indian and Foreign Accounting
- Certificate of Event Management
- Advance Customer Service Management
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