With over 15 years of dedicated service in the financial industry, I bring a wealth of experience and expertise in compliance, risk management, and banking operations. As a seasoned professional, I have successfully navigated the intricate landscape of the sector, culminating in my current role as Chief Compliance Officer at a leading money exchange house in the UAE. My commitment to excellence is underscored by consistent recognition for my contributions, and my certifications reflects a steadfast dedication to advancing anti-money laundering and combating the financing of terrorism initiatives. Throughout my career, I have spearheaded significant enhancements in AML/CFT programs for both bank and Exchange House, demonstrating a proven track record of success in ensuring regulatory compliance and operational excellence
Hi, I’m
Muneer P K, CCO, CAMS
Dubai,
Summary
Overview
15
years of professional experience
Work History
Hadi Express Exchange
Chief Compliance Officer
10.2023 - Current
Job overview
- Conduct comprehensive review of AML/CFT policy and procedures, making necessary enhancements to ensure effectiveness and alignment with regulatory requirements
- Lead initiatives for technology upgrades and oversee implementation of robust system controls in alignment with established policies.
- Developed and maintained compliance database, tracking all compliance activities and documents.
- Responded to employee inquiries regarding compliance regulations and procedures.
- Maintained up-to-date knowledge of current and emerging compliance regulations.
- Associate with internal and external audits to confirm compliance with applicable laws and regulations.
- Develop annual training plan and ensure execution of employee training programs in accordance with established annual plan
South Indian Bank
Senior Manager- Compliance
04.2022 - 09.2023
Job overview
- SPOC for Fintech company tie ups, Digital lending, Co-Lending and non face to face onboarding.
- Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices. Improved scope of compliance testing from 15% to 25% branches per year.
- Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
- Responded to employee inquiries regarding compliance regulations and procedures including clarification on gray areas, customer on-boarding, customer due diligence and enhanced customer due diligence etc.
- Assisted with development of compliance objectives and strategies.
- Interacted with law enforcement agencies, regulators and financial institutions to coordinate investigations, regulatory communications, data submission etc.
- Processing of AML alerts and filing STR.
- Vetting of credit proposals, circulars, policies etc.
South Indian Bank
Large Branch Head-Kunnamkulam Thrissur Road
12.2018 - 03.2022
Job overview
- Headed large branch of the bank with more than four billion business.
- Increased more than 50% business within a short period of three year against yearly average growth of about 5%.
- Successful management of entire functions of unit including compliance.
- Won BRONZE CREST award for completing rectification of audit observation well before timeline.
Hadi Express Exchange
Chief Compliance Officer
09.2014 - 11.2018
Job overview
- Headed compliance department as CCO for the company under deputation as special assignment. Initially the role was alternate compliance officer and got CBUAE approval as alternate compliance officer and later posted as CCO and submitted request for approval as Compliance Officer.
- Designed new AML policy for the company as per Central Bank of UAE standards and Implemented effective risk control program.
- Implemented AML monitoring system effectively.
- Established good compliance culture and improved the company's risk rating from high to medium.
- Conducted training programs and other compliance related activities.
- Managed practical action plans to respond to audit discoveries and compliance violations.
South Indian Bank
Credit Officer
12.2011 - 08.2014
Job overview
- Processing and disbursement of various credit proposals
- Managing day to day operations of branches
- Single point contact for all type of customer queries
South Indian Bank
Counter Clerk
08.2008 - 11.2011
Job overview
- Processing of various financial and non financial transactions.
- Opening of all kinds of bank accounts.
- Teller with large volume of transactions.
- Clearing and bank account reconciliation.
- Processed cash, check and credit card payments
Education
Indian Institute of Banking And FinanceMumbai, India
Banking Certification from AML/CFT Certification
03.2021
University Overview
ACAMSUSA
CAMS (Certified Anti- Money Laundering Specialist) from AML & CFT
12.2017
University Overview
Annamalai UniversityAnnamalai
Master of Arts from Economics
05.2014
University Overview
Indian Institute of Banking And FinanceMumbai, India
Banking Certification from JAIIB
01.2013
University Overview
Malabar Christian CollegeKozhikode
Bachelor of Arts from Economics
03.2008
University Overview
Skills
- Developed and executed comprehensive Anti-Money Laundering and Countering Financing of Terrorism program, which includes policies and procedures
- Adherence to Anti-Money Laundering and Countering Financing of Terrorism regulations and ensure regulatory compliance
- Develop and implement risk assessment framework based on business portfolio and ensuring its effectiveness
- Regularly engage with senior management, delivering presentations on critical compliance matters and strategies
- Review and monitor financial transactions, perform thorough investigations, and take appropriate follow-up actions, including filing of STR/SAR when necessary
- Create and manage effective action plans in response to observations from regulator, auditor etc
- Demonstrates collaborative teamwork, boundaryless behavior, passion for excellence, dependability, and strong sense of responsibility in professional endeavors
Languages
English
Proficient
C2
Hindi
Intermediate (B1)
A2
Malayalam
Bilingual or Proficient (C2)
PERSONAL INFORMATION
PERSONAL INFORMATION
Age and Date Of Birth: 35 and 21-05-1988
Marital Status : Married
Nationality: India
Timeline
Chief Compliance Officer
Hadi Express Exchange
10.2023 - Current
Senior Manager- Compliance
South Indian Bank
04.2022 - 09.2023
Large Branch Head-Kunnamkulam Thrissur Road
South Indian Bank
12.2018 - 03.2022
Chief Compliance Officer
Hadi Express Exchange
09.2014 - 11.2018
Credit Officer
South Indian Bank
12.2011 - 08.2014
Counter Clerk
South Indian Bank
08.2008 - 11.2011
Indian Institute of Banking And Finance
Banking Certification from AML/CFT Certification
ACAMS
CAMS (Certified Anti- Money Laundering Specialist) from AML & CFT
Annamalai University
Master of Arts from Economics
Indian Institute of Banking And Finance
Banking Certification from JAIIB
Malabar Christian College
Bachelor of Arts from Economics
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