ENBD Group CRM
NIKHAT SAMSUDDIN FAZIL
QUALITY ASSURANCE & FRAUD-RISK ANALYST
Dubai
Summary
Experienced with over 12 of working experience with multiple nationalized bank handling various roles in banking operations based in Dubai, United Arab Emirates.
Overview
10
10
years of professional experience
3
3
years of post-secondary education
1
1
Certification
4
4
Languages
Work History
Quality Assurance & Fraud-Risk Analyst
Emirates NBD
Dubai
07.2019 - Current
- Responsible for ensuring bank complied with internal/external laws and regulations applicable in the various jurisdictions bank operates complying with group & UAE Central Bank guidelines
- Recommend further course of actions plan to mitigate risk.
- Investigated and reported on potential compliance/ operational loss & ensure timely resolution and adherence with applicable laws and regulations in line with banking policies.
- Collaborated with departments to ensure compliance with CBUAE.
- Ensure to comply with the audit requirements, internal and external reporting obligations in line with the policy guidelines, to ensure high standards of uniformity and consistency across the bank by preparing reports like Operational Risk Control Assessments (ORCA) & Key Risk Indicators ( KRI).
- Conduct regular self-assessment of the controls set to ensure zero errors by providing tailor made trainings to top error committers.
- Seek constant improvements in the controls implemented to ensure good operational effectiveness and proper risk mitigation.
- Monitoring the resources to ensure satisfactory completion of the work.
- Refresher trainings provided to the staffs on regular intervals for them to be updated with latest policies.
- Providing necessary progress updates and address audit observations to ensure timelines are met and the appropriate updates provided to Internal Board Audit Committee.
- Providing ongoing status reports and regular updates on project status, alerts investigations, periodic review and Account Related services to senior management.
- Established a system of continuous monitoring and reporting to identify potential compliance issues.
- Testing of new application ensure satisfactory completion as per expected standards for smooth functioning of daily BAU.
- Developing reports through MIS logics to avoid manual sampling of data.
Sales Advisor & Process Associate
Emirates Islamic Bank PJSC
Dubai
05.2016 - 06.2019
- Developed and implemented a sales process that improved sales efficiency and effectiveness
- Contacting customers for DAC plans and convincing them for new offers on their credit cards and ensuring customers by giving them their best plans accordance with their requirements
- Tasks including activating credit cards and offering Cash on Call and Balance Transfer facilities
- Ensuring the balance transfers and cash on call is disbursed to the customer within the TAT of 2 -3 working with liaising with internal departments
- Ensuring 80 calls or more are made every day to achieve the daily target sales of AED 80,000 for COC/BT /Balance conversion by maintaining the service quality on call with highest rating KPI.
Personal Finance Advisor
Emirates Islamic Bank PJSC
Dubai
05.2014 - 04.2016
- Contacting new customers to introduce and promote personal Finance facilities and top-up of finance to the existing customers
- Achieved dramatic sales increase by skillfully managing relationships and proactive sales approaches for loans and credit cards
- Consistently serviced accounts to maintain active contacts and continuously promote profitable offerings
- Enhanced sales operations through development of new sales strategies, cold calling techniques and customer follow-up
- Successfully led key projects which resulted in reducing the time lag between customer query to the time its been solved
- Collaborated with accounting and finance teams to create monthly and quarterly financial reports
- Handled request for personal finance from processing to until disbursements on personal finances
- Handled online promotions and coordinated with customers about latest offers.
Virtual Relationship Manager
Emirates Islamic Bank
Dubai
10.2013 - 04.2014
- Remained updated on all available financial products and financing packages based on promotions and the normal offers
- Serviced customers by offering financial products like personal, Auto and Home finance, opening accounts ,fixed deposits along with addressing different issues related to the Banking service
- Managed in-person, over the phone and email inquiries
- Made recommendation for customers to get approval considering various banking products
- Handled bank accounts of key profile customers on priority.
Education
Bachelors of Banking & Insurance -
Mumbai University
04.2004 - 03.2007
Skills
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Place Of Birth
India
Personal Information
- Date of Birth: 06/16/86
- Nationality: Indian
Accomplishments
- Received Performance Recognition Award for commendable high end deliveries.
- Received milestone award for completion of a decade with Emirates NBD Group.
Software
Finacle - ENBD & EI
Payment Hub - ENBD & EI
MS Office
Certification
Certified Associate Program - Emirates NBD
Additional Information
Certification received for workshop entitled for Women in the Workplace from Emirates NBD Group - Nov 2019.
Timeline
Quality Assurance & Fraud-Risk Analyst
Emirates NBD
07.2019 - Current
Certified Associate Program - Emirates NBD
11-2017
Sales Advisor & Process Associate
Emirates Islamic Bank PJSC
05.2016 - 06.2019
Personal Finance Advisor
Emirates Islamic Bank PJSC
05.2014 - 04.2016
Virtual Relationship Manager
Emirates Islamic Bank
10.2013 - 04.2014
Bachelors of Banking & Insurance -
Mumbai University
04.2004 - 03.2007
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