Sarfraz Gill

• Developing, initiating, maintaining, and revising policies and procedures for effective implementation of Compliance Program and its related activities to prevent illegal, unethical, or improper conduct and combat ML/TF/PF and related financial crimes.
• Managing day-to-day operations of Financial Crime Compliance Program
• Developing and updating Standards of Conduct to ensure continuity and relevance
• Identifying potential areas of compliance vulnerability and risk; developing/implementing corrective action plans for resolution of problematic issues, and providing general guidance on how to avoid or deal with similar situations in future
• Providing reports on regular basis to the Compliance Committee and the Board of Directors on the effectiveness of the compliance program and progress of compliance efforts/initiatives
• Ensuring proper reporting of violations or potential violations to enforcement agencies as appropriate and/or as required to the UAE Financial Intelligence Unit (FIU)
• Reporting of Suspicious and unusual transactions to UAE Financial Intelligence Unit (FIU)
• Instituting and maintaining an effective compliance communication program for the organization, including promoting (a) use of the Compliance Hotline; (b) heightened awareness of Standards of Conduct, and (c) understanding of new and existing compliance issues and related policies and procedures
• Developing an effective compliance training program, including appropriate introductory/freshers training for new employees as well as ongoing training for all employees and managers/Board members
• Monitoring the performance of the Compliance Program and related activities on a continuous basis
• Planning, designing and implementing an overall risk management process for the organization
• Overseeing risk assessment; analyzing risks as well as identifying, describing and estimating the risks affecting the business
• Conducting assessment of policy and compliance to standards, including liaison with internal and external auditors
• Reviewing Internal Audit Reports and taking corrective action to address the deficiencies highlighted therein

• Adhered to Bank KYC Policy & AML /OFAC policies & procedure
• Ensured acquiescence with compliance standards and regulatory requirements
• Identified compliance risks from business line and manage them by providing training, advice, testing and monitoring
• Carried out compliance planning for business line
• Ensured that systems and Anti Money Laundering (AML) processes met the requirements of regulatory standards
• Carried out ad- hoc projects and prepared period reports to management Converted leads with consultative sales approach.
• Scrutinized clients' business records, finding opportunities to improve performance.
• Conducted in-depth client visits and periodic business reviews.
• Identified at-risk clients, taking necessary action to maximize retention. Advised customers on product upgrades and rollouts.

• Site visits to the customer premises
• Provided guidance and directions for special back-end reviews.
• Helped in development and management of the bank enterprise-wide compliance management.
• Organized document requests and compliance information for compliance examinations.
• Regularly updated compliance programs or roadmaps offering details about Bank activities and regulatory requirements for ensuring compliance with the regulations.