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Shyam Thasthaheer Syed Mohammed
Credit Risk & Compliance Analyst
Dubai,DU
Summary
Globally certified credit risk & compliance analyst with robust
background in Anti-Money Laundering compliance. Conducted thorough investigations and collaborated with cross-functional teams to detect and mitigate financial crimes. Demonstrated expertise in regulatory requirements and risk management, showcasing strong analytical and problem-solving skills.
Overview
11
11
years of professional experience
7
7
Certificates
3
3
Languages
Work History
Sr Credit Risk & Compliance & Insurance Analyst
RCH Service India Pvt. Ltd (ROC 360)
01.2021 - 09.2025
- Analyze credit account statements and reconcile outstanding balances
- Contact real estate brokers to follow up with customers on outstanding invoices and overdue payments
- Negotiate repayment terms and ensure timely collection of dues.
- Escalate high-risk accounts and recommend legal action when necessary
- Identify and escalate unusual activity or cases that fail to meet business guidelines to appropriate management or business partners. Advise management on next steps
- Strengthened AML controls by analyzing transactional data for patterns indicative of money laundering or terrorist financing.
- Coordinate and secure project specific insurances(Elmsure & Third party property and liability insurances, condominium in and out, HOA & Investment policies)
- Review contract's to identify and address insurance requirements
Collaborated with insurers, brokers and internal stakeholders for policy issuance and endorsements. - Maintain insurance schedules, track renewals and ensure continues coverage.
- Oversee mortgage insurance processes, including quotes, claims, and endorsements.
- Reduced claim losses by applying expert knowledge in identifying potential risks and setting appropriate premiums.
Senior Associate
WIPRO
01.2019 - 01.2021
- Performed the final steps of U.S. mortgage loans with speed and accuracy.
- Trained and supported new team members, maintaining culture of collaboration.
- Collaborated with cross-functional teams to drive successful completion of complex projects within deadlines.
- Worked with lenders, borrowers, title companies, and attorneys to follow all rules and policies.
- Checked and verified closing documents, disclosures, and settlement statements.
- Handled any problems or differences that came up during the closing process, and communicated well with all parties involved.
- Kept a high level of customer satisfaction and professionalism throughout the closing process.
Senior Mortgage Underwriter
Sutherland Mortgage Services Inc.
01.2015 - 01.2018
- Working with the onshore team to collect the necessary loan documents and order services such as appraisal, title, insurance, employment, tax, AUS, and fraud reports.
- Completing the underwriting conditions before sending the loan application to the underwriter.
- Handling any conditions from the underwriting departments, and calculating the debt-to-income ratios from the financial statements.
- Evaluating the credit, capacity, cash, and collateral of the loan applicants, and making approval or denial recommendations.
- Checking the conventional loans for compliance with Fannie Mae/Freddie Mac guidelines, and verifying the accuracy of the loan and closing information.
Education
Bachelor of Arts - Computer Science
VLB Janakiammal College of Arts & Science
Coimbatore, Tamilnadu, India 04.2001 -
Skills
Compliance management
Certification
Globally Certified KYC Specialist (GO - AKS) 2025
Accomplishments
- Implemented a new audit checklist that reduced error rates by 30%.
- Mentored and trained 12 new associates for improving the team productivity
- Appreciated by onshore client as a Top Performer for timely and accurate loan reviews.
Websites
Software
Microsoft Power BI
Languages
English
Intermediate (B1)
Tamil
Advanced (C1)
Malayalam
Intermediate (B1)
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Everything in life is just for a while.
Philip K. Dick
Timeline
Sr Credit Risk & Compliance & Insurance Analyst
RCH Service India Pvt. Ltd (ROC 360)
01.2021 - 09.2025
Senior Associate
WIPRO
01.2019 - 01.2021
Senior Mortgage Underwriter
Sutherland Mortgage Services Inc.
01.2015 - 01.2018
Bachelor of Arts - Computer Science
VLB Janakiammal College of Arts & Science
04.2001 -