SRUTHY UNNIKRISHNAN
Abu Dhabi
Summary
Results-driven Risk and Fraud Prevention Specialist with a proven track record in transaction management, compliance, and risk mitigation. Skilled in customer service, AML compliance, and fraud detection. Successfully managed branch operations and remittance targets. Seeking new opportunities to leverage expertise in enhancing operational efficiency and risk management within a dynamic financial institution.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Risk and Fraud Prevention Officer
Economic Exchange Centre
Dubai
09.2024 - Current
- Developed and implemented prevention policy and procedures for the betterment of the company.
- Conducted risk assessments to identify potential hazards and recommend mitigation strategies.
- Collaborated with local agencies to promote awareness of safety protocols and preventive measures.
- Trained staff on emergency response procedures and best practices in risk management.
- Training is provided to all new joined employees and annual training is conducted to educate and improve the current trend of fraud in the market, how to identify and prevent.
- Creating and maintaining Risk assessments and register to mitigate any risk may occur during the day to day business.
- Counterfeit currency _identification and reporting as per CBUAE Standard.
- Conducting Vendor assessments as per CBUAE Standard and Outsourcing policy.
- Conducting Branch audit as per Risk and Fraud policy.
- Conducting Risk Committee meeting quarterly.
- Conducting and implementing BCP
Banking Operations & Risk and Fraud Prevention
Al Ahalia Money Exchange
Abu Dhabi, UAE
05.2022 - 09.2024
- Monitored transactions for potential fraud and suspicious activities, implementing measures to prevent and mitigate fraud risks.
- Conducted risk assessments to identify potential threats to banking operations, developing strategies to mitigate identified risks.
- Coordinate with branches and departments to gather data, submit fraud cases and counterfeit currency cases to the Central Bank through STR.
- Report counterfeit cases to the UAEFTS system and maintain counterfeit reporting register.
- Ensured compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations, supporting the AML team in annual reviews.
- Investigated incidents of fraud or non-compliance, documenting findings and implementing corrective actions.
- Monitored branch performance and daily operations, ensuring targets were met and operations ran smoothly.
- Managed the onboarding process for new clients, ensuring a seamless experience and compliance with regulatory requirements.
- Documented monthly remittance reports and coordinated with banks to successfully release a four-year pending bank guarantee of $10,000.
- Identified and prevented operational, financial, and market risks as part of the Risk & Fraud Prevention team.
- Conducted enterprise-wide risk assessments to understand and evaluate current risk ratings.
Banking Operations
Al Ahalia Money Exchange
Abu Dhabi, UAE
06.2021 - 05.2022
- Oversaw the accurate and timely processing of financial transactions, including remittances, currency exchanges, and account transfers.
- Implemented and maintained efficient operational processes to ensure smooth day-to-day banking activities.
- Oversaw the management of cash operations, including deposits, withdrawals, and cash handling procedures.
- Monitored branch performance and daily operations, ensuring targets were met and operations ran smoothly.
- Coordinated with Money Transfer Operators (MTOs) and banks to achieve remittance targets, focusing on increasing company profit through enhanced customer service.
Customer Service Representative
Al Ahalia Money Exchange
Abu Dhabi, UAE
11.2020 - 06.2021
- Provided exceptional customer service by handling inquiries, resolving issues, and offering assistance with transactions.
- Processed remittance transactions, currency exchanges, and other financial services accurately and efficiently.
- Demonstrated effective problem-solving skills to address customer issues promptly and efficiently.
- Provided support through various channels, including phone, email, and in-person interactions.
Talent Acquisition Specialist
Allstream Global
Abu Dhabi, UAE
10.2019 - 09.2020
- Identified and sourced high-caliber candidates through various channels including job boards, social media, networking events, and referrals.
- Managed the entire recruitment process from job requisition to onboarding, ensuring a seamless candidate experience.
- Collaborated with hiring managers to define job requirements, create detailed job descriptions, and develop effective recruitment strategies.
- Built and maintained a robust talent pipeline for future hiring needs, focusing on key positions in the organization.
Recruiter
SkillsHR
Chennai, Tamil Nadu
12.2018 - 05.2019
- Created and optimized job descriptions for roles in banking, System management, and manufacturing, ensuring maximum visibility and applicant quality.
- Conducted initial screenings and assessments of candidate qualifications, experience, and cultural fit for the client.
- Coordinated and scheduled interviews between candidates and hiring managers, ensuring a smooth recruitment process and timely feedback.
Education
Post-Graduate Diploma - Management – HR
ITM Business School
Chennai01.2018
Bachelor of Commerce - Cooperation
University of Calicut
Kerala01.2015
Skills
- Operational Efficiency
- Risk Assessment
- Fraud Detection & Prevention
- AML Compliance
- KYC Regulations
- System Management
- Customer Account Management
- Branch Monitoring
- Target Management
- Balance Confirmation
- Enhanced Due Diligence
- Customer Due Diligence
- Risk Register Management
- Compliance Incident Reporting
- Customer Service
- Data Management
- Team Collaboration
Certification
- Certified Enterprise Risk Manager - ISO 31000:2018 -QHSC
- Key Risk Indicators - CROWE
- Certified in Risk Management -OCRM
- Compliance Audit Intelligence -Open Thinking Academy
Languages
English
Advanced (C1)
Hindi
Bilingual or Proficient (C2)
Malayalam
Bilingual or Proficient (C2)
Tamil
Upper intermediate (B2)
Timeline
Risk and Fraud Prevention Officer
Economic Exchange Centre
09.2024 - Current
Banking Operations & Risk and Fraud Prevention
Al Ahalia Money Exchange
05.2022 - 09.2024
Banking Operations
Al Ahalia Money Exchange
06.2021 - 05.2022
Customer Service Representative
Al Ahalia Money Exchange
11.2020 - 06.2021
Talent Acquisition Specialist
Allstream Global
10.2019 - 09.2020
Recruiter
SkillsHR
12.2018 - 05.2019
Post-Graduate Diploma - Management – HR
ITM Business School
Bachelor of Commerce - Cooperation
University of Calicut