Overview
Work History
Education
Skills
Websites
Certification
Tools Acquired
Timeline
Generic

Sulakshi Dimasha Rathnayake Mudiyanselage

Abu Dhabi

Overview

8
8
years of professional experience
1
1
Certification

Work History

Compliance Monitoring and Testing Specialist

Abu Dhabi Islamic Bank
Abu Dhabi
09.2024 - Current
  • Performing end-to-end quality assurance on CMAT reviews, ensuring 100% compliance with methodology, UAE regulatory standards, and bank policies, and reporting findings and regulatory gaps.
  • Reviewing the updated compliance policies and procedures across the banking network, including subsidiaries and international banking segments (UK, Qatar, Iraq), ensuring effective implementation across the bank.
  • Tracked identified issues according to the review that was conducted, and breaches in ADIB’s GRC system, ensuring prompt remediation, and collaborated with Assessment Units to address compliance gaps and implement corrective measures, along with recommendations to ensure regulatory adherence.
  • Prepared regulatory reports for senior management, covering compliance issues, regulatory changes, and control effectiveness.
  • Finalizing the report for senior management and business units on complex regulatory and compliance matters, ensuring alignment with UAE laws and regulations. It and specific business units on complex regulatory and compliance matters, ensuring alignment with UAE laws and regulations.

Senior AML Analyst

Al Hilal Official
Abu Dhabi
08.2023 - 08.2024
  • Conducted Level 3 AML investigations on cases flagged by the transaction monitoring system, escalated by the fraud team, business units, and external alerts (UAE Central Bank, other banks), filing STRs when necessary
  • Identified and prioritized high-risk cases, managing associated risks effectively
  • Provided subject matter expertise on AML/CTF matters, addressing internal queries and offering guidance on compliance issues
  • Contributed to team development by sharing best practices and knowledge on AML/CFT implementation
  • Led the execution of AML/CFT programs across the Group, ensuring alignment with current and future regulatory risks
  • Reported suspicious transactions and activities (SAR/STR) to the FIU using the GO AML system
  • Engaged proactively with business units on KYC/CDD/EDD matters for new and existing high-risk clients, including HNWIs and PEPs

AML/ FCC Analyst

Wio Bank PJSC- Contract Under Sundus
Abu Dhabi
01.2023 - 08.2023
  • Investigated escalated alerts from the bank's customer screening system, focusing on sanctions, adverse media, and PEP (Politically Exposed Persons) matches across levels (L1/L2/L3)
  • This included conducting thorough investigations, gathering intelligence, and escalating confirmed cases to the MLRO for regulatory reporting and action, such as relationship exit, freeze, or de-risking
  • Conducted investigations into escalated alerts from the bank's payment screening system, focusing on sanctions, SDN, and high-risk individuals linked to 50% or less ownership
  • Utilized advanced technology tools for global screening, performed detailed investigations, and escalated confirmed cases to the MLRO for regulatory action
  • Managed due diligence and risk assessments of potential and existing correspondent banks during onboarding and periodic reviews
  • Handled Requests for Information (RFIs) from correspondent banks, ensuring compliance with AML/CFT policies and regulations, and monitored ongoing relationships to address risks and resolve issues
  • Identified and analyzed patterns, trends, and anomalies in complex client onboarding structures, high-risk party screening, payment screening, and customer data
  • Work to detect, mitigate, and report risks related to new and existing clients, and filed reports (PNMR, FFR, SAR, and STR) regarding sanctions evasion, AML, fraud, money laundering, and terrorist financing to the MLRO via internal case management and the goAML system
  • Provided expertise on the bank's AML framework, sanctions policies, onboarding processes, and compliance standard operating procedures
  • Served as a sanctions advisor and SME to KYC, Operations, and Business teams on managing client KYC, CDD, client risk assessments, sanctions screening, IEMS/EOCN screening, and AML monitoring for digital platform onboarding
  • Reviewed and maintained internal and external sanctions watchlists, screening new and existing customer transactions in compliance with CBUAE regulations to pass the transactions by conducting payment screening
  • Managed a team of Offshore Consultants part of Compliance Team in managing the Business As Usual process and reporting and guidance to the day to day Alert and Case Analysis

AML - FLOD Compliance Analyst

First Abu Dhabi Bank
Abu Dhabi
06.2022 - 12.2022
  • Conducted in-depth investigations of Level 3 by identifying potential red flags identified by transaction monitoring systems, ensuring compliance with AML regulatory requirements and mitigating financial crime risks
  • Analyzed customer activity and fund flows to validate the legitimacy of transactions, aligning them with KYC records and ensuring adherence to regulatory standards
  • Managed compliance protocols for diverse customer segments, including Individuals, SMEs, and High Net Worth Individuals (HNWIs), focusing on risk mitigation and adherence to AML guidelines
  • Performed sanctions and adverse media screenings using tools such as FIRCOSOFT, NORKOM, and WORLD CHECK to identify risks related to PEPs, adverse media, and sanctioned entities
  • Collaborated with Relationship Managers (RMs) by raising RFIs to validate case documentation and escalated unresolved issues through SAR/ISTR reporting to regulatory authorities
  • Responded to regulatory inquiries including correspondence banking inquiries, managing search and freeze requests while maintaining and updating internal watchlists for compliance

Financial Crime Compliance Analyst

HONG KONG & SHANGHAI BANK CORPORATION (HSBC) - UAE Operations
Colombo
03.2021 - 05.2022
  • Developed and presented high-quality case files, incorporating comprehensive narratives and actionable recommendations on whether to escalate as a Suspicious Activity Report (SAR), adhering to procedural standards and reporting to the MLRO
  • Analyzed transaction patterns and customer KYC details, identifying potential risks involving Politically Exposed Persons (PEPs), sanction jurisdictions, and geographical risk factors
  • Mitigated financial crime risks by monitoring suspicious transactions and compiling detailed Suspicious Transaction Reports (STRs) for escalation and further investigations
  • Ensured regulatory compliance through accurate reporting submissions to the Central Bank of UAE, aligning with current economic and compliance regulations
  • Conducted thorough KYC/CDD/EDD reviews, ensuring the completeness and quality of customer documentation for business banking clients in adherence to Ongoing Due Diligence (ODD) procedures
  • Facilitated risk management by reviewing and assessing high-risk cases, ensuring strict adherence to Central Bank regulatory requirements for UAE operations and compliance protocols

Branch Operations Associate

Nations Trust Bank
Colombo
01.2017 - 02.2021
  • Liaise with Relationship Managers / Business partners / FCC / Regional Sanctions Team on AML regulations and financial risk coordinations according to the Central Bank of Sri Lanka
  • Executed daily branch reconciliations and cash management procedures, achieving a 99% accuracy rate by leveraging banking software tools and rigorous audit methods
  • Monitored and analyzed regulatory developments monthly, updating compliance protocols to align with Central Bank directives, resulting in improved audit outcomes and a 20% reduction in compliance gaps

Education

Bachelor of Business Management -

Northumbria University
United Kingdom

Graduate Diploma in Business Management - Digital Business Management

Chartered Management Institute
United Kingdom

Certificate in Business Management -

Business Management School
Colombo, Sri Lanka

Skills

  • Knowledge of AML sanctions, terrorist financing, risk rating of clients, and expertise in FCC
  • Ability to work both independently and in a team environment, and demonstrates leadership with strong management and interpersonal skills
  • Ability to train, lead, and achieve the objectives and financial targets of the organization
  • MI and Dashboard preparation for monthly/weekly meetings

Certification

Association of Certified Anti-Money Laundering Specialists - ACAMS

ICA, AML/Sanctions Certification - Preparing Stage

Tools Acquired

KYC/ECDD - Ethixs, Phoenix, CRM, FATCA, FCCM, CRS, T24

Sanctions Screening - Ficosoft, Fircosoft Continuity, Napier AML Screening, Lexisnexis, Dowjones, World Check

Transactions Monitoring - Omni, SAS AML, Napier AML

List Management - Fircosoft, FMM, Internal Watchlists, Good Guys exceptional lists

AML Reporting Tool - Go AML, CB UAE, AIFT, FFR, PNMR, SAR, STR reporting

Timeline

Compliance Monitoring and Testing Specialist

Abu Dhabi Islamic Bank
09.2024 - Current

Senior AML Analyst

Al Hilal Official
08.2023 - 08.2024

AML/ FCC Analyst

Wio Bank PJSC- Contract Under Sundus
01.2023 - 08.2023

AML - FLOD Compliance Analyst

First Abu Dhabi Bank
06.2022 - 12.2022

Financial Crime Compliance Analyst

HONG KONG & SHANGHAI BANK CORPORATION (HSBC) - UAE Operations
03.2021 - 05.2022

Branch Operations Associate

Nations Trust Bank
01.2017 - 02.2021

Bachelor of Business Management -

Northumbria University

Graduate Diploma in Business Management - Digital Business Management

Chartered Management Institute

Certificate in Business Management -

Business Management School

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Sulakshi Dimasha Rathnayake Mudiyanselage