flokiauther

In the company, I comprehensively mastered all verification functions—from KYC and transaction analysis to KYB procedures and multi-channel customer support—culminating in my appointment to the position of Shift Leader. The expertise I gained paved the way for my transition to the Compliance Department, where I specialized in risk monitoring and the analysis of cross-border payments (SEPA/SWIFT). Concurrently, I oversaw staff training: instructing six colleagues in KYB procedures and mentoring two new employees. XXXXX.com (formerly XXXXXXX) — Feature-loaded payment platform for personal and business users, over 7.5 million clients. XXXXX.com — All-in-One digital wallet, over 2 million clients. *The names of the organizations are available upon request due to confidentiality agreements with the current employeer. Achievements: - Led verification teams of over 10 individuals, including direct collaboration with cross-department specialists; - Assisted in the development of a risk assessment framework and customer verification processes (KYC/KYB/KYT); - Recognized as “Top Performer” 5x (2023-2024) for exceeding KPIs by 15-20% and maintaining 98% accuracy rate, and ranked in the top 5 for quality and scope of work on three occasions. Key Compliance Metrics: - Manually processed 120,000+ personal (KYC) and 2,500+ business accounts (KYB), detecting 1,000+ fraudulent document submissions with <1% error rate; - Analyzed 25,000+ card transactions, identifying 2,000+ suspicious cases (including 500+ counterfeit card attempts and 500+ third-party card usage incidents); - Monitored 1,000+ cross-border wire transactions (SWIFT/SEPA) to ensure AML/sanctions compliance and identify fraud patterns; - Handled 50,000+ support tickets and 30,000+ live chats with 90%+ customer satisfaction rate; - Performed 500+ audio calls and 100+ video calls; - Implemented multiple verification process improvements, approved by internal audit, reducing processing time while maintaining quality standards. Responsibilities: - Conducted Know Your Customer (KYC) and Know Your Business (KYB) processes, including the identification of Ultimate Beneficial Owners (UBO) and verification of Source of Funds (SoF) and Source of Wealth (SoW) for fiat currency and cash equivalents in cryptocurrencies exceeding specified thresholds; - Analyzed and validated bank card transactions and wire transfers (SEPA/SWIFT) to ensure compliance with regulatory standards; - Ensured adherence to the UK MLR, 6th EU Anti-Money Laundering Directive (AMLD6), the Financial Action Task Force (FATF) recommendations, Bank Secrecy Act (BSA) requirements, and other relevant legal and regulatory frameworks; - Executed risk-based customer due diligence (CDD) and enhanced due diligence (EDD) by screening Politically Exposed Persons (PEPs), high-risk individuals, and entities against sanctions lists (OFAC SDN list, BIS Entity list, EU, UK (HMT), UN, Canadian Sanctions List, etc.), adverse media, and criminal records; - Identified money laundering risks, including legal, regulatory, and reputational risks, based on customer, product, and service profiles to mitigate financial crime; - Monitored user transactions and activity patterns to detect and prevent fraudulent behavior and money laundering risks; - Investigated alerts and suspicious activity related to potential fraud and financial crime; - Worked with internal risk management tools and third-party providers (e.g., SumSub, World-Check Refinitiv, etc.) to assess customer risk; - Collaborated with risk/product teams to refine rules for fraud detection and prevention; - Provided customer support via chat, ticketing systems (Zendesk), call center, and video calls in both Russian and English.

- Conducted on-site consultations for corporate employees and clients, analyzing their needs to provide tailored solutions for retail banking products (loans, deposits, payment cards); - Organized and delivered product presentations at promotional events for audiences of 50+ potential clients monthly, contributing to new client acquisition; - Addressed and resolved complex client inquiries and objections, providing clear explanations to build trust and facilitate product adoption; - Advised clients on product terms, tariffs, interest rates, and additional services, ensuring clear communication and informed decision-making; - Educated clients on using online banking and mobile applications, effectively reducing the number of subsequent support requests and improving client self-sufficiency; - Ensured all client interactions and recommendations strictly adhered to the bank's compliance standards and procedures.

- Assessed client creditworthiness through comprehensive analysis of financial data, income levels, and debt-to-income ratios; - Performed thorough client due diligence by verifying the authenticity of provided documents through internal and external databases to mitigate fraud risks; - Compiled and maintained comprehensive credit application dossiers, ensuring full compliance with regulatory and internal policy requirements; - Consulted clients on lending options, recommending the most suitable credit programs based on their individual financial profiles; - Made informed decisions on loan applications within assigned authority limits, balancing customer service with risk management principles.