jmalini17

Lead KYC/KYB/CDD/EDD and RFI reviews for a high-volume virtual asset exchange, ensuring regulatory compliance and consistent decisioning. Streamlined onboarding and RFI workflows, reducing average review time and increasing onboarding throughput by ~25%. Defined and tuned AML/CFT risk thresholds and transaction-monitoring rules, lowering false positives and improving alert-quality. Authored and maintained SOPs and best-practice guidance to align with evolving VARA and multijurisdictional requirements. Reviewed live transactions and led investigations, escalating suspicious activity via SAR/STR/ISTR to the MLRO. Collaborated with MLRO and Business Development on high-risk onboarding, improving risk acceptance governance. Managed full account lifecycle (onboarding, monitoring, restrictions, closures) and implemented controls to reduce operational risk. Used Sumsub and Chainalysis Reactor for identity and blockchain risk assessments to strengthen virtual-asset controls. Delivered targeted compliance training and led process-improvement initiatives that increased investigative efficiency. Created a centralized repository for Suspicious Transaction Reports, cutting cross-referencing and research time significantly.

Lead KYC/KYB/CDD/EDD and RFI reviews for a high-volume virtual asset exchange, ensuring regulatory compliance and consistent decisioning. Streamlined onboarding and RFI workflows, reducing average review time and increasing onboarding throughput by ~25%. Defined and tuned AML/CFT risk thresholds and transaction-monitoring rules, lowering false positives and improving alert-quality. Authored and maintained SOPs and best-practice guidance to align with evolving VARA and multijurisdictional requirements. Reviewed live transactions and led investigations, escalating suspicious activity via SAR/STR/ISTR to the MLRO. Collaborated with MLRO and Business Development on high-risk onboarding, improving risk acceptance governance. Managed full account lifecycle (onboarding, monitoring, restrictions, closures) and implemented controls to reduce operational risk. Used Sumsub and Chainalysis Reactor for identity and blockchain risk assessments to strengthen virtual-asset controls. Delivered targeted compliance training and led process-improvement initiatives that increased investigative efficiency. Created a centralized repository for Suspicious Transaction Reports, cutting cross-referencing and research time significantly.

Prepared full set of accounts (FY 2020–2022) and organized audit documentation including bank reconciliations, vouchers and invoices. Produced monthly expense reports, student payment reconciliations and inventory updates for learning materials and uniforms. Oversaw daily center operations, curriculum delivery and activity coordination to maintain service quality. Monitored staff and student attendance, managed scheduling and supported performance development for teaching staff. Managed parent relations, resolved inquiries and conducted meetings to address concerns professionally.

Designed, implemented and monitored transaction monitoring structures and AML control frameworks to protect the bank from money laundering and terrorist financing risks. Oversaw client screenings, name searches, adverse media checks and quality assurance to ensure investigation accuracy. Identified AML risk issues, emerging trends and control gaps; tracked mitigation actions through to closure to reduce regulatory exposure. Reviewed and validated client risk profiles and ensured appropriate CDD/EDD measures were applied. Worked with Compliance Managers and MLRO to align local controls with Group policies and regulatory expectations. Prepared and submitted Suspicious Transaction Reports (STRs) and other regulatory filings in line with reporting obligations. Led AML projects, system enhancements and process reengineering to improve alert handling and investigation efficiency. Coached and mentored team members to raise competency and consistency across investigations. Successfully cleared backlog investigations to prevent SLA breaches and reduce supervisory risk; volunteered to design and deliver system training that sped up investigation cycle times.

Managed a portfolio of 50–60 corporate clients; conducted monthly credit facility reviews and supported Relationship Managers with customer profile analysis. Processed fund transfers via RENTAS, GIRO and outward TTs; coordinated with Payment Centre, Trade Finance, Global Markets and Credit Services to resolve operational queries. Collected and reviewed documentation including audited financial statements and performed negative-news screening during renewals. Prepared CDD/EDD templates and Sanctions Exposure questionnaires for high-risk account openings and periodic reviews. Maintained client management systems (HORIS, Client Vision) and conducted financial analysis to support credit proposals and credit-memo preparation. Ensured adherence to internal controls, Group Compliance policies and audit/regulator recommendations; identified high-risk transaction patterns and recommended non-onboarding decisions to prevent estimated exposure of RM 2.5 million+.

Processed high-volume payment transactions (outward/inward drafts, FX cheques, RENTAS, MEPS, GIRO) with strong accuracy and adherence to SLA timelines. Managed payment enquiries, investigations and dispute resolutions, reducing rework and improving customer satisfaction. Maintained a robust control environment and promoted a compliance culture across the team. Identified and escalated operational risks and compliance issues promptly, supporting audit and regulatory reviews with clear documentation.