AISHA SAID
Dar es Salaam
Summary
Result oriented Senior management with superb leadership, coaching, and communication skills. An experienced Enterprise Risk and Compliance Manager with over 5 years of risk management and compliance experience, specializing in the dynamic field of digital payments.Possesses a strong track record of successfully implementing risk mitigation strategies and ensuring regulatory compliance. Distinguished by the prestigious designation of Certified Fraud Examiner, demonstrating a keen understanding of fraud prevention and detection in the financial sector.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Compliance and Regulatory Manager
Flutterwave (Fintech)
05.2023 - Current
- Risk Management:Implementing and managing a risk management framework, which includes identifying and assessing risks at various organizational levels,
- Regulatory Monitoring: Proficient in monitoring changes in financial regulations and effectively assessing their impact on company operations. Skilled at making necessary adjustments to ensure and maintain compliance.
- Compliance Policy Development: Proven track record of developing and implementing compliance policies and procedures that are tailored to the unique characteristics of the fintech industry while adhering to applicable financial regulations.
- Reporting and Documentation: Regularly report to senior management on the company's compliance status and any potential risks. Proficient in reviewing documents, files, transcripts, and records to assess compliance and potential risks.
- New Product Risk Assessment: Conducting risk assessments for new products and services, ensuring that relevant risks are considered during the product development process.
- AML and CFT Programs: Demonstrated ability to design and implement Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) programs to detect and prevent money laundering activities and suspicious transactions.
- Transaction Monitoring: Proficiency in implementing robust transaction monitoring systems to identify and prevent fraudulent activities or regulatory violations.
- Vendor Due Diligence: Conduct thorough due diligence on third-party vendors and partners to ensure adherence to compliance standards and alignment with regulatory obligations.
- Internal Audits and Training: Conduct internal audits to assess and improve compliance levels, while providing regular compliance training to employees to foster a culture of compliance.
- Reporting and Documentation: Regularly report to senior management on the company's compliance status and any potential risks. Proficient in reviewing documents, files, transcripts, and records to assess compliance and potential risks.
- Compliance Management: Successfully manage compliance efforts, reporting, and audits. Maintain effective working relationships with regulatory authorities, suppliers, and customers.
AML Compliance Officer
MIC- tigo Tanzania
01.2020 - 05.2023
- Risk Management: Managing an Enterprise Risk Management framework, including identifying and assessing risks at different organizational levels
- Develop policies and procedures to manage risk within acceptable ranges
- Regulatory Compliance: Ensure adherence to all relevant financial regulations, laws, and guidelines at local, national, and international levels.
- Ensure the AML/CFT functionalities are implemented within tigo and AML program is effective
- Policy Development: Develop and implement compliance policies, procedures, and strategies to align with changing regulatory requirements and industry best practices.
- Training and Education: Conduct compliance training programs for staff to ensure an understanding of regulations and policies, fostering a culture of compliance within the organization.
- Audits and Examinations: Prepare for and assist with internal and external audits and regulatory examinations, providing necessary documentation and responses.
- Compliance Testing: Perform regular compliance testing to verify the effectiveness of controls and adherence to policies.
- Ensure appropriate framework and controls are in place to comply with AML legislation
- Recommended new software AML tools and enhancements to improve detection, prevention, and reporting efforts
- Promote the use of automated controls to improve efficiency and reduce fraud and error risk
- Interacted with law enforcement agencies, regulators, and financial institutions to coordinate investigations related to fraudulent activities.
MFS Risk Officer
Zantel, Tanzania
09.2017 - 12.2019
- Establish a new division of MFS risk and Compliance program to ensure mobile financial service compliance risks are appropriately addressed and managed
- Review new business proposals and highlight key risks and proposed solutions
- Ensure understanding of local and international laws and regulations and their application to the MFS business
- Ensure employees follow regulatory agencies rules and regulations and company policies and procedures
- Develop external relationships with regulators and present company's views on changes to laws and regulations
- Liaise with regulatory authorities and other operators to communicate and address risks, frauds, and AML
- Develop tools and methodologies to support risk management
- Prepare risk reporting for different audiences
- Ensure risk management activities are embedded in daily activities.
Fraud and Revenue Assurance Analyst
Zantel, Tanzania
01.2012 - 08.2017
- Set policies and procedures to reduce revenue leakage and fraudulent activities
- Liaise with regulators and other operators to communicate and address frauds
- Analyze, reconcile, and assure revenues from all revenue streams
- Perform audits to ensure processes are in line with policies
- Work closely with technical and commercial departments to reduce leakages and meet technical standards
- Review high-value usage, transaction amounts, and movements
- Participate in fraud investigations and monitor fraud-related communications and training
- Combat financial fraud committed by customers or agents.
Education
BSc electronics Science and Communication -
University of Dar Es Salaam
12.2008
Skills
- Risk Assessment and Management
- Regulatory Change Management
- Risk Reporting
- Policy Development
- AML and CFT Programs
- Internal Audits and Training
- Compliance Reviews
- Database querying skills, eg, SQL
References
Anne Subilaga Kilindu, MFS RA Operational Manager, Tigo Tanzania, +255 774 714 748, anne.kilindu@tigo.co.tz
Dismas Anthony, Manager Business Risks and Controls, ZANTEL, +255 658 123 640, dismas.anthony@tigo.co.tz
Abdallah Nguba, Head of Risk and Compliance, Tigo Tanzania, +255 713 123 113, abdalla.nguba@tigo.co.tz
Certification
Certified Fraud Examiner,CFE 2018
(Association of Certified Fraud Examiners, USA)
ISMS and BCMS Lead Implementer/Auditor
British Standard Institution -BSI
Diploma in Excel and PowerPoint Essentials
Online Analytics Training -Kubicle
Timeline
Compliance and Regulatory Manager
Flutterwave (Fintech)
05.2023 - Current
AML Compliance Officer
MIC- tigo Tanzania
01.2020 - 05.2023
MFS Risk Officer
Zantel, Tanzania
09.2017 - 12.2019
Fraud and Revenue Assurance Analyst
Zantel, Tanzania
01.2012 - 08.2017
BSc electronics Science and Communication -
University of Dar Es Salaam
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