Said Seif Kabeya, CFE

1. Client Due Diligence (CDD), and Regulatory Onboarding:

• Performing background operational support duties in relation to the Bank’s Customer Identification Program/Anti-Money Laundering (AML) Customer Due Diligence Program, such as, but not limited to, initial Customer Due Diligence (CDD) screening, triggering of Enhanced Due Diligence (EDD) alerts, collection of missing required documentation and information on high-risk entity types
• Performing all relevant onboarding processes including creation of CDD/KYC for New Clients, Periodic Review of CDD for Existing Clients and perform regulatory onboarding (e.g. FATCA, CRS) activities.
• Ensuring Compliance to Anti-Money Laundering Policies, completeness and accuracy of information as provided by the customers during onboarding and CDD/KYC Periodic Reviews.

2. Risk Management:

• Complying with applicable Money Laundering (AML) Prevention Procedures and report any suspicious activity to the operation risk team.
• Proactively managing risks, establishing and monitoring controls to improve the overall state of the risk management and operating framework.

3. Governance:

• Undertaking periodic self-assessment on key controls to assess the proper functioning and adequacy of existing controls while ensuring compliance with the internal policies and credit policies, external policies, regulatory and statutory requirements.

4. Regulatory & Business Conduct:

• Taking personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Staying informed about relevant laws, regulations and guidelines that affect the banking industry, including interpret and communicate regulatory requirements to stakeholders.
• Respond to inquiries and requested from regulatory authorities.

5. Enablement (Channels - Straight2Bank - S2B)

• Delivering excellent service and advice to our Corporate, Commercial and Institutional Banking (CCIB) and Business Banking (BB) clients in all interactions for their Straight2Bank including channel activation, any pre-transactional enquiries or setup, trainings, and other channel related issues.
• Accept and arrange processing of various channels (Straight2Bank) and related products and services setup requests for CCIB and BB clients; including internal setups e.g. for Client Access, Transaction Banking (TB) implementation testing setups, various internal operations unit’s setups relevant to channels activation

6. Credit Documentation:

• Performing credit documentation activities for the deals flowing from CCIB and BB.
• Conducting checks on Credit Documentation output as applicable by the Policies and Procedures.
• Identifying processing risks or inefficiencies and implement appropriate and effective changes.
  

• Supported the Risk head in developing a sustainable system for fraud identification, monitoring, investigation and reporting in order to minimize fraud losses and ensure timely recovery of fraud related claims
• Reduced fraud losses by way of timely investigation and resolution of cases and all possible recovery opportunities to be explored and tracked
• Identified and developed effective fraud control policies and procedures in line with fraud risk management strategy of prevention, detection, deterrence, mitigation, investigation and recovery
• Identified, investigated and resolved fraud issues relating to retail clients portfolio, identify, develop and continuously improve fraud prevention procedures and measures
• Liaised with industry risk forums, franchisee, regulators and law enforcements as appropriate
• Analyzed and reviewed fraud trends and provided recommendations to the head Retail risk operations on control measures to minimize/mitigate such frauds
• Ensured necessary report submissions are made on time including regulatory submissions
• Independently determined if transactions are fraudulent and should be refunded or otherwise
• Worked effectively with peers and leadership by communicating fraud trends and sharing ideas and information in a constructive and positive manner
• Conducted analysis of transaction and customer records to link unidentified transactions and accounts to known fraudulent activity
• Worked with law enforcement to bring cases to prosecution.

• Performed CDD Periodic reviews and Ensured completeness of Customer Due Diligence (CDD) information for Business Banking Clients is current, valid, complete. In addition checked the quality of the CDD information before approval
• Ensured compliance to policy, completeness and accuracy of the information provided by Customers.
• Identified, assessed, monitored and mitigated financial crime risk, sanctions risk and reputational risks to the Bank and Group at large
• Performed reviews of all AML controls to assess effectiveness on sanctions and Political Exposes Persons (PEPs)
• Performed name screening of all clients, report and analyze all Suspicious Activity end to end and Report any Suspicious Activities Reports (SARs) that might be raised by the screening
• Ensured timely closure of all AML CDD Exception issues raised
• Timely responded to Financial Crime Compliance (FCC) issues and ensured Compliance with Anti-Money Laundering (AML) and Compliance Risk
• Followed up with Relationship Managers (RMs) and Branch Managers (BMs) for any noted deficiencies during client's Periodic reviews and ensured reports are prepared on time to update accounts for all completed and approved Periodic reviews

• Posted and Validated daily Batches and Cheques
• Processed Payments.