Fatima Saajid

Consulting for MUFG - Completing periodic reviews including high-level AML due diligence on Third Party Correspondent Banking relationships specifically Financial Institutions. This includes EDD/SpDD, nature of business, ownership and structures, investigating products and services with sanctions screening and adverse media. Completing investigations and liaising with Relationship Managers to confirm the FI information to establish a complete risk profile of the client base including whether FI is involved in Trade Finance and expected activities from this.

• First line of defence for the Private Bank team working with the Relationship Directors to review the PB client files on a regular basis as per the Bank's KYC standards. • Completing reviews on client base ranging from Low Risk to PEP, and ad-hoc assistance required to Relationship Directors for the on boarding of new clients and accounts. • Maintaining knowledge to ensure adherence with all applicable regulatory, KYC requirements, Compliance policies and policies to avoid exposing the Bank to undue risk. • Perform appropriate due diligence (including Enhanced Due Diligence) on the Private Bank client accounts by obtaining all required information from internal and/or external sources, media searches, open sources, company websites and system screening. • Using system screening such as World Check, Datanomics, Lexis Nexis, Safewatch – and ensuring the Private Bank KYC records are updated with all the information obtained from all sources, ensure the AML records within the Bank’s systems are accurate, through and up to date. • Escalate any discrepancies to Relationship Manager for agreement on actions required. • Meet agreed targets for the Private Bank KYC reviews in terms of timeframe and quality, tracking outstanding queries and issues through to timely resolution. • Proactively interacting with the relationship management team, Compliance and Controls Manager for Private Bank and Compliance.

• Building strong relationships within private bank and a positive brand, working closely to ensure the review process is completed efficiently and accurately • Excellent understanding of regulatory issues/ procedures, with strong knowledge of Anti-Money Laundering and Know Your Customer regulations and standards • Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Policies and Policy Standards • Ensure Bankers are supported through to sign off of the Annual Review • Provide Banker guidance based on knowledge and application of CDD policy standards applicable to the Annual Review. • Ability to make evaluative judgements based on the analysis of factual and qualitative information relating to Source of Wealth, adverse media etc, including analysis of third party Enhanced Due Diligence reports • Provide sign-off that Client Files meet the standards required and that essential procedures have been followed • Where CDD information updates are made, ensure they are appropriately documented with corroboration. • Providing clarity to stakeholders to confirm accuracy of Risk Classification. • Ability to challenge Banker if any contradictions or information arises that impacts the validity of information or response provided. • Work with other team members to record activity and generate Management Information (MI). • A good understanding of the role of private bankers and private banking products, with the ability to empathise and appreciate the relevance of the private bankers’ role in supporting the on-boarding process • Senior contact for Private Bank high-risk annual review queries and act as a liaison between Front Office and Operations Teams.

Carrying out KYC reviews of documentation for new customer accounts • Evaluating high-risk accounts and identifying the need for enhanced due diligence • AML checks including transactional monitoring and evidence of funds from clients • Analysing new customer processes, policies and trends within the business • Involved in reviewing strategy and compliance issues relating to new products • Investigating and assessing alerts for potential money laundering risks in the firm • Ensuring efficient identification and monitoring of suspicious activities and transactions • Maintain a current understanding of money laundering and terrorist financing issues, including policies, procedures, regulations, industry best practice, criminal typologies and developing trends • Carrying out transactional monitoring of customer activities and establishing the need to investigate, and resolve suspicious transactions or money laundering alerts

• Assessing compliance of business operations dealing with pensions and annuities • Complete end to end case management, inclusive of evidence gathering, final decisions • Assessing compliance of end client with regards to FCA guidelines and ICOBS • Managing case load independently, ensuring efficient and effective assessments • Assessed cases on their merits, paying attention to information provided making impartial and fair decisions • Presenting issues in compliance to end client, in forms of case clinics, developing procedure documentation for processes and establishing guidelines for other work streams.

• Managed own high volume caseload efficiently and settled disputes involving insurance and financial institutions • Assessed cases on their merits, paying attention to information provided making impartial and fair decisions • Gathered information from various sources to ensure a full case file. This also involved having to critically analyse the various sources of information in the end-to-end process to make sure they corroborated in order to have a cohesive case. • Built on previous experience of PPI contracts to ensure development of key skills while carrying out case work. • Produced assessments on complaints against financial institutions, which required a great deal of detail and an analytical mindset. • Delivered outcome to consumers, ensuring effective mediation and excellent customer service • Ensured accurate, timely recording and preparation of complaints from receipt to the stage of investigation • Decided what is fair and reasonable and have responsibility for making judgement calls • Continuous application of relevant legislation and industry guidelines

• Working in a target and quality driven environment • Strong office and administration skills, using 29 systems to gather and problem solve issues faced in the process • Ensuring accurate, timely recording and preparation of complaints from receipt to the stage where they are ready for investigation • Gathering information from various sources to ensure a full case file • Entering information in to excel spreadsheets and various internal systems • Pro-actively support the culture of continuous improvement with the objective of improving service and efficiency • Committed to the ethos of 'right first time' as means of minimising the need for re-work • Working as a member of a team to ensure personal, team and PPI Unit objectives and service standards are achieved • Actively participating in team meetings

• Examining information provided by initial review teams, ensure all investigation has been carried out thoroughly • Calculating and finalising payments due to the complainants • Assessing methods and parties final redress breakdowns • Assessing financial circumstances of clients and proceeding through correct means • Communicating final decision to clients through letters, requiring excellent communication skills • Job requires excellent analytical, numerical and communication skills • Day to day admin tasks to ensure efficient and accurate case handling

• Working with solicitors to prepare case files and take notes in meetings. • Day to day admin work such as filing, data input and attending meetings with clients if they required my assistance. • Worked on an ad-hoc basis, where I was able to fit time in between studies and family. • Worked heavily in immigration; writing up statements, drafting appeal letters and client packs regarding what the firm is able to do for the client.