MOHAMMED EL IDRISSI

• Serve as frontline First Line of Defense (1LoD) within a high-volume retail branch: collecting client documentation and verifying source of funds and identity at point of transaction, per CBUAE AML/CFT guidelines and FATF Recommendations.


• Identify and escalate suspicious customer activity directly to Compliance and the MLRO during daily branch operations, supporting the bank's PEP, sanctions, and SAR/STR processes at branch level zero compliance failures recorded over 10+ years.


• Maintain accurate and complete transaction records in T24 Temenos core banking system, supporting the audit trail required for regulatory inspection.


• Lead branch operations team: daily cash flow management, vault balance audits, reconciliations with zero discrepancy, and quality control across all client facing processes.


• Handle daily customer queries, service issues, and complaints as frontline Customer Services Officer.

•Processed high volume daily cash transactions with strict adherence to CBUAE AML guidelines and internal controls, verifying KYC documentation (identity and source of funds) before execution, with zero discrepancy across all cash operations.

•Identified and escalated unusual transaction patterns encountered during daily operations to the Compliance team.

•Supported the compliance team with documentation checks and periodic file reviews upon request.

• Collected and verified KYC documentation (identity and source of funds) for international remittance clients, in line with FATF aligned requirements across multiple jurisdictions.

• Identified and escalated unusual transaction patterns encountered during daily remittance processing; maintained documentation for regulatory audits.