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muhammad Faisal, Senior Officer- Analyst Compliance

muhammad Faisal

Senior Officer- Analyst Compliance·SYSTEM LIMITED (UAE- BASED FINTECH)

Pakistan

Master's degree, Master in Commerce

Work experience

Total years of experience: 10 years, 3 months

Senior Officer- Analyst Compliance

February 2025 - Present

SYSTEM LIMITED (UAE- BASED FINTECH)

Lahore, Pakistan •Remote

February 2025 - Present

•Conducting onboarding sanction screening and periodic screening alerts.
•Managing customer complaints and queries related to accounts.
•Handling PEP onboarding and performing Enhanced Due Diligence (EDD).
•Drafting Suspicious Transaction Reports (STRs).
•Coordinating with internal teams on AML-related matters and providing suggestions to support compliance.
•High Risk Customer Handling.
•Supporting teams in AML-related tasks whenever required.
•Liaising with the vendor for AML system updates.
•Maintaining and keeping a track record of AML data.
•Performing ad hoc tasks as assigned by line management
Company industry:
IT Services
Job role:
Banking

Transaction Monitoring

May 2024 - February 2025

Faysal Bank Limited

Lahore, Pakistan

May 2024 - February 2025

• Conducted comprehensive monitoring of customer transactions using Mantas and various analytical tools to ensure compliance with regulatory standards.
• Identified and investigated potential suspicious activities in collaboration with the AML Manager and Head of CAAML, enhancing risk mitigation efforts.
• Managed the reporting and referral process for suspicious activities in accordance with CAAML procedures, ensuring timely and accurate submissions.
• Maintained detailed records and files of all investigated transactions, including branch responses and correspondence with stakeholders, ensuring all documentation was accurately attached in TMS with alerts for transparency and accountability.
• Contributed to a robust compliance culture by implementing best practices in transaction monitoring and reporting processes.
Company industry:
Banking
Job role:
Banking

Senior Compliance officer

February 2024 - May 2024

MCB EXCHANGE PVT LTD (DEPUTATION)

Lahore, Pakistan

February 2024 - May 2024

• Developed and implemented robust AML/CFT policies, procedures, and controls in compliance with SBP Standards of Foreign Exchange Regulation Act, 1947.
• Successfully integrated Transaction Monitoring Rules into the system following SBP SOPs, enhancing operational efficiency.
• Conducted ongoing transaction monitoring to detect high-risk, unusual, and suspicious activities, ensuring the effectiveness of monitoring systems.
• Collaborated with Treasury and Accounting departments to streamline compliance processes and improve overall operational integrity.
• Demonstrated strong analytical skills in identifying potential risks, contributing to a safer financial environment.
Company industry:
Banking
Job role:
Banking

compliance specialist

June 2022 - May 2024

MCB Bank Limited

Lahore, Pakistan

June 2022 - May 2024

• Conducted thorough payment screening as an Analyst, reviewing SWIFT messages including MT 103, 202, 300, and 700 for both inward and outward remittances and trade transactions.
• Delivered expert support and guidance to various departments, addressing regulatory compliance queries effectively.
• Proactively updated the NACTA negative list through HD letters, ensuring accurate verification via E name checker and successful uploads into the SafeWatch live environment.
• Executed delta screening for notified and de-notified records, enhancing compliance accuracy and operational efficiency.
• Demonstrated strong analytical skills and attention to detail in maintaining compliance standards and supporting organizational operations.
Company industry:
Banking
Job role:
Banking

Cash Officer Executive

August 2019 - June 2022

Bank Islami

Lahore, Pakistan

August 2019 - June 2022

• Processed account openings for prospective customers, ensuring all formalities were completed efficiently.
• Managed cash handling and ATM replenishment in accordance with established procedures, enhancing operational accuracy.
• Conducted monthly reviews of customer E-KYC, maintaining compliance within risk thresholds for Low, Medium, and High Risk Categories (CRP).
• Drove marketing and sales initiatives to consistently meet branch monthly targets, contributing to overall growth.
• Oversaw locker operations, including issuance, surrender, and month-end balancing, ensuring customer satisfaction.
• Executed Enhanced Due Diligence (EDD), E-KYC, and processed various transactions such as Purchase Orders (PO), Cash Deposit Receipts (CDR), and Real-Time Gross Settlement (RTGS).
• Addressed outstanding POs and CDRs, facilitating smooth operational workflows.
Company industry:
Banking
Job role:
Banking

Business Service Officer

October 2016 - January 2019

MEEZAN BANK LIMITED

Lahore, Pakistan

October 2016 - January 2019

• Managed cash receipts and processed cheque payments, ensuring accuracy and compliance with financial regulations.
• Handled foreign currency transactions, demonstrating a strong understanding of international finance and exchange rates.
• Oversaw branch expense vouchers, maintaining meticulous records and ensuring adherence to budgetary guidelines.
• Coordinated Automated Teller Machine (ATM) replenishment, optimizing cash flow and service availability for customers.
• Facilitated funds transfers and managed inward and outward clearing processes, streamlining operations and enhancing customer satisfaction.
• Executed additional tasks as directed by management, showcasing adaptability and a commitment to operational excellence.
Company industry:
Banking

Teller / Cashier / Cash Officer

September 2015 - September 2016

D D CHANGE COMPANY

Sialkot, Pakistan

September 2015 - September 2016

• Managed multiple foreign currency transactions, ensuring compliance with financial regulations.
• Collaborated with the head department to prepare and communicate comprehensive evaluation reports.
• Maintained accurate daily records, enhancing operational efficiency and transparency.
• Ensured adherence to Standard Operating Procedures (SOPs) for record-keeping and compliance.
• Oversaw expense management, optimizing resource allocation and contributing to budgetary control.
• Developed a keen understanding of compliance frameworks, preparing for a seamless transition into compliance specialist and admin operations roles.
Company industry:
Financial Services
Job role:
582

Education

Virtual University of Pakistan

January 2021

January 2021

Master's degree, Master in Commerce

Pakistan

Virtual University

September 2018

September 2018

Master's degree, Finance

Pakistan

University of the Punjab

January 2013

January 2013

High school or equivalent, B. COM (IT)

Pakistan

Ikhwan Science College

January 2010

January 2010

High school or equivalent, Science

Pakistan

Govt Islamia School

January 2008

January 2008

High school or equivalent, Accounting And Business Sciences

Pakistan

Skills

Monitoring
Expert
Monitoring
Expert
Auditing
Expert
Auditing
Expert
Bank Operations
Expert
Bank Operations
Expert
Sanctions
Expert
Sanctions
Expert
Compliance
Expert
Compliance
Expert
Excel
Intermediate
Excel
Intermediate
Monitoring
Expert
Monitoring
Expert
Auditing
Expert
Auditing
Expert
Bank Operations
Expert
Bank Operations
Expert
AML
Expert
AML
Expert
Microsoft Office
Expert
Microsoft Office
Expert
Sanctions
Expert
Sanctions
Expert
Good Governance
Expert
Good Governance
Expert
Preparation
Expert
Preparation
Expert
Management
Expert
Management
Expert
COMPLIANCE REPORTING
Expert
COMPLIANCE REPORTING
Expert
BANKING
Expert
BANKING
Expert
ANALYTICAL THINKING
Intermediate
ANALYTICAL THINKING
Intermediate
INTERPERSONAL COMMUNICATIONS
Intermediate
INTERPERSONAL COMMUNICATIONS
Intermediate
BUSINESS OBJECTIVES
Intermediate
BUSINESS OBJECTIVES
Intermediate
OPERATIONS
Intermediate
OPERATIONS
Intermediate
ORGANIZATIONAL SKILLS
Intermediate
ORGANIZATIONAL SKILLS
Intermediate
PROBLEM SOLVING
Expert
PROBLEM SOLVING
Expert
COST MANAGEMENT
Intermediate
COST MANAGEMENT
Intermediate
TRANSACTION MONITORING
Expert
TRANSACTION MONITORING
Expert
Badminton
Expert
Badminton
Expert
Quicker Learner
Expert
Quicker Learner
Expert
Foot Ball
Expert
Foot Ball
Expert
Cricket
Expert
Cricket
Expert
Communication
Expert
Communication
Expert
Customer Service
Expert
Customer Service
Expert
KYC
Expert
KYC
Expert
Compliance
Expert
Compliance
Expert
Risk Management
Expert
Risk Management
Expert
Regulatory Affairs
Expert
Regulatory Affairs
Expert
Administration
Expert
Administration
Expert
Microsoft Excel
Expert
Microsoft Excel
Expert
Risk
Expert
Risk
Expert

Social profiles

Languages

Urdu

Native Speaker

English

Expert

Training and Certifications

Certifications
AML CFT and CPF Orientation Program
Mitigation of ML, TF and PF Risk
AML certification
Oct 2022

Hobbies and interests

Football in Demolition FC
Tables Tennis
Badminton
Cricket
badminton
Cricket
Football