وسام خليل

- Orchestrated the implementation and operation of AML & Compliance policies and procedures, diligently investigating discrepancies and breaches.
- Lead and support enterprise risk management activities across the organization while ensuring alignment with internal policies and regulatory requirements.
- Conduct comprehensive risk assessments and monitor operational, financial, compliance, and reputational risks across business functions.
- Support the implementation and continuous enhancement of AML, compliance, governance, and internal control frameworks.
- Participate in the development and refinement of risk management policies, procedures, and governance practices tailored to the organization’s evolving requirements.
- Prepare detailed risk analysis reports, presentations, and recommendations for senior management and relevant stakeholders.
- Monitor compliance with regulatory requirements and support corrective action plans to address identified gaps and control weaknesses.
- Coordinate with internal departments to strengthen risk awareness, governance standards, and compliance practices across the organization.

- Orchestrated the implementation and operation of AML & Compliance policies and procedures, diligently investigating discrepancies and breaches.
- Spearheaded the development and continuous refinement of the company’s policies and procedures, ensuring alignment with internal policies and Central Bank of Kuwait (CBK) requirements.
- Innovated by crafting new policies, procedures, and work instructions tailored to the company’s evolving demands.
- Conducted in-depth analyses of retail and corporate portfolios, identifying potential risks through detailed AML and risk assessment reports.
- Developed risk assessment models to evaluate portfolio quality and identify potential issues that could impact the organization.
- Led compliance reviews across business units, prepared regulatory filings, revised compliance manuals, and addressed regulatory inquiries.
- Produced comprehensive reports highlighting the current risk profile of the financing portfolio.
- Identified areas of compliance vulnerability and risk, implementing corrective action plans and preventive measures.
- Monitored sanctions screening processes, including blacklist controls, United Nations sanctions lists, and PEP identification systems for new and existing customers.

- Garnered extensive experience in both Retail Banking and Global Banking and Markets.
- Proficiently executed L1 analysis, encompassing the Initial Analysis Phase, involving the efficient examination of alerted scenarios and transactions related to Money Laundering and Terrorist Financing.
- Conducted thorough investigations using internal and external resources, documenting findings and determining appropriate dispositions.
- Performed L2 Analysis involving enhanced reviews and collection of additional information through external research and Request for Information (RFI) procedures.
- Assessed alerted activities to determine potential financial crime risks in line with AML and Counter Terrorist Financing (CTF) regulations and procedures.
- Escalated high-risk cases and suspicious activities in accordance with internal policies and regulatory requirements.

- Boasting extensive experience in the Retail Banking Field, specializing in the Egypt and MENA regions.
- Conducted meticulous Due Diligence and Know Your Customer (KYC) research for clients, as an integral part of the organization's comprehensive Anti-Money Laundering (AML) Compliance remediation process.
- Systematically analyzed accounts and client information in strict accordance with prescribed internal control policies and procedures.
- Proficiently identified and assembled the necessary information to ensure compliance with the Bank's KYC due diligence policies and processes.
- Diligently monitored all transactions, encompassing Cash and Non-Cash transfers, Deposits, and Withdrawals, to detect and prevent potential Money Laundering, Bribery, Corruption, and Fraud activities.
- Carried out Enhanced Due Diligence (EDD) for specific customer types and those with particular risk characteristics, such as High-Risk and Special Category Customers (SCCs). Enhanced Due Diligence was conducted to mitigate the elevated risk of Financial Crime associated with these customers.
- Effectively determined the Customer's final Financial Crime Risk Rating (FCRR), which played a pivotal role in determining the level of due diligence required, the levels of approval needed, and the parameters for ongoing monitoring, including the frequency of periodic review cycles.
- Skillfully executed and meticulously reviewed negative media alerts stemming from client screening, and promptly escalated positive matches of customers and other critical AML/CFT issues necessitating in-depth investigations to the Financial Intelligence Unit (FIU) and Suspicious Activity Reporting (SAR) channels.