Elvita Miranda
Dandenong North,VIC
Summary
With 10+ years’ experience in the AML sector, I’ve positively contributed to the compliance programs in accordance with the AML/CTF legislation and gained exhaustive knowledge in the AML landscape. I have strong investigative skills and the ability to produce detailed reports whilst consistently exceeding Key Performance Indicators and recommend management controls to mitigate risk. I am eager for a challenging role that boosts professional development and use my knowledge, experience and passion for training to influence key decision makers across multiple business units to ensure compliance obligations are met.
Overview
12
12
years of professional experience
Work History
AML Associate Manager
ANZ
03.2017 - Current
Senior Analyst
ANZ
02.2013 - 03.2017
- In addition to the duties mentioned under Senior Analyst Key responsibilities
- Training of new FCTM staff members – Taking them through the on-boarding process and training them to review and investigate cases
- Providing coaching and feedback to new staff in relation to best practice for prevention of future compliance, regulatory and legislative breaches
- Provide feedback loop and insight to team managers on new trainees’ progress
- QC checks (assisting QC team) – in undertaking weekly QC checks for Melbourne (MEL), Bangalore (BLR), and Manila (MNL)
- Providing recommendations of process improvements to drive improved outcomes for the customer and the business
- Complaints Inbox management (Customer complaints/ Complaints management) – Reviewing/Investigation & Actioning of complex complaints cases from the inbox
- Communicating existing, improved, and new processes to onshore / offshore teams to drive improved customer outcomes and reduce complexity Achievements
- Nominated to travel to BLR to deliver training to the FCTM BLR Service Centre
- Delivered I2 Training to the FCTM BLR Service Centre.
AML Analyst
ANZ
03.2010 - 02.2013
- Manage investigations and identify patterns of behaviour that may relate to money laundering and/or other illicit activity and in turn, file Suspicious Matter Reports (SMRs) to AUSTRAC or Suspicious Transaction Reports (STRs) to the New Zealand Financial Intelligence Unit (FIU)
- Key responsibilities
- Investigating suspicious activity alerts that are reported by various areas of the bank to ensure that ANZ complies with Anti-Money Laundering/Counter-Terrorism Financing Legislation
- Reviewing accounts to determine patterns of behaviour which may be deemed as suspicious/unusual
- Investigating customers who are a potential match to Politically Exposed Persons (PEPs) and confirming whether they are in fact one and the same
- Ensuring that Customer Due Diligence (CDD) and Enhanced Customer Due Diligence (ECDD) are of high quality
- Ensuring that each investigation is completed in an appropriate time frame, whilst maintaining a high standard of work and ensuring that compliance is met
- Ensuring that KYC information for customers is verified and if not, recommending that cases are forwarded to the MLRO for customer information to be updated
- Liaising and assisting with internal and external stakeholder (MLRO’S and Law Enforcement) with requests relating to ML/TF and other criminal activity
- Identifying several Financial Crime & Terrorism individuals through the World Check system and taking steps to monitor and exit those customers
- Contacting customers to gain a better understanding of their account activity
- Achievements
- Positive feedback received from Law Enforcement and Australian Federal Police regarding case analysis and investigations
- SMR training – Reviewed and updated operating procedure guides and created training material for AML Operations SMR submission in line with AUSTRAC requirements
- Shark Tank – Provided process improvement ideas relating to customer contact to ensure smooth workflow and improve customer relationship
Education
Bachelor of Arts -
University of Mumbai
2001
Skills
- A sharp analytical mind with the ability to think laterally and strategically
- Observant with an excellent eye for detail
- Enthusiastic with a positive attitude to life and work and the ability to be diplomatic and tactful
- Problem solver in a consultative manner with team and leaders
- Highly organised – able to juggle multiple tasks and responsibilities
- Decision making – Confident in making sound and right decisions with limited information and in high pressure situations
- Excellent communication and presentation skills – with the ability to Connect, build relationships, and communicate effectively with all levels of stakeholders
- Ability to work autonomously and with minimal supervision in a fast-paced environment
Accomplishments
- Traveled to BLR to deliver training to the FCTM BLR Service Centre.
- Delivered I2 Training to the FCTM BLR Service Centre.
References
Avaliable on request
Timeline
AML Associate Manager
ANZ
03.2017 - Current
Senior Analyst
ANZ
02.2013 - 03.2017
AML Analyst
ANZ
03.2010 - 02.2013
Bachelor of Arts -
University of Mumbai