Ayman Mushtaq
Lakelands
Summary
Experienced financial industry professional with 4+ years of expertise in cultivating customer relationships. Proven track record of boosting sales for bank products and growing branch revenue. Currently overseeing Operations as Customer Verification & Account Profiling Unit, demonstrating versatile financial services skills.
Overview
5
5
years of professional experience
4
4
years of post-secondary education
Work History
Customer Verification Officer
Deem Finance LLC
Dubai, Dubai
09.2022 - 12.2024
- Reviewed and verified a wide range of banking documents, including account applications for personal loans, credit cards, and merchant finance.
- Confirmed customer identities to prevent impersonation and the use of fake or stolen identities.
- Ensured compliance with government regulations and internal policies to protect against identity theft, fraud, and risks involving minors.
- Reduced risks associated with money laundering and illicit activities by performing thorough KYC checks.
- Conducted detailed analysis of customer information to identify discrepancies or irregularities.
- Performed compliance screening using FIRCO (Acuity), AECB authentication, field visits, and HR CPV verification.
- Ensured all documents met regulatory, internal, and industry best practice standards.
- Communicated with internal departments, external partners, and customers to resolve verification-related issues.
- Maintained precise records and documentation of all verifications and correspondence.
- Collaborated with Fraud, Compliance, and Legal teams to ensure consistent alignment with policies and regulatory guidelines.
- Successfully managed multiple verification tasks under strict deadlines while ensuring accuracy and quality.
- Enhanced the quality of verifications by conducting comprehensive research and investigation into applicant backgrounds.
Retention Agent
Deem Finance LLC
09.2022 - 12.2024
- Retain current customers who have raised a request for closure of cards & loans.
- Design & implement customer retention strategies in order to satisfy company’s customers & reduce closure rate.
- Complaint handling with the goal of increasing satisfaction of customers and expanding revenue generation for company.
- Selling company’s products on exceptional rates to reduce the closure applications.
- Designing Sales and retention Strategies to retain customers of different mindset.
- Proposing new tools and offers to make sure customer continue using the product.
- Assisting with all operational work to close every request & complaint in system.
- Participating and scoring maximum in In-house compliance trainings and tests.
Outbound Acquisition & Portfolio Agent - Sales
Deem Finance LLC
Dubai
09.2022 - 12.2024
- Cross-selling other products while retaining customers to generate profitability, like balance transfers, Easy Cash, and Easy Payment Plans.
- Achieved targets of 1M on a monthly basis for all products & resolved customer issues utilizing effective listening and problem-solving skills.
- After achieving the team target, the company’s revenue increased by 5%.
- Ensure satisfaction level by having follow-up calls & emails to interact with customers.
- Maintain good relationships with the target market to satisfy their needs.
- Addressed incoming and outgoing customer inquiries and offered productive solutions that increased customer satisfaction.
- De-escalated and resolved customer complaints with punctual, polite, and professional service.
- Maintained accurate records of client communications, transactions, policies, and other relevant documentation for seamless operations within the agency.
CSO (Operations)
Soneri Bank Limited
10.2019 - 10.2021
- Accepting deposits of both cheque and cash and validating deposit slips.
- Efficiently process FT to fulfill customer’s requirement with in TAT.
- Proactively provide feedback to the Service Supervisor and Branch Banking Head and provide support to other branches, financial Center and units.
- Ensure compliance with guidelines of Central bank and instructions relating to E-KYC.
- Participate in training sessions and promptly complying with all reporting requirements i.e. Anti-Money Laundering Legislation and compliance.
- Manage same day, normal clearing & US clearing before NIFT.
- Managing files every day and close them after rectifying audit objections.
- Identify the needs of potential customers and offer appropriate financial services and products, such as Bank Account, Auto and personal loans, as well as make referrals of insurance and investment businesses.
Account Opening Officer
Soneri Bank Limited
10.2019 - 10.2021
- Open Accounts for customers according to their needs on daily basis while ensuring compliance with State Bank’s instructions.
- Responsible for handling customer inquiries related to Account Opening/closing & bankers cheque issuance accurately and provide information.
- Perform any other tasks as required or instructed by the line manager to support the smooth operation of the branch.
- Timely resolution on compliance dispositions and ensure that all inquiries are followed up and closed.
- Updating E-KYC of customers in the records in terms of compliance.
- Handling Cheque book applications & delivery.
- Maintains Card Applications & destructions according to Bank’s policy.
- Closely worked with Branch Operations Manager & BM in different products.
Education
Bachelor of Business Administration - Marketing
University of Sargodha
01.2015 - 01.2019
Skills
- Background checks
- Investigative techniques
- Identity validation
- Skilled negotiator
- Document verification
- Persuasive communication
- Effective presentation skills
- Team-oriented
- Customer-focused adaptability
- Skilled at prioritizing tasks simultaneously
- Highly responsible
- Goal-oriented
- Self-assured professional
- Ambitious
- Cross-sell opportunities
Language Competency
- English
- Urdu
Personal Information
- Passport Number: GC0842222
- Date of Birth: 04/14/97
- Nationality: Pakistan
Awards
- 12/01/23, Highest target achievement award in the all products.
- 01/01/22, Appreciation Certificates for championing service excellence at Soneri Bank.
- 03/01/21, Appreciation Certificate for championing service excellence at Soneri Bank.
- 12/31/19, Merit certificate of securing 2nd position in the Graduation Ceremony.
- 12/31/19, Graduated as SILVER MEDALIST from University Of Sargodha.
- 12/31/15, Certificate of attending workshop on IT Professional Skills.
- 05/01/14, Laptop awarded by PRIME MINISTER on Merit.
Timeline
Customer Verification Officer
Deem Finance LLC
09.2022 - 12.2024
Retention Agent
Deem Finance LLC
09.2022 - 12.2024
Outbound Acquisition & Portfolio Agent - Sales
Deem Finance LLC
09.2022 - 12.2024
CSO (Operations)
Soneri Bank Limited
10.2019 - 10.2021
Account Opening Officer
Soneri Bank Limited
10.2019 - 10.2021
Bachelor of Business Administration - Marketing
University of Sargodha
01.2015 - 01.2019
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