Nicholas Bowden

• Utilized advanced technology platforms, including Quantexa for efficient detection and analysis of suspicious financial transactions, aiding in the prevention of potential criminal activities.
• Fostered strong relationships with key stakeholders, promoting open communication channels for addressing concerns or inquiries about the transaction screening process.
• Collaborated with cross-functional teams to ensure consistent application of AML controls across business units.
• Optimized efficiency in the transaction review process by creating detailed documentation templates.
• Streamlined transaction screening processes by implementing automated tools and systems.
• Enhanced compliance with regulatory requirements through thorough transaction analysis and risk assessment.
• Maintained up-to-date knowledge of industry trends and emerging threats, adapting strategies accordingly to mitigate risks.
• Conducted comprehensive investigations on flagged transactions, minimizing potential legal and reputational risks.
• Mentored junior analysts, fostering a supportive learning environment that cultivated their professional growth.
• Provided expert guidance on AML regulations, keeping team members informed of relevant updates and changes.
• Actively contributed to the continuous improvement initiatives within the organization related to AML/transaction screening.
• Ensured timely resolution of compliance issues by effectively prioritizing workload and managing deadlines.
• Leveraged data analytics tools to identify patterns and trends in transaction activity, supporting proactive decision making.
• Developed tailored training materials to enhance team members'' understanding of transaction screening best practices.
• Identified potential financial crimes by diligently monitoring transactions for suspicious activity.
• Reduced false positives in transaction screening by refining filtering criteria and parameters.
• Supported internal audits by providing clear documentation and evidence of compliance efforts related to transaction screening.

• Analyzed large datasets using various analytical techniques to identify patterns indicative of potential money laundering activities.
• Collaborated with cross-functional teams to address complex issues arising from financial crimes investigations.
• Performed ongoing reviews of customer accounts, identifying changes in behavior indicative of potential money laundering risks.
• Supported management in developing comprehensive AML policies and procedures to ensure regulatory compliance.
• Contributed to the development and implementation of robust AML controls within the organization''s operational framework.
• Enhanced team collaboration with regular communication, sharing best practices, and providing feedback on performance.
• Ensured accurate record-keeping of AML documentation, maintaining organized files for easy retrieval during audits or investigations.
• Reduced false positive alerts through effective implementation of risk-based monitoring systems.
• Maintained up-to-date knowledge about emerging trends in financial crime, sharing insights with team members for continuous improvement initiatives.
• Provided training to colleagues on current AML regulations, enhancing their understanding of compliance requirements.
• Improved reporting accuracy by meticulously reviewing customer profiles and transaction activities.
• Partnered with fraud analysts to research and investigate cases.
• Investigated fraud referrals and performed research to minimize risk and resolve inquiries.

Assessment for credit worthiness and high risk of all on boarding applications.

Internal and external credit assessment of all on boarding applications.

Administration support to the fraud and high toll team.

Credit assessment, Exposure to the IT & Telecom industry, Experience in Veda application assessment systems.

Strong attention to detail, Ability to work in a high volume environment, ability to multi task and prioritise, established communication skills – Verbal & Written, Intermediate PC skills (Word/Excel/BO), Ability to work unsupervised. Established time management skills.

Proprietary Trading of Government Bond Futures.

Generating Income for Propex and myself, from the trading of financial instruments, profiting from the price fluctuations and movements of financial assets caused by global financial policies and politics, financial markets funds flows, fundamental data releases, and global trade.

Ability to understand and interpret central bank, government policies and politics and their effects on certain financial markets, being able to correctly interpret data from multiple sources to ensure trading is executed under acceptable risk profiles, ensuring profitable trading with minimal draw down on capital.

Understanding the effect of interest rate decisions on global economic areas including currency valuations, international trade and cross border asset investing.

Mortgage Pricing Analysts assess & manage all discretionary mortgage pricing requests from the banks mortgage origination network and channels.

The role approves/declines requests or provides alternatives based on assessment of economic and competitive market conditions in line with business objectives.

Adherence to risk, compliance, & behavioral standards.

Development of relationships and increasing customer satisfaction within allocated sales channels, whilst maintaining SLA & Outputs.

Focuses on the customer, delivers results, manages change. Exercises Sound Judgement.

Ability to work within a team. Excellent written and oral communication skills. Strong customer focus.

Understanding of ANZ home loan products, ANZ and non-ANZ distribution channels.

• Analyse, investigate possible fraudulent mortgage applications using bank internal systems and external relationships.
• Knowledge of mortgage operations process, all ANZ mortgage processing systems. Strong analytical skills, attention to detail.
• Enhanced detection capabilities for potential fraudulent activities through regular review of account transactions and patterns.
• Facilitated information sharing among team members through regular meetings and discussions, fostering a collaborative work environment focused on continuous improvement.
• Conducted thorough investigations on suspicious cases, ensuring timely resolution and minimizing financial impact.

Required to provide excellence in customer service and credit/policy advice and recommendation via telephony support, make sound credit assessments in the exercise of a CAD, and adhere to Group Credit Policy, Code of Banking Practice and service level agreements.

Answer all calls and handle all queries from brokers, mobile lenders and branch network staff in a professional manner, whilst observing appropriate Average Handling Times (AHT).

Develop sound relationships with internal customers & staff.

Commitment to developing a customer focused environment and service culture.

Mortgages DLA/CAD Discretion $2.5 Million

Assessing secured mortgage applications that have referred for manual assessment (Where the approve/decline decision cannot be made by system).

Using credit authority discretion to analyse credit worthiness of ANZ secured lending applications.

Utilise sound judgement to determine customer's credit risk by evaluating documents and financial situation to ensure a true and honest representation of the customer's financial ability to service additional debt.

Liaising with a variety of stakeholders, ranging from branch staff, private bankers and relationship managers to achieve a high quality credit decision.

Resolving highly complex customer's issues regarding mortgage applications whilst providing end to end customer service with all applications.

Handling customer's issues/complaints relating to Network mortgage applications and assessment procedures.

Having a strong and technical understanding of a range of simple to complex ANZ credit risk policies.

Liaising with a variety of stakeholders, ranging from branch staff, private bankers and relationship managers to achieve a high quality credit decision.