SHIKHAR SINGH

• Analyse and assess the ML/TF risk cases escalated from NAB and Ubank operations team (Line 1).
• Prepare comprehensive unusual matter report (UMR) narrative in clear and concise manner for cases where suspicious matter report (SMR) is required to be submitted to AUSTRAC.
• Analyse complex financial data and in depth investigation of unusual transactions and account activities to identify potential money laundering, fraud, or terrorist financial risks.
• Collaborated with cross-functional teams (Compliance, Risk Management) to resolve high-risk cases and ensure timely regulatory filings.
• Trained junior analyst on AML investigations techniques, red flag identification and report writing best practice.

• Investigation and reviewing of individual and SME client profiles for transaction monitoring alerts, writing Unusual Matter Report for suspicious activities where required.
• Conduct in-depth customer due diligence (CDD) and enhanced due diligence (EDD) assessments on previous SMR high-risk customers.
• Periodic review of customer profiles, financial activities, and sources of wealth to identify potential risks and suspicious behaviour.
• Keep abreast of changes in AML/CTF regulations and industry best practices to ensure compliance and adapt investigative methodologies accordingly.
• Quality check other analysts case review and upskilling them to ensure there is no knowledge gap.

• Utilising knowledge of operational and compliance risks executing targeted project work to mitigate risk.
• Quality check highly complex client case files of analysts for commercial and personal lending products to validate the approved loans are complaint/non compliant as per ASIC legislation guidelines.
• Oversee risk framework of lending process, assess loans approved by credit managers from origination to settlement and document findings of any discrepancies.
• Involved with the development of coaching and training materials and presenting it to the larger group.
• Working closely with leadership team to streamline process for entire team involved in the project and implement strategies to alleviate problems to ensure work is completed within given timeframe by the client.

• Understanding of BoardRoom's capabilities and
  service, and effectively communicates all offerings
  to the clients.
• Development, implementation and monitoring of
  key account service level agreements with assigned
  clients.
• Managing team of 5 CSA's and ensuring work has been delegated accordingly to meet tight deadlines.
• Report and manage risk related activities within the team through CAMS
• Preparing monthly reports for the services provided for my client's

• Completing Insurance and Super review to assist in preparing advice documents (Statement of Advice [SOA] and Records of Advice [ROA]) across multiple areas.
• Implementing client strategies relating to the setup of super/investment accounts and lodging insurance applications.
• Strategise, research and formulate asset allocations as per the risk analysis for clients and then implement recommended model portfolio's on various platforms such as BT Panorama, Netwealth etc.
• Completing monthly reports for clients such as cash balance reports, investment performance of funds, Insurance policy etc.

• Assisting in data collection and reconciliation for clients' tax lodgements.

Credit Assessor - Commercial/Residential

• Undertaking credit assessment process for all applications throughout Australia including new loan applications, variations, discharges etc.
• Validating securities (such as mortgages, General Security Agreements, Guarantee and Indemnities etc.) to ensure we hold the correct security position.
• Analysing client's financials, property valuations and liase with various parties to obtain outstanding items.
• Preparing credit submissions for new and existing business/consumer clients and pre approval of loans.
• Structure deal for complex commercial credit loans such as trust and smsf accounts.
• Review and ensure the company meets obligations in relation to AML/CTF.
• Perform KYC and customer due diligence investigations and undertake verification checks - onboarding complex entites.

• Reconciliations of all types of novated and operating leases and generating final settlement advice for lease end.
• Compliance checking of signed documents for any type of contract variation within the lease.
• Analysing and investigating discrepancies between contracts and operating systems.
• Calculating and providing quotes to clients for all the restructured contracts.

• Investigation of commercial lending products & reporting findings to Product Controllers.
• Utilized sampling & analysis techniques to identify potential issues & to provide recommendations for improvements & solutions to processes & system issues.
• Completed a full Audit of a batch of loans within the sample to provide assurance of compliance with procedures.

Asset Finance Specialist (Lending)

(Jun 2010 - SEP 2011)

• Settlements and approving of all types of vendor and broker deals
• Dealing with all types of Asset finance products, such as Car finance, Equipment finance, HP, Finance lease etc.
• Detailed compliance checking of signed documents, confirming that all approval conditions have been satisfied.

• Managing Portfolio of HNW client instructions for Managed Fund investments into Unlisted Unit Trusts in a timely manner, using Cosmic and HiPortfolio systems.
• Receipt of Managed Fund distributions and timely payment/ credit to the underlying client.
• Reconciliation of the various internal cash and stock accounts to ensure daily clearance of any breaks.
• Unit holding reconciliation of Internal platforms to external/internal Fund Managers.
• Asset and other static data set up and maintenance on the various internal systems.
• Deliver a more unified solution for the end of month reconciliation.

• Provide professional and proactive support to advisors.
• Support all client queries and monitor investment portfolios.
• Assist with preparation and reporting for client meetings.
• Work collaboratively with client service managers to manage client workflow.

• Processing investment transactions and maintaining the unit holder registers for our client managers, members and investors
• Process payments, receipts and distributions and contributions
• Daily, weekly and monthly reconciliations
• Prepare reports on a daily and periodic basis
• Providing superior customer services