Shuhashine (Shuha) A
Summary
An experienced Financial Professional who possess almost eighteen years’ experience within banking and gained knowledge in Client service Corporate Banking, Anti money Laundering, matching PEPs(Political Exposed Person) to customer, Review and actioning the “Threshold Transaction Reports(STR)”, Review and updating CDD(Customer Due Diligence),Investigating and submitting SMR(Suspicious Matter Report) to AUSTRAC, Foreign exchange, International (IFTI) and domestic payment services,(RTGS), SWIFT , Retail banking and Call centre customer service. Completed Graduate Certificate In Fraud Investigation.
Overview
22
22
years of professional experience
Work History
Fraud Investigation Specialist
HSBC BANK AUSTRALIA
01.2024 - Current
- Conducting investigations on different fraud typologies, including but not limited to Mule/Pass-through, Scams, Application, Payment Fraud. Take immediate action to mitigate risks on accounts linked to fraudulent activity, Maximise loss recovery and minimise risk exposure by taking prompt action where required.
- Contact customers directly during the investigation if needed, provide customer care if required. Engage with internal stakeholder to identify operational gap and fraud risk control, notify internal stakeholders on the case progress and prioritisation if needed.
- To complete the fraud investigation case within designed SLA, Identify and promote appropriate action within the Bank to continually improve the fraud target operation model through testing.
- Involved in a project where Mass Exit of mule customers and managed offshore team of 8-10 people.
- Involved in FRX project and working with FRX requests received from other Financial Institutions.
- Key Achievement: In recognition of multitasking, managed offshore team 8-10 people (3 months) when involved in project for Mass Exit Of Mule Customers
COMMUNITY FIRST BANK
11.2022 - 12.2023
- Undertaking monitoring and reporting on all compliance matters pertaining to Community First Bank.
- Preparing and submitting monthly RAS and leadership reports to Chief Risk Officer.
- Preparing and submitting BRC Reports for every quarter to the Leadership Team.
- Recording and QA reviewing SMR Reports submitted to AUSTRAC by the operations team.
- Recording the AFCA complaints and sending it to respective teams to requesting for resolution. Following up with the due dates to submit them to AFCA portal on timely manner.
- Administer their risk-based compliance management system (Protecht) and maintain the necessary operational compliance reporting registers.
- Access to add/remove users in AUSTRAC portal, also have access to purchase compliance products in GRC solutions/COBA.
- Review and update the relevant policies related to risk and compliance.
- Reviewing the BCP testing policy and test annually.
- Key Achievement: In recognition of my reporting skills I was involved in CPS230 project on preparing documents to third party vendors.
Compliance Officer- Financial Economic Crime Compliance Team - 2nd Line of Defence
ING BANK AUSTRALIA LTD
01.2021 - 08.2022
- Investigating the AML/CTF alerts referred to the compliance team from the 1LoD in a timely manner and providing advice to the business units in consultation with the MLRO.
- Submit Suspicious Matter Reports in accordance with AUSTRAC reporting requirements.
- Providing quality checking, coaching and support, helping Transaction alert handlers to develop required TM skills.
- Adapting to different style of banking and terminologies as ING is a European Bank.
- Review documentation of identification, employment to prevent fraud, money laundering and scams.
- Strategies and findings to enhance time management and to maximum productivity.
- Assess compliance according to anti-money laundering and counter-terrorism financing laws.
- Training 1st Line staff and junior team members on evolving typologies.
Quality Assurance Specialist First Line Monitoring, First Line Risk And Security Team 1LoD
RABO BANK AUSTRALIA
03.2019 - 12.2020
- Reviewing on Analysts Country banking and Rabo Direct banking Clients on-boarding and KYC Refresh files for quality and accuracy.
- Ensuring the on boarding team, Transaction monitoring team and refresh team maintains a low defect and re-work rate.
- Conduct reviews and provide feedback on team members’ work to ensure that it meets or exceeds agreed quality standards.
- Liaising directly with Group Financial Crimes, Line 1, Line 2 and Audit regarding testing and policy.
- Ensuring controls are appropriately executed and evidenced and staff are aware of their responsibilities at different stages of the preparation and review process.
Quality Assurance Specialist-Institutional Banking & Marketing Customer Due Diligence /Know Your Customer (CDD-KYC)
COMMONWEALTH BANK OF AUSTRALIA
09.2018 - 02.2019
- Reviewing on Analysts Institutional Banking and Marketing Clients on-boarding and KYC Refresh files for quality and accuracy.
- Ensuring GCO(Global Client on-boarding Team) maintains a low defect and re-work rate.
- Provide technical support and coaching to team members to act as a subject matter expert across on boarding processes and KYC requirements.
- Conduct reviews and provide feedback on team members’ work to ensure that it meets or exceeds agreed quality standards.
- Liaising directly with Group Financial Crimes, Line 1, Line 2 and Audit regarding testing and policy.
- Identifying, coordinating and undertaking any projects to lead change to improve process and applications of FCC(Financial Crime Compliance) policies and procedures, including necessary enhancements.
Case Manager –Customer Due Diligence (CDD) (Commercial Management Business-Middle Office)
HSBC BANK
11.2016 - 08.2018
- Support the RM(Relationship Managers) in managing the on-boarding of Institutional Banking clients using CRT(Client Review Tool) including ensuring HSBCnet or other suitable channel is enabled. Manage the client experience throughout the process, maintaining the highest standard of excellence in customer service and answer client queries as and when they arise.
- Ensure CDD data completeness and accuracy is within Risk Appetite (an overall segment QA Quality Score >97%); and On time review and completion of any local, global or Financial Crime Compliance (FCC) directed client remediation and de-risking activities.
- Investigate escalation of unusual activity (UAR) and/or financial crime concerns (including sanctions, money laundering and bribery & corruption) followed by collaborative work with Financial Crime Compliance (FCC) colleagues to mitigate risk; Timely adherence to customer exit procedure;
- Operating in compliance with processes and controls as specified in the desktop instruction manuals, identifying and adhering to internal policies and standards, for example Personal Account Dealing, Conflicts of Interest disclosure; and all applicable laws and regulatory rules and requirements;
Client Account Manager (Global Liquidity and Cash Management (GLCM) - Client Service Team)
HSBC BANK
10.2013 - 10.2016
- Provide day to day transactional banking support to Institutional Banking clients and act as a single point of contact for the assigned companies.
- Identify trends in a Client’s transaction banking activities and working with the client to improve those trends.
- Build and maintain collaborative working relationships with Relationship Managers, Internal Stakeholders and Business Partners to support assigned clients daily service activities.
- Investigate SWIFT payment queries such as recalls, traces, and rejections complex for Institutional Banking Clients.
- Processing any account maintenance for Tier 1, 2 and 3 Institutional Banking clients such as Account closures, signature maintenance, third party cheque indemnity, stop cheques, standing instructions etc.
- Manage any incoming complaints/escalations relation to client service and complex HSBCnet support from both internal and external stake holders.
- Key Achievement: - In recognition of my job performance I was offered with a fulltime job joining the organisation within 3 months.
AML Specialist
WESTPAC GROUP
09.2012 - 09.2013
- Responsible for the taking inbound calls from the Network to ensure that all organisational customers onboarded across the St George group accurately in line with the ST George ID&V guide.
- Providing authorisation number to the branch land staff prior to open the organisational customer accounts after the documentation been checked.
- Analysis and check quality assurance of Know Your Customer (KYC) and AML ID&V compliance documentation and information that is collected for organisational customers.
AML/CTF & Sanctions Project Officer
12.2012 - 03.2013
- Detecting and investigating serious and complex matter of AML/CTF Cases, utilising and effective methods of evidence gathering in line with AUSTRAC Standards.
- Preparing Exit letters for customers and following up on sending them within 28 days frame.
- Key Achievement: - In recognition of providing excellent services for internal and external stake holders awarded with a Star Award.
Senior Investigation Analyst (Financial Intelligence Operations)
ANZ Bank
06.2009 - 07.2012
- Support the delivery of Enhanced Customer Due Diligence (ECDD) required to meet AML/CTF Legislation-
- Undertake initial stages of ECDD(Enhanced Customer Due Diligence) investigation for Money Laundering(ML) cases forwarded from Alert Management Team and identified by ANZ frontline staff; Review customer history; Gather background information for customer
- Conduct traces of customer activity to confirm legitimacy. Populate a Suspicious Matter Report (SMR) if suspicious activity is confirmed. Forward populated SMR (Suspicious Matter Reports) directly to the regulator AUSTRAC.
- System for all steps of ECDD undertaken. Ensure all alerts are actioned in appropriate manner within agreed procedure standards
Analyst- (Financial Intelligence Operations)
ANZ Bank
04.2009 - 05.2009
- Populate & submission of Significant Cash Transaction Reports (SCTR currently known as TTR ) received from branches across Australia.
Team Member (Value Resolution Team)
ANZ Bank
04.2008 - 04.2009
Senior Banking Analyst
Nations Trust Bank(American Express)
04.2004 - 05.2007
- Managed 6 Team member in Central Operations Team for incoming Payments (IFTS)
- Involved in Nostro Vostro Reconciliation for Foreign Payments
- Involved in oncoming SWIFT payments on sorting messages to other teams(MT 202, MT103, MT950,MT 940 etc)
- Managed FRX Branch as a teller and Supervisor in Exchanging Foreign Currencies, Issuing and exchanging Travellers Cheques
Trainee Banking Analyst
Nations Trust Bank(American Express)
02.2003 - 04.2004
- Handled Customers as a Main Branch Teller.
- Involved in ATM Cash Balancing, Branch General Ledger Balancing.
- Processing Credit card.
- Branch Vault Cash Balancing.
- Key Achievement: I was able to identify a Fraudulent activity was conducted by my Branch Manager and was brave enough to inform the bank internal Audit Team which turned out be a Massive finding One. Hence, I was double promoted as a Senior Banking assistant within 1 years’ time of joining the Bank.
Education
GRC Solutions
11.2023
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ACAMS
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Institute of Bankers of Sri Lanka
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International Compliance Association- ICA UK
01.2015
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University of Latrobe- Australia
01.2011
Skills
- - Strong knowledge of AML / KYC regulatory and compliance particularly in institutional banking customers, to ensure our KYC standard is compliant with local regulatory requirement
- - Wide Understanding of AML/CTF Part A And Part B and AML/CTF Act 2006
- - Quality Assurance & Risk Management
- - Excellent communication skills (verbal and written) as ability to draft on boarding customers risk grading summary & able to interact with relationship manager to facilitate KYC record completion
Accomplishments
- Supervised team of 8-10 off shore team members for a mass mule exit project.
- Achieved Ongoing Customer Due Diligence for High profile UBO own entities by introducing new ID rule for institutional customer ongoing due diligence tasks.
Languages
English
Full Professional
Timeline
Fraud Investigation Specialist
HSBC BANK AUSTRALIA
01.2024 - Current
COMMUNITY FIRST BANK
11.2022 - 12.2023
Compliance Officer- Financial Economic Crime Compliance Team - 2nd Line of Defence
ING BANK AUSTRALIA LTD
01.2021 - 08.2022
Quality Assurance Specialist First Line Monitoring, First Line Risk And Security Team 1LoD
RABO BANK AUSTRALIA
03.2019 - 12.2020
Quality Assurance Specialist-Institutional Banking & Marketing Customer Due Diligence /Know Your Customer (CDD-KYC)
COMMONWEALTH BANK OF AUSTRALIA
09.2018 - 02.2019
Case Manager –Customer Due Diligence (CDD) (Commercial Management Business-Middle Office)
HSBC BANK
11.2016 - 08.2018
Client Account Manager (Global Liquidity and Cash Management (GLCM) - Client Service Team)
HSBC BANK
10.2013 - 10.2016
AML/CTF & Sanctions Project Officer
12.2012 - 03.2013
AML Specialist
WESTPAC GROUP
09.2012 - 09.2013
Senior Investigation Analyst (Financial Intelligence Operations)
ANZ Bank
06.2009 - 07.2012
Analyst- (Financial Intelligence Operations)
ANZ Bank
04.2009 - 05.2009
Team Member (Value Resolution Team)
ANZ Bank
04.2008 - 04.2009
Senior Banking Analyst
Nations Trust Bank(American Express)
04.2004 - 05.2007
Trainee Banking Analyst
Nations Trust Bank(American Express)
02.2003 - 04.2004
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ACAMS
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Institute of Bankers of Sri Lanka
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International Compliance Association- ICA UK
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University of Latrobe- Australia
GRC Solutions
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