De Yuan Mah
Assistance Vice President, KYC Due Diligence
9, Jalan Denai Selatan, Southlake Terraces, Desa Parkcity, 52200 Kuala Lumpur
Summary
Experienced manager with proven expertise in leading high performing teams, optimizing CDD/EDD processes and ensuring regulatory adherence. Adept at senior stakeholder engagement and strategic initiatives to enhance operation efficiency. Experience includes developing and implementing AML and KYC policies, training staff, and conducting due diligence assessments on customers and transactions to detect and prevent financial crimes.
Overview
7
7
years of professional experience
7
7
years of post-secondary education
Work History
Assistant Vice President, KYC Due Diligence
Citigroup Transaction Services (M) Sdn. Bhd.
06.2024 - Current
- Assist Citi on KYC efforts in accordance to the CBSU AML KYC Ops procedures
- Client Identification, Verification and Screening
- Perform KYC, transactions and product usage reviews and ensure documentation comply with local regulation and Citi standards KYC reviews (Scheduled & Unscheduled Reviews for Client types across varied risk classes) including monitoring and tracking of KYC records, assisting with the development and execution of action plan for expiring records, and ensuring records are not past due Information such as customer’s address, employment (including employer), connectivity to PEP/SPF (Sanctions Screening), will be validated and confirmed. These will be validated based on existing information available or through approved third party sites. Based on the results, enhanced due diligence checks will be performed which include negative news and social media checks
- Partner with internal units to ensure adequate due diligence process is carried out for customer accounts and documentation reviews
- Send the requests to Outreach/RM for accounts where information is required to complete the review.
- Any suspicious product usage from AML perspective gets highlighted to senior management for further reviews promptly
- Ensure to get Quality Control (QC) review done on files prior to submission and respond/correct any discrepancies identified during QC reviews
- Chair and consolidate Bi-Weekly team meetings, ensure alignment and actionable outcomes.
- Actively host cross functional meetings to bridge gaps between the team (eg. District Manager Approvals, Bankers Returns), enhancing team efficiency.
- Generate daily case aging reports (>180 days) and maintain trackers to monitor resolution progress.
- Train Quality Control and Maker teams. Conduct ad hoc team-wide training for new policies and procedures.
- Led maintenance of the CBSU-wide RM Outreach Tracker, a critical tool for senior management reporting; streamlined processes to enhance data visibility and stakeholder accountability.
Manager, Anti-Money Laundering (AML) Analyst
Hong Leong Bank Berhad
09.2023 - 05.2024
- Leading the team of executives in identifying, assessing and mitigating money laundering and financing terrorism risks for the Bank.
- Implementation of anti-money laundering (AML) compliance policy as set out by the bank and report of suspicious activities during transaction monitoring.
- Support ongoing reviews on customer profiles and perform updates on critical / mandatory information to allow the assessment of Customer Risk Rating.
- Perform and supervise review on new/existing customer profile maintenance and records of AML risk rating customers to provide checker / approvals.
- Liaise with branches and various departments to ensure compliance to the relevant internal policies and requirements on data hygiene and normalizing efforts.
- Perform assessment in name screening of foreign customers before on-boarding and ensure discretion in handling confidential customer information and documents.
- Adopt and implement the best practices to improve governance and service level relating to branch operations following anti-money laundering (AML)
Compliance AML Execution Analyst 2
Citigroup Transaction Services (M) Sdn. Bhd.
08.2021 - 05.2022
- Conduct investigations and research on potentially suspicious clients using various internal and external systems and databases
- Conduct Cross Sector reviews among multiple Citi business lines.
- Document and report the review/investigation findings and prepare case files with the required supporting documentation
- Summarize, in writing, clear and concise findings of the investigation
- Advise senior management on next steps and provide recommendations on the next course of action (relationship retention, termination, Suspicious Activity Report (SAR))
- Manage risk by analyzing the root cause of issues and impact to business
- Has the ability to operate with a limited level of direct supervision.
- Can exercise independence of judgement and autonomy.
- Acts as SME to senior stakeholders and /or other team members.
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
Compliance AML Execution Analyst 1
Citigroup Transaction Services (M) Sdn. Bhd.
06.2020 - 08.2021
- Conduct investigations and research on potentially suspicious clients using various internal and external systems and databases
- Conduct Cross Sector reviews among multiple Citi business lines.
- Document and report the review/investigation findings and prepare case files with the required supporting documentation
- Summarize, in writing, clear and concise findings of the investigation
- Advise senior management on next steps and provide recommendations on the next course of action (relationship retention, termination, Suspicious Activity Report (SAR))
- Manage risk by analyzing the root cause of issues and impact to business
Compliance AML Execution Spec 5
Citigroup Transaction Services (M) Sdn. Bhd.
07.2018 - 06.2020
- Assist with the investigations and research on potentially suspicious clients using various internal and external systems and databases
- Document and report the review/investigation findings and prepare case files with the required supporting documentation
- Work with AML team to summarize, in writing, clear and concise findings of the investigation
- Advise senior management on next steps and provide recommendations on the next course of action (relationship retention, termination, Suspicious Activity Report (SAR))
- Assist AML team with managing risks by analyzing the root cause of issues and impact to business
Education
Certified Practising Accountant -
Australia
05.2022 - 09.2023
Bachelor of Business and Commerce - Accounting and Finance
Monash University, Malaysia Campus, Sunway
06.2013 - 12.2017
Canadian Pre-University Programme - undefined
Taylor's College, Subang Jaya
03.2012 - 06.2013
Skills
Operations management
Accomplishments
- Assisting Senior Vice President and Vice President in team leading execution for both business support team and sky branch team achieving more than 150% increase in productivity targets.
- Multiple stakeholder meeting with managing directors in Singapore and United States addressing KYC team maker and checker concerns.
- Expertise in all types of KYC scenarios that includes individual cases, small medium enterprise cases and SPF cases.
- Star performer of the month (September 2020)
- 2 times case of the month winner [November 2019 (Case Maker and November 2020 (Case Checker)]
- Produce monthly capacity planning for GCG India Citibiz Cluster to ensure SLA deadline is met.
- Merging program taskforce for GCG India Consumer Cluster and GCG India Citibusiness Cluster.
- Conducted multiple trainings related to Knowledge Management Tool, India specific items (India Job Aid, India Local Procedures) to onboarding new hires and cross supporters (ICG Taiwan and ICG Australia)
- Case Reviewer for special scenario (Non-Profit Organization, Senior Public Figure, Trade Based Money Laundering and Structuring MI, CAMBR6 6 Payment Intermediary, ICG Payment Intermediary)
- Actively participating in Citi events (Money and Me programme, Citi AML Badminton Tournament, captain for GCG India team building)
Timeline
Assistant Vice President, KYC Due Diligence
Citigroup Transaction Services (M) Sdn. Bhd.
06.2024 - Current
Manager, Anti-Money Laundering (AML) Analyst
Hong Leong Bank Berhad
09.2023 - 05.2024
Certified Practising Accountant -
Australia
05.2022 - 09.2023
Compliance AML Execution Analyst 2
Citigroup Transaction Services (M) Sdn. Bhd.
08.2021 - 05.2022
Compliance AML Execution Analyst 1
Citigroup Transaction Services (M) Sdn. Bhd.
06.2020 - 08.2021
Compliance AML Execution Spec 5
Citigroup Transaction Services (M) Sdn. Bhd.
07.2018 - 06.2020
Bachelor of Business and Commerce - Accounting and Finance
Monash University, Malaysia Campus, Sunway
06.2013 - 12.2017
Canadian Pre-University Programme - undefined
Taylor's College, Subang Jaya
03.2012 - 06.2013
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