Ka Reen Toh
Kuala Lumpur
Summary
Results-driven professional specializing in organizational and analytical excellence. Proven ability to manage multiple tasks efficiently while adhering to strict deadlines. Strong problem-solving skills contribute to enhanced team productivity and successful project outcomes. Quick learner who embraces new challenges with reliability.
Overview
11
11
years of professional experience
Work History
Assistant Vice President – Anti-Financial Crime, Financial Crime Investigator (AFC-FCI)
UOB Bank Berhad
Kuala Lumpur
03.2024 - Current
- Conduct post-Suspicious Transaction Report (STR) reviews to assess risk exposure and recommend appropriate actions, including customer retention or exit strategies.
- Serve as a relief AFC Team Lead, overseeing quality control (checker role) and representing the team in key forum meetings.
- Lead the preparation of monthly group reports for the AFC department and support the development of reporting slides for UOB Singapore presentations.
- Mentor & guide junior staff on investigation cases and processes.
- Represented the AFC Investigation team in Group AML Uplift 2.0, identifying gaps between the Customer Relationship Review (CRR) process and regulatory expectations (MAS & BNM).
- Reviewed updates to UOB’s AML/CFT policies and procedures to assess changes and their impact on the AFC team.
- Selected as Employee Survey Champion, driving initiatives to improve department ratings through internal surveys, feedback analysis, and action plans.
- Founded and led the 'BE Engaged' Committee, managing the annual budget and organizing departmental engagement activities.
- Showcased the AFC Investigation team’s role and key cases in a regional sharing session conducted by the Group.
- Conducted business briefings on the importance of KYC, providing key guidance on site visitations.
- Participated in weekly compliance briefings for Wholesale Banking, enhancing awareness of AML related risks.
Senior Manager
RHB Bank Berhad
Kuala Lumpur
06.2022 - 03.2024
- A member of the Governance & Oversight team under Group AML Practice, a newly set up team under the RHB AML/CFT Capability Enhancement (RACE). Major achievement includes:
- Assist Head of Governance & Oversight to develop a structured secretariat role of AML Sub-Committees and AML Committee.
- Assist Head of Governance & Oversight develop a structured data base for preparation of AML/CFT new wireframe report.
- Assist Head of Governance & Oversight develop a threshold based on the available data and analysis for AML/CFT wireframe reporting to Senior Management and Board.
- Performed oversight by providing support to the other teams within Group AML to ensure the Group AML processes are improved and streamlined based on the business and compliance requirements particularly on Assurance and Monitoring team.
- Develop interim measures to automate the AML/CFT reporting wireframe using Power BI desktop version.
- Major key responsibilities include strategically and operationally support Head of Governance & Oversight on AML/CFT day to day issues, governance, AML/CFT monthly reporting, secretariat function for AML Committee, AML Risk Assessment (AMLRA) and oversight role on GAML process.
Compliance Assistant Vice President
United Overseas Bank, UOB
Kuala Lumpur
01.2018 - 06.2022
- Was a member of the AML/CFT system Surveillance team under Country Compliance in 2018. Responsible for managing the AML/CFT related systems and other ad-hoc queries on data from regulator (BNM/MIS) and Group Compliance when required. Primary responsibilities are:
- Review and manage user access matrix for system administrated by Compliance.
- Conduct half yearly review of ID & Menu Access Rights for Compliance Department.
- Act as liaison person to investigate reported error/discrepancies in AML related system.
- Conduct periodical review on CTR and transactions monitoring system exception reports.
- Maintain and update parameter for system administrated by Compliance.
- Conduct periodical threshold tuning exercise on transaction monitoring system.
- Participate in system enhancement that impact Compliance related system.
- Act as a liaison party with Group Compliance, Group and Head office Business Technology System on the system enhancement.
- Raise Change request and participate in the system enhancement testing, i.e. preparation of test script; coordinate and conduct UAT testing; conduct data validation/verification; regression testing.
- Conduct analytical review on data as requested by BNM/Group/ Senior Management.
- Attend to ad-hoc queries on data from regulator and Group Compliance, as and when required.
- Provide accurate MIS reporting data and/or MIS queries to Senior Management, Head office and regulator.
- Report incidents related to AML/CFT related systems.
- Participate in yearly budgeting related to systems.
- Participate in Disaster Recovery Exercise.
- Thereafter joined the Compliance Review and Testing team under Country Compliance in 2019. Responsible to ensure compliance with laws, rules, regulations, guidelines and standards as well as to provide independent assurance to UOBM Board of Director and Senior Management. Involves a wide spectrum of areas of applicable banking and regulations such as the Financial Services Act 2013, AML/CFT, consumer protection, data privacy/protection, rate-fixing ethics/integrity and related regulations issued by both bank and non-bank regulators. Key Responsibilities includes:
- Plan and conduct regulatory compliance review to assess the level of compliance with applicable laws, regulations and guidelines (AML/CFT) as well as other non-AML/CFT regulations) mandated by local and overseas regulators such as Bank Negara Malaysia and Monetary Authority of Singapore (MAS) which may affect UOBM operations.
- Provide assurance on compliance with AML/CFT, regulations and controls by examining and analyzing records, reports, operating procedures and documentation as well as recommending corrective action plan to strengthen the internal controls.
- Provide recommendation or resolution to issues highlighted.
- Communicate the compliance review findings by providing reports to the relevant stakeholders and senior management.
- Track the progress of the corrective action plan and validate the resolutions.
Project Analyst
Maybank Berhad
Kuala Lumpur
08.2017 - 11.2017
- A member of the MFRS 9 Automation team responsible for the functionality and availability of the newly incorporated system. Working closely with relevant business units to ensure the fit and proper understanding and alignment of the new system with business requirements. Other responsibilities include:
- Designing of test scripts for users to test the functionality and accuracy of the system.
- Develop SQL code scripts to extract reports from the system.
- Appointed as Defect Manager which responsibilities includes retesting and reconciling all defects raised by users and uploading defects and assign them to respective developers.
- Monitor updates on the defects and return comments to respective users.
- Involved in system interface testing which includes testing the completeness and accuracy of the data inputs.
- Appointed as acting supervisor for Skim Latihan 1Malaysia (SL1M) trainee responsible for allocating task and providing guidance.
Senior Associate
Deloitte
Kuala Lumpur
10.2014 - 07.2017
- Conduct annual audits of companies for various manufacturing and service industries such as Honeywell Group, Starasia Malaysia Sdn Bhd, Bisley Trading Malaysia Sdn Bhd, Sincere Watch Sdn Bhd, British Council Malaysia, Prometric Technology Sdn Bhd and Ortech Malaysia Sdn Bhd. Responsibilities include:
- Plan and conduct operational and financial audits to assure financial statements are fairly presented in alignment with IFRS and disclosure requirements.
- Supervise field engagements and auditing assignments to ensure audit staff are aware of clients' business and relevant issues impacting operations and audits.
- Analysed, reviewed, and assessed reliability and fairness of clients' financial statements by identifying and assessing risks of material misstatement of financial reports due to fraud; communicate suspected fraud to senior managers.
- Design and implement responses to material misstatements, test appropriateness of journal entries, review accounting estimates for bias, and analyse significant unusual transactions.
- Tested internal controls to ensure effectiveness and generated comprehensive reports on audit findings and recommended internal control improvements to enhance organizational efficiency and support client service and growth targets.
Education
Chartered Banker -
Asian Institute of Chartered Bankers (AICB)
01.2025
Associate Chartered Banker -
Asian Institute of Chartered Bankers (AICB)
01.2024
Professional Banker -
Asian Institute of Chartered Bankers (AICB)
01.2022
Certification in Regulatory Compliance -
International Compliance Association (ICA)
01.2021
Advanced Certification in AML & CFT -
International Compliance Association (ICA)
01.2021
Certification in AML & CFT -
International Compliance Association (ICA)
01.2019
Bachelor of Business and Commerce - Accounting and Banking & Finance
Monash University
01.2014
Monash University Foundation Year -
Sunway University
01.2009
Skills
- Risk Management
- Problem Solving
- Advanced critical thinking
- Microsoft tools (Word, Excel, Power Point and Power BI)
- Management Reporting
- Data Analytics
- Teamwork skills
- Project management
Affiliations
Chartered Banker of Asian Institute of Chartered Bankers (AICB)
Languages
- English
- Mandarin
- Cantonese
- Malay
Specific Skills Strengths
- Risk Management
- Problem Solving
- Advanced critical thinking
- Microsoft tools (Word, Excel, Power Point and Power BI)
- Management Reporting
- Data Analytics
- Teamwork skills
Timeline
Assistant Vice President – Anti-Financial Crime, Financial Crime Investigator (AFC-FCI)
UOB Bank Berhad
03.2024 - Current
Senior Manager
RHB Bank Berhad
06.2022 - 03.2024
Compliance Assistant Vice President
United Overseas Bank, UOB
01.2018 - 06.2022
Project Analyst
Maybank Berhad
08.2017 - 11.2017
Senior Associate
Deloitte
10.2014 - 07.2017
Chartered Banker -
Asian Institute of Chartered Bankers (AICB)
Associate Chartered Banker -
Asian Institute of Chartered Bankers (AICB)
Professional Banker -
Asian Institute of Chartered Bankers (AICB)
Certification in Regulatory Compliance -
International Compliance Association (ICA)
Advanced Certification in AML & CFT -
International Compliance Association (ICA)
Certification in AML & CFT -
International Compliance Association (ICA)
Bachelor of Business and Commerce - Accounting and Banking & Finance
Monash University
Monash University Foundation Year -
Sunway University
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