Miira Yasmeen

Implement and account manage Corporate Card solutions (such as Travel & Entertainment Card, Purchase Card, Central Travel Account and Virtual Card Account) for Citi’s top tier public and private entities such as Amazon, Diageo, Johnson Controls, Mondelez, Stanley Black & Decker and Traveloka across Asia Pacific region.

Roles & Responsibilities:

• Liaison between clients and cross-functional internal teams (such as Product, Legal, Operation and Service) to ensure timely and successful delivery of our solutions as per client needs.
• Manage project deliverables, action items, risks and issues by chairing regular discussions with internal and external stakeholders (including senior partners) to provide regular project status updates and to ensure the project rollout meets client’s timelines.
• Review all project documentations (including contracts) for the purpose of setting up the Corporate Payment Cards program to ensure compliance with all audit, regulatory and compliance directives.
• Responsible for overall delivery of the product to the client including technical integration, data feed profile setup, host-to-host automation, API integration, batch transmission and other complex system or platform dependent needs as per client specific custom requirements.
• Provide training to clients on product capabilities, operational and service procedures both face to face and remotely.
• Work closely with Product and Sales Managers on cross selling, client pitches and support RFP preparation to provide implementation related insights on clients managed.

Key Achievements:

• Led the transformation of client experience in card application process across Asia Pacific region, which is part of a Citi global project to streamline end-to-end processes in cards implementation.
• Led the first cross platform card migration project for one of Citi’s globally renowned client in Asia Pacific region, which had a success run rate of 98%.
• Consistently awarded “Very Satisfied” by clients managed as part of the Citi Voice of Client Survey which is sent post every implementation completion in gauging customer experience.
• Identified and solved issues with system integration and product usage.

Implement the Customer Due Diligence (CDD) project within the Commercial Banking and Global Banking and Markets divisions of the HSBC Group for countries across the Asia Pacific region, which is part of a large Global program driven out of the United Kingdom called Global Standards.

Subject Matter Expert on the process and procedures around Quality Check and Quality Assurance of the CDD workflow, which was built to ensure 0% error in the end-to-end CDD processing.

Roles & Responsibilities:

• Manage risks and issues by chairing regular meetings with all Country Business Analysts to provide regular updates and transparency of project status, functional specifications in-scope and deployment strategy.
• Work closely with Country key stakeholders to identify country specific business requirements as well as regulatory requirements and coordinate with various Regional or Global key stakeholders to contribute to the overall delivery of the project in the country while maintaining focus on the Global program’s primary objectives, which is to streamline CDD globally.
• Review and endorse all key artifacts (i.e.
• Business Requirement, System Configuration, Deployment Approach, Process Maps, UAT Test Scripts, Instruction Manuals) prepared by the Country Business Analysts prior to Regional as well as Global parties review and sign-off for in-country deployment.
• Work closely with the Regional testing team in ensuring the Business System Integration testing as well as the Country Configuration testing are as per the country requirements by managing amongst others, data preparation, test scripts regionalization, system configurations, defect investigation and management and workarounds.

Key Achievements:

• Awarded the “Stakeholder Recognition Award” at HSBC in September 2015.
• Promoted from being Country Business Analyst to Regional Business Analyst overseeing various countries across the Asia Pacific region within 5 months of joining the CDD project team.
• Successfully brought 8 countries to the successful implementation of the CDD Project, where amongst others, User Acceptance Testing, Defect Management, Workaround, Process Maps and Desktop Instruction Manuals were certified completed as planned and with minimal / no support required from the Project team at BAU.
• Designed specific CDD business processes for the Global Banking & Markets division, which would retrofit in to the Commercial Banking division processes irrespective of the geographic location and regulations of a particular country and identify appropriate business and functional requirements for these countries with small Global Banking & Markets presence in the Asia Pacific region.
• Contributed to success of client's organization by improving processes and systems.
• Determined areas for improvement and implemented processes to alleviate problems.

Roles & Responsibilities:

• Formulate and advise on the structure, timing and organization of the Islamic securities program including the terms and conditions of the Islamic securities program.
• Review and coordinate the legal and financial due diligence process jointly with the appointed legal counsel and reporting accountant respectively.
• Review all documents (including the Information Memorandum i.e.
• The investor’s information material) prior to submission for approval to the Securities Commission, Central Bank and other applicable government regulatory body for the emplacement of Islamic securities program and placement and distribution of the Islamic securities to be issued under the Islamic securities program.
• Liaise with the relevant regulatory authorities for approvals and rating to secure the target rating for the Islamic securities program.
• Coordinate and manage the distribution process for the Islamic securities including assisting to formulate an optimal selling and marketing strategy and conducting investor roadshows.

Key Achievements:

• Proposed and structured an Islamic debt transaction for Société Générale, a well known financial institution in France through establishing close working relations with its senior management, regulatory authorities, legal advisers and rating agencies.
• Arranged the Sukuk Wakalah Program of up to RM1.0 billion in nominal value for Riyadh-based Al Bayan Holding, the first Saudi Arabian company to issue an Islamic bond in Malaysian ringgit.
• Led the formation of the facility agency role at Hong Leong Islamic Bank Berhad to facilitate the issuance, placement and distribution of the securities to be issued under the relevant transactions.

Roles & Responsibilites:

• Draft financing proposals for prospective clients after assessing companies’ financial performance to serve its debt funding needs holistically.
• Formulate an appropriate transaction structure including principal terms and conditions for the debt securities program.
• Perform cash flow simulations for projects - build sensitivity analysis, review financial viability and bankability of the project and establish the funding structure.
• Liaise with Securities Commission, Central Bank, rating agency, legal advisers, reporting accountants and clients throughout the arranging process to ensure successful execution of the debt securities program.
• Credit evaluation and preparation of credit reports for approval and/or review of existing credit facilities.

Key Achievements:

• Orchestrated two back-to-back debt transactions of RM600.0 million and RM200.0 million respectively for the financing of a retail mall and officer tower in KL Sentral through a private placement to, amongst others, the Employee Provident Fund, one of the largest institutional investors in Malaysia.
• Successfully built a cash flow model to capture the financing receivables for a RM1.0 billion Structured Covered Bond Program for the purpose of effectively structuring the debt and ring fencing the receivables.

• Conducted workshops and training at local companies to introduce the key principles of the “Go-To-Market” strategy and to initiate the setup of local companies as Fully Enabled Independent Local Companies in order to streamline processes and resources.
• Nonconformance costs between local companies and headquarters were reduced by 2% within a year of strategy implementation.