Nur Zulaikha Mohd Ghazali
Anti Money Laundering And Transaction Monitoring Analyst
Selangor, Malaysia
Summary
Proven expertise in AML compliance and customer due diligence, honed at Algbra Group Limited UK and other leading firms. Excelled in legal research and sanctions screening, significantly enhancing transaction security. Demonstrates exceptional investigative techniques and a commitment to improving banking operations, with a talent for fostering positive client relationships.
Overview
12
12
years of professional experience
Work History
Anti Money Laundering Analyst
Algbra Group Limited UK (Remote)
04.2024 - Current
- Review KYC failed applications during the onboarding stage, requesting additional supporting documents to validate information such as residential address and source of funds.
- Conduct document forensics to ensure the legitimacy of documentation by examining all aspects of documents, including metadata and barcodes.
- Monitor transactions from cards, as well as credit and debit transactions received or sent by customers, to ensure all transactions are safe, legitimate, and compliant with financial authority regulations.
- Respond to Fraud Reports and Requests for Information (RFI) from other financial institutions, managing the offboarding process for Anti-Money Laundering (AML) cases in compliance with regulatory standards.
- Process refunds victim refunds and meticulously document and log reports on Suspicious Activity Reports (SAR) and Defense Against Money Laundering (DAML) requests.
- Conduct thorough analysis and communicate with relevant stakeholders to mitigate risks and uphold the integrity of financial transactions, ensuring timely responses to inquiries while maintaining adherence to all legal and regulatory requirements.
KYC and Sanction Analyst
Centauri Services MY(OKX Crypro Exchange)
02.2023 - 03.2024
- Conducted comprehensive customer due diligence (CDD) and thorough background checks, emphasizing sanctions compliance.
- Applied in-depth knowledge of sanctions laws and regulations to assess and mitigate risks associated with customers and transactions.
- Monitored and analyzed customer transactions for potential sanctions violations, ensuring prompt reporting and escalation.
- Implemented and regularly updated KYC policies and procedures in alignment with evolving regulatory requirements.
- Collaborated with cross-functional teams to investigate and resolve high-risk cases while upholding compliance standards.
- Generated comprehensive reports on ongoing KYC activities, compliance status, and identified risks for management and regulatory authorities.
- Provided proactive recommendations for continuous improvement in KYC processes and sanctions compliance measures.
- Advised platform users on OFAC procedures, licensing, and the steps involved in obtaining it.
- Distributed pertinent questionnaires to customers as part of the Enhanced Due Diligence (EDD) process to verify that they did not fall under the category of sanctioned individuals.
KYC Underwriter and Global Fraud Analyst
TDCX Malaysia (Project Under Stripe Payment)
09.2020 - 02.2023
- Examined documentation provided by merchants during the onboarding process, including Photo ID, Address Verification, and legal documentation, to ensure compliance and mitigate fraud risk.
- Monitored ongoing merchant activities to maintain continuous compliance with the company's terms of service, which involved reviewing listed products and services, identifying duplicate websites, and verifying recent business activities.
- Reviewed merchant details to identify potential indicators of fraudulent activity, including the verification of Business Name, Doing Business As (DBA), and email addresses.
- Focused on ensuring that all transactions were free from blacklisted card chargers, card cashers, or predatory businesses, safeguarding Stripe's reputation as a payment processor and preventing unfavorable disputes and chargebacks that could lead to financial setbacks.
- Suspended payouts and transactions to confirmed fraudulent accounts, enabling a thorough review of rejected merchant appeals and evaluating all aspects of the account to make informed decisions.
- Identified high-risk merchants by examining suspected accounts for fraud, money laundering, bankruptcy, liquidation, and other factors that could harm Stripe's reputation as a payment provider.
- Utilized Zendesk and Salesforce to communicate account status updates to merchants effectively.
Merchant Support and Customer Service Officer
Ezypay (iConnect 360 Sdn Bhd)
10.2019 - 08.2020
- Managed a high volume of incoming calls, emails, and tickets from customers, ensuring prompt analysis and responses to inquiries or issues.
- Strived for first-call resolution to minimize escalations to support teams, providing accurate information in Zendesk before and after escalating issues.
- Cultivated productive relationships with callers by offering personalized and consultative education while serving as a liaison between customer support, management, and customers.
- Maintained a consistently positive and professional attitude while handling complaints, providing timely solutions, and ensuring follow-up for resolution.
- Identified and addressed customers' needs, making informed decisions on payment solutions for clients across Australia, New Zealand, and Southeast Asia.
- Prepared comprehensive documentation and reports on routine customer correspondence for future reference.
- Managed and maintained accurate records of customer interactions, ensuring effective communication and collaboration across internal teams.
Protection Services Executive
PayPal Malaysia Sdn Bhd
09.2017 - 05.2019
- Facilitated communication between buyers and sellers, managing expectations, resolving fulfillment issues, and providing customer support to ensure high satisfaction levels.
- Ensured the resolution of fulfillment-related problems and disputes by delivering effective solutions for customer conflicts.
- Contributed to the development and enhancement of existing dispute processes to improve efficiency.
- Managed and reviewed disputes, responding to emails from PayPal customers in a timely manner.
- Assessed the legitimacy of limited PayPal accounts and identified cases where customers needed to resolve issues to restore full access.
- Mediated disputes between buyers and merchants, addressing pending reversals, account restrictions, and claims closures in accordance with PayPal's Consumer Protection Policies.
- Served as a point of escalation for Fraud Investigation matters.
Travel and Lifestyle Consultant
American Express
02.2017 - 06.2017
- Delivered exceptional support to high-end Cardmembers by addressing inquiries regarding exclusive offers for flights, hotels, and holiday packages.
- Created customized travel itineraries tailored to clients' preferences and budgets.
- Provided recommendations for activities, tours, and attractions at various destinations.
- Ensured clear and accurate communication of all bookings to Cardmembers.
- Planned and executed personalized travel experiences by arranging domestic and international flights, as well as car rentals and hotel accommodations.
- Educated clients on new and existing product offerings, highlighting their value proposition and relevance to high-end customers while providing curated recommendations.
- Skillfully de-escalated stressful situations for Cardmembers during unforeseen travel issues.
- Stayed informed about new travel destinations, trends, and emerging travel technologies.
Customer Care Professional (SGCEN)
American Express Malaysia
01.2013 - 01.2017
- Interacted with customers via inbound calls to execute, record, and maintain customer interactions, transactions, and issue resolutions.
- Adhered to company policies and procedures while handling customer interactions, ensuring compliance with relevant regulations and standards.
- Collaborated with internal teams, including Fraud Prevention, Credit Department, and Authorizers, to resolve complex issues.
- Provided feedback to enhance products, services, and processes based on customer interactions.
- Collected and transmitted customer feedback to improve service quality, identifying patterns or trends in inquiries to suggest enhancements.
- Prioritized and managed time effectively to handle a high volume of customer interactions while maintaining a professional and positive demeanor.
Education
Bachelor of Business Administration - Business
University of Hertfordshire
United Kingdom 04.2001 -
Skills
Customer due diligence
Timeline
Anti Money Laundering Analyst
Algbra Group Limited UK (Remote)
04.2024 - Current
KYC and Sanction Analyst
Centauri Services MY(OKX Crypro Exchange)
02.2023 - 03.2024
KYC Underwriter and Global Fraud Analyst
TDCX Malaysia (Project Under Stripe Payment)
09.2020 - 02.2023
Merchant Support and Customer Service Officer
Ezypay (iConnect 360 Sdn Bhd)
10.2019 - 08.2020
Protection Services Executive
PayPal Malaysia Sdn Bhd
09.2017 - 05.2019
Travel and Lifestyle Consultant
American Express
02.2017 - 06.2017
Customer Care Professional (SGCEN)
American Express Malaysia
01.2013 - 01.2017
Bachelor of Business Administration - Business
University of Hertfordshire
04.2001 -
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