1. RINAS SALEEM
Address: 323 Karama, Al Attar building, Dubai, UAE
Contact: +971 56 5398644
Email: rinas.ks@gmail.com
LinkedIn: https://ae.linkedin.com/in/rinas-k-s-9b794353
CUSTOMER DUE DILIGENCE | KYC ANALYSIS | BANKING & FINANCE PROFESSIONAL
PROFESSIONAL SYNOPSIS: A diligent finance professional with over 4 years of experience in banking and finance,MIS
management, KYC analysis, client engagement, process compliance management and customer due diligence. Acquired solid
experience in working with numerous banking clients, including Mashreq Bank / NBAD/ WAFRA Investment company and
gained understanding in creating and maintaining Commercial Banking (CMB) customers’ Know Your Customer (KYC) profiles
in compliance with HNAH Anti-Money Laundering (AML)/Bank Secrecy Act (BSA) policy and CMB’s Line of Business (LOB)
procedures. Demonstrated strengths in determining & documenting enterprise wide risk management procedures for an
organization and identifying key control point.
Key Skills
 KYC Analysis
 Finance & Banking
 Compliance Management
 Data Management
 MIS Management / Analysis
 Quality Control
 Financial Planning & Analysis
 Document Management
 Client Due Diligence
 Process Improvement
 Customer Service
 KYC Risk Management
PROFESSIONAL SNAPSHOT
 Hands on experience in completing initial customer due diligence, collecting and reviewing business documentation and
communicating with the front office to facilitate in collection of required customer information
 Skilled in reviewing business documentation and other additional information provided by the line of business to ensure
customer files are up-to-date and in compliance with statutory and organizational requirements
 Well versed in client on boarding, performing CDD/ GIC Review, Document Management, MIS & Process Insights with
proven knowledge of compliances, KYC, CDD, FATCA, UBO and Name Screening
 Meticulous in performing risk evaluation, providing SME guidance / input to the business on how to evaluate KYC risks,
extraction of Data using Business object tool and IBM Systems
 Abilities in ensuring compliance, operational risk controls in accordance with the banking norms or regulatory standards
and policies; and optimizing relations with regulators by addressing any issues
 Hold significant understanding in driving efforts to minimize the risks by reviewing its advertising, product or service
communications, personnel policies, notices and disclosures for compliance
 Acquired experience in performing KYC for DB adopted clients (NCA, Extended and Periodical Review Request), and
coordinating with the business, clients, Onshore and AML Team to collate KYC information
 Keeping abreast with the laws and industry regulations with the abilities in recommending suggestions to the Management
on any changes that may be necessary to comply with new requirements
CAREER TRACK
Since Sep 2015: Epsilon Global Consulting as Analyst
Jul 2014 – Aug 2015: Tesco Plc as Accounts Executive (FP&A)
Jun 2012 – Jun 2014: Thomson Reuters as Content Verification Analyst (Financial Service Provider)
ACHIEVEMENTS
 Hold credentials in remediating KYC for the base of 11000 retail customer within a short span of 6months whilst working
on a project with Mashreq Bank
 Made significant contribution in achieving a saving of AED 75000 during the 6 months of KYC remediation for a project
 Instrumental in streamlining the MIS reporting process and automated it, thereby improved process effectiveness and
operational excellence at Mashreq Bank
 Awarded with “Star performer of the Month” for making vital contribution in streamlining and automating Poland Yearly
reports whilst working at Tesco
 Received Top gun award for rectifying duplicates in the system and resolving it while working at Thomson Reuters
DOMAIN SKILLS
 Establishing procedures and policies, and analyzing as well as monitoring KYC & MIS activities to ensure compliance at
every level, maintaining customer files by compiling available information and consolidating the KYC
 Maintaining awareness of policy updates, procedural changes and updates in compliance guidance to ensure appropriate
maintenance of customer documentation in accordance with policy

2.  Remediating existing/missing KYC profiles of Customers and ensuring CDD has been applied accordingly, analyzing the
filled KYC forms to determine the risk level and submit to compliance team for approvals on high-risk profiles
 Analyzing KYC data, documentation and negative news in order to determine Client Risk Profile as established under the
AML Procedures
 Providing full operational support to the team or function, as required, anticipating workload and supporting with
appropriate materials
 Managing operational tasks as required, performing ad-hoc duties by the team or business as required and providing
excellent customer service at all times
 Improving and implementing customer risk rating criteria with KYC management and procedure for both consumer and
corporate customer
 Working collaboratively with the wider team and escalating complex or significant issues to higher management and
participating in special CDD Services review, projects and training efforts, as required
 Reviewing customer information and business documentation to assist in the creation and maintenance of KYC profiles
for Commercial Banking customers
 Providing SME guidance / input to the Business on all KYC issues, including their new account opening and KYC refresh
forms and general KYC procedures and assisting on how to evaluate KYC risks, how to escalate to GCD and on managing
the exit of high risk customers
 Maintaining internal control standards, including timely implementation of internal and external audit points together with
any issues raised by external regulators
 Contacting customers through outbound calls and personal visits to obtain information for filling the KYC form & collecting
the legal documents of customers (self-attested) and validating the signature
 Performing QA on filled KYC forms by verifying the call recordings to ensure accurate details are collected and on personal
visits to customers conducted by the field agents by contacting customers
 Working closely with the Project Lead in generating reports and reviewing the targets & achievements of the team and
conducting Governance meeting on a monthly basis to display the project progress, addressing escalations and other key
elements of the project
 Performing periodic project analysis to monitor the progress, generating action plans and target setting to meet the
deadlines & providing assistance on additional projects
 Assessing the completeness and quality of initial “Know Your Customer” (KYC) documentation for new customers to
ensure that required efforts and documentation are in accordance with applicable policies
 Preparing daily/weekly/periodical reports for Poland Retail stores with complete analysis of Sales to profit and analysis of
major cost lines - stock loss, Stock take, Payroll etc.
 Carrying out the retail sales budgeting, including budgeting for Hungary retails stores using the Top down method of
Budgeting and preparing budget for major cost lines like stock loss and payroll
 Conducting weekly payroll cost analysis, sales analysis by stores, including analysis of actual cost vs. budgeted cost
comparison and actual sales vs. Plan, LFL and 2YLFL
 Preparing weekly book, including KPI’s relating to finance shows the performance of our company, performing analysis
on the organization Information and People Data, Share details, Financial Information across the globe
 Ensuring adherence to Embargoes, Sanctions and Credit Directives Policies and entering KYC information into DBCAT and
CRMCA database
PROMINENT PROJECTS
 WAFRA – Kuwait (Compilation of all AML regulations for CMA (Capital Market Authority) – 2016
 Mashreq Bank (KYC remediation and Due Diligence Project) – 2015
 Tesco MIS Automation project – Poland – 2014
EDUCATION CREDENTIALS
 Bachelors in Commerce (Finance), Bangalore University, 2012
TRAININGS
 Advanced Excel Training
 Business Object oracle systems
PERSONAL DETAILS
Date of Birth: 18th
March, 1991 | Nationality: Indian
Linguistic Abilities: English, Kannada, Hindi, Tamil, Malayalam and Telugu
Visa Status: Employment, Transferable, Company Sponsored Visa
Driving License: Indian Driving Licence | Passport Number: K8802046
Scan, upload and correct ly t ag t he document s per global document at ion st andards, Init iat e and t rack C ASA Account opening w it h ident ified account opening part ners, Ensure handover of physical docum ent at ion for archival as per local requirement s,Inform product part ners on complet ion of CDD t o commence dow nst ream implement at ion of facilities & account s,t rack progress/ com plet ion and report st at us t o int erest ed part ies, Support GIC/ netw ork account opening relat ed process as appropri ate and t rack t urn-around-t ime on end-t o-end client on boarding process, ident ify blockages/ hot spot s and t imely escalat ions , good understanding of KYC, CDD, FATCA, UBO and Name Screening and with sound compliance knowledge, Ident ify missing/ addit ional docum ent s required for CDD/ GIC reviews, Follow -up and collect document s from client (depending on client sensitivities), Review document at ion received from Client / RM / CCM