Nazma Panjwani has over 8 years of experience in banking operations and compliance, including expertise in anti-money laundering processes and transaction monitoring. She currently works as a Senior AML Analyst at HSBC Bank, where she prepares reports on suspicious customer activity and ensures investigations prevent money laundering. Previously, she held roles with increasing responsibility at HSBC Bank and ICICI Bank, handling operations, compliance checking, account openings, and team management. Nazma has received several awards and promotions for her work.

1. 8+ Years of Experience in Banking Operations and Compliance
NAZMA PANJWANI
Cell no: 08008855424,08978885141.
Email: nazma.panjwani@gmail.com
AN OUTLOOK
 Exposure in both Indian and International Banking processes.
 Strong experience in Banking Operations and Compliance.
 Expertise knowledge in Anti-Money Laundering process and Transaction Monitoring.
 Thorough knowledge of KYC (Know Your Customer) guidelines.
 Good at Training, Planning, Coordinating, Controlling and Relationship building.
 Excellent report writing and verbal communication skills.
STREAM OF KNOWLEDGE
 Expertise Knowledge in investigating Money Laundering activity on the retail and
commercial clients’ accounts.
 Expertise in managing large volume of banking transactions, administering routine
bank operations and solving customer escalations.
 Expertise Knowledge in checking personal, commercial and trust account’s
documentations and customer’s due diligence
 An individual with good numerical abilities and quality oriented with an eye for detail.
 Sound knowledge in banking software such as FINACLE version 7.01 (Banking
customer database management system) and Browser Main Menu.
EDUCATION
 MBA (Finance) from Osmania University in 2006 with 65%.
 BBM (Bachelor of Business Management) from Kakatiya University in 2004 with
75%.
 HSCE from Gujarat Secondary Education Board in 2001 with 77%.
 SSCE from Gujarat Secondary Education Board in 1999 with 81%.
STRENGTHS
 Learning by doing and learning by observing.
 Highly achievement oriented with a proactive and anticipating attitude.
 Possess Leadership and Managerial skills for quick and correct decision making.
 Sincere, hardworking and a positive thinker.

2. EXPERIENCE
AML Analyst at Level 2 – HSBC Bank Aug’15 – till date
Job Profile:
 Preparing Suspicious Activity Reports for High Risk Customers, Politically Exposed
persons and business clients and submit the same to UK MLRO.
 Preparing Suspicious Activity Reports for people suspected to be involved in Human
trafficking, terrorist finance, Fraud rings and Mules and submit the same to UK MLRO.
 Investigating the customer’s background using different internal and external resources
and using different searches engines, as per guidelines given by National Crime
Agency, UK.
 Training and supporting the new staffs in report writing and investigation skills.
 Ensuring the quality investigation to prevent the Money Laundering.
 Ensure timely report submission so that we do not excess our ‘Service Level
Agreements’.
Senior AML Executive at Level 2 – HSBC Bank Mar’14 - July’ 15
Job Profile:
 Detailed and thorough investigations carried out on the suspicious activity reports
received from Level 1 investigators on the customer’s bank accounts.
 Investigating the customer’s background using different internal and external resources
and using different searches engines such as World Check.
 Extensive Google searches and Negative News searches done on the anomalous
customers, as per guidelines given by National Crime Agency, UK.
 Preparing reports on the anomalous customers (in a format given by UK authorities) by
giving all suspicious transaction details observed on the particular account.
 A ‘Suspicious Activity Report’ would be then submitted to UK Authorities by UK
MLRO.
 Ensuring quality investigation to prevent the Money Laundering.
AML Executive at Level 1– HSBC Bank Feb’13 – Feb’14
Job Profile:
 Monitoring customer activity in the bank account(s) and reporting suspicious activity
by preparing reports to MLRO Team (level 2) for a specific given period for UK
clients.
 Investigating customer’s background, source of income and disbursal of the same in the
bank account(s).
 Rolling out new projects for improving team productivity, cost reduction and better
service to the customer.

3. Senior Officer – ICICI Bank Apr’11 – Nov’12
Job Profile:
 Handled a Team of more than 10 people, taking care of account opening of various
types in FINACLE (Savings, Current, NRI, Loan against Shares, Employee Re-
imbursement Accounts).
 Verification of all the entries done in Finacle by Makers (Officers).
 Posting financial entries done by Maker in TM option in Finacle.
 Checking the compliance of the processes in the unit and preparing Daily MIS.
 Monitoring TAT (Turn around Time) and giving Quality service to the customers.
Officer – ICICI Bank May’07 – Mar’11
Job Profile:
 Effectively handling banking operations such as opening of Savings, Current, NRI,
Loan Against Shares, Employee Re-imbursement Accounts, opening and closing of
Fixed Deposits and Recurring Deposits, Closure of Accounts, Transfer of Accounts,
Joint Conversions, Deletion of Name, Address Change, Nominee addition and deletion.
 Checking KYC (Know Your Customer) documents of Savings account, Current
account, De-mat accounts and Trust accounts.
ACHIEVEMENTS
 Promoted as ‘Senior AML Analyst’ in August 2015, at Level 7, at HSBC.
 Awarded as ‘Employee of the year’ for financial year 2015-2016 at HSBC.
 Received couple of Appreciation mails from business area for Excellent Report Writing
Skills and quality of investigation carried out on the particular customer, at HSBC.
 Received couple of ‘Process Star’ and ‘Super Star’ awards at HSBC.
 Achieved ‘1 Rating’ in Performance Management System on the scale of 4 in 2015-
2016 at HSBC.
 Achieved ‘1 Rating’ in Performance Management System on the scale of 4 in present
organization in Year 2009-10,2010-11 & 2011-12, at ICICI.
 Promoted as ‘Senior Officer’ in year 2010-11, at ICICI.
 Awarded with ‘ICICI Sprit Award’ at past organization.
 University 4th Ranker at Graduation level.

4. PERSONAL DETAILS
Languages Known : English, Hindi, Gujarati and Telugu.
Passport No : H3893980.
Date of Birth : 24-Feb-1982.
Marital Status : Married.
Address : Flat no: 306, Dollfine Castle,
Vinayak Nagar, Hafeezpet,
Hyderabad 500016.
I declare that the above details are true and correct to the best of my knowledge and belief. I
understand that if any of these details are found to be in correct my services will be terminated
at any moment without any notice.
Place:
Date: (NAZMA PANJWANI)