Greater Glasgow Area
Dedicated and results-oriented Financial Crime Compliance professional. Proven track record of identifying and mitigating risks, detecting suspicious activity and fraud, and driving improvement initiatives across diverse banking environments. Skilled at transaction monitoring, risk assessment, and regulatory compliance. Adept at fostering collaboration, nurturing client relationships, and providing leadership and mentoring to enhance team performance. Demonstrates exceptional communication, time management, and organisational skills, complemented by a keen eye for detail, an analytical mindset, and problem-solving ability. Seeking to leverage expertise in a Financial crime/ Compliance role to drive organisational success.
Responsible for conducting dedicated and robust AML investigations. Detailed and thorough understanding of the Banks Policy and requirements. Taking responsibility for maintaining the high standards of accuracy, up to date client information during all stages of the client relationship in order to protect the Bank and our clients from Financial Crime. Using strong problem solving and team working skills to resolve complex, high priority cases whilst ensuring the Banks regulatory requirements are always met. Use strong communication skills to interact professionally with internal and external stakeholders. Use a high level of attention to detail to complete tasks ‘right first time’ every time. Conducting thorough investigations on alerts whilst managing and prioritising caseload. Proactively contacting customers/ Correspondent Banks to obtain customer information relating to alerts received whilst adhering to strict controls. Ensure all activity is delivered in accordance with processes, procedures, and the control framework in place. Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Santander Policies and Policy Standards. I have the ability to develop, a strong understanding of Financial Crime regulations and policies (AML, Sanctions, and Anti-Bribery and Corruption). Making independent decision making and the ability to make risk based recommendations on a customer relationship case based on available evidence. Strong written communication skills and the ability to write reports/reviews that can be presented to senior stakeholders and Financial Crime. Proven experience in undertaking direct client contact face to face meetings, phone calls and emails. Excellent Knowledge and understanding of the legislation that affects the bank and our clients including Data protection Act, Financial Services Act, Money Laundering and confidentiality regulators.
I set up my own education company to work within schools with a high concentration of Black, Asian and Minority Ethnic students. After many years in the Education industry there was a clear gap in this area that needed addressing. I provide consultancy to schools on how to best raise standards and success for those students who are disadvantaged in society or who are deemed to fall out of education, employment or training. My role involves working with other professionals to deliver high impact, high energy workshops that are based on raising confidence, self-esteem and self-belief in young people. My role also requires meeting with decision makers within the school to discuss there needs and requirements. After each delivery I carry out an evaluation feedback with every student and report the finding to the schools senior leadership team.
Extensive Fraud Investigation skills - Reviewing accounts for fraudulent activity/unusual transactions. Experience within a growing team of Financial Crime Investigators and adapting to ever changing daily priorities and pressures. Significant knowledge of money laundering typologies across a range of products and services in financial services. Reviewing changes in customer profiles (trigger events) emanating from Transaction Monitoring reviews or proactively from customers. Completing Risk Assessments highlighting any red flags, potential mitigating factors recommending appropriate actions. Proven analytical skills and ability to apply a risk logic in reviewing information relative to customers and their activity. Understanding of financial crime legislation and regulatory requirements. Ability to make sound risk based decisions were judgement is required. Investigating and reporting Authorised Push Payment (APP) scams. Liaising with external banks to report third part fraudsters and sending indemnities. Trained on payments stopped by and fraud related to Open Banking. Making decisions on complex fraud cases/declining fraud claims at first point of contact. Reviewing customer/beneficiary accounts and making decisions on account closure. Investigating suspicious activity from alerts generated by surveillance systems (Actimize/DRE/CBO) and manual referrals. Transaction Monitoring – Reviewing accounts for fraudulent activity/unusual transactions. Completing Suspicious Activity Reports (SARs) & escalating urgent cases. Fully trained to report fraud to UK Finance Firm Member Banks using BPS. Managing high turn-over commercial and retail accounts. Liaising with police, NCA and CIFAS investigations. SME – Authorised Push Payment fraud & Digital Banking. Anti-Money Laundering & Financial Sanctions reporting. Building rapport with customers/stakeholders. Training and mentoring new/under performing colleagues.
I am involved in advising all schools in the UK on how to raise self-belief, attainment & achievement levels. By listening to their challenges or if they are trying to meet with certain government initiatives such as Determined To Succeed, Curriculum for Excellence, Health Promotion, Enterprise in Education etc. I would advise them on which products or services that will be suitable for them. The main duties involve, building client relationships by actively calling schools and managing these areas in order to retain existing clients and also to generate new business. I am also involved in the marketing of our services that I follow up on the web leads, faxes, calls and proactively follow up all contacts. I also meet clients face to face to discuss their goals, objectives, requirements etc. that they wish to achieve from the work we deliver.