Zohair Sultan Ali Muhammad Juma

Transaction Processing: Facilitate and process account transactions, including deposits, withdrawals, TMS/X /EFTS and transfers.

Relationship Banking: Identifying different customer groups (e.g., retail, corporate, high-net-worth, Non Resident & PEP) to tailor services and communication.

Offering customized financial products based on individual customer needs and preferences.

Account Oversight: Monitor account activities, ensuring compliance with bank policies and regulations.

Ensured KYC, CDD, EDD, PEP risk assessments, FATCA, Screenings & Reviews are performed properly along with Risk rating/management of portfolio & compliance excellence.

Operational Risk Coordinator for Retail and Institutional business of the bank; support the framework of Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.

Reporting: Prepare reports on account performance and client feedback for management review.

KYC Analyst/AML Compliance

• Conduct KYC reviews and customer due diligence (CDD) on new and existing clients.
• Analyze and verify client identification documents and information.
• Assess the risk level of clients based on established criteria.
• Maintain accurate records and documentation of KYC processes.
• Collaborate with various departments to gather necessary client information.
• Monitor and investigate suspicious activities and report findings as required.
• Stay updated on regulatory changes and ensure compliance with evolving KYC regulations as per CBB guide line.
• Provide training and support to staff on KYC-related matters.
• Coordinate with regulatory bodies during CBB audits and examinations.
• Provide training and support to employees on AML regulations and best practices.
• Stay informed about emerging trends in money laundering and compliance regulations.

• Processing payments and sending receipts and confirmation of the booking to clients
• Reconciliation at the end of the month
• Handle cash, credit, or check transactions with customers.
• Scan goods and collect payments.
• Ensure pricing is correct.
• Issue change, receipts, refunds, or tickets
• Redeem stamps and coupons.

• Managed front desk operations and customer interactions.
• Worked as a productive and positive team member to design, test, report, WPS system and debug operations.
• Onboarding the clients for WPS system and processing staff salaries at month end.
• Developed and implemented performance standards and procedural changes to drive productivity and quality.
• Effectively helped to managed Human Resources concerns and department workflow.
• Managed and evaluated workflow and productivity, making changes where necessary.

• Coordinated mailings, marketing materials, and website content.
• Assisted in the creation of graphic materials for the use of the marketing department.
• Planned, executed, and managed online marketing efforts, resulting in a wide range of company advancements.
• Maintained ongoing communications with sales reps and leaderships.
• Researched the motivations of users and consumers to better understand company goals.

• Redirected calls as needed and worked with my supervisor to address any outstanding issues or concerns.
• Documented all concerns and incidents and reported them to a senior supervisor.
• Served as a direct assistant to Production Supervisor, supporting all aspects of production and office management.
• Reported any machine malfunctions or safety issues to supervisor

• Worked to achieve high customer satisfaction rates by providing optimal customer service and creative tattoo work.
• Helped to increase customer return rates by providing excellent customer service at all times.
• Brought forth excellent customer service skills and a commitment to customer satisfaction.
• Provided top of the line customer service to all airport patrons

• Greeted customers with a friendly and helpful attitude.
• Assisted with displays and offered ideas to increase product appeal.
• Answered phone calls and relayed messages to store personnel.
• Worked independently and collaboratively on projects.
• Placed outbound sales calls as directed.