Mohamed Nazar

Reviewed and cleared 40+ AML transaction monitoring alerts daily within defined SLA turnaround times, communicating low-risk outcomes to relevant business segments.
Conducted preliminary investigations on AML alerts for suspicious activity, concluding each alert with documented comments, customer profile analysis, and risk justification.
Drafted Suspicious Activity Reports (SARs) and escalated unresolved cases to AML Management within regulatory timelines in compliance with CBUAE guidelines.
Configured risk-based parameters within the automated monitoring system to align with ML/FT/PF risk exposure of the regulated entity.
Reviewed L2 alerts, validated findings, and supported AML compliance documentation submissions to meet regulatory requirements.
Led AML investigations for cases forwarded by internal departments, correspondent banks, and regulators.

Screened clients across UAE and international geographies against SDN, PEP, and adverse media lists using NapierAI and WorldCheck platforms.
Analysed Transaction Monitoring alerts at L1 and L2 levels to identify financial crime instances; escalated genuine alerts to AML/CFT Investigations Senior Officers (L3) for further review.
Conducted Enhanced Due Diligence (EDD) investigations using NapierAI and WorldCheck, gathering and recording evidence from internal systems, OSINT sources, and business enquiries.
Managed case and alert queues, providing timely responses to all stakeholders while maintaining accurate AML database records.
Analysed AML Transaction Monitoring alerts (L1 & L2) using HUB, WorldCheck, and LexisNexis; screened for sanctions/blacklists/SDNs and adverse media using RDC/BVD tools.

Served as Subject Matter Expert (SME) for Payments, leading delivery of payment ecosystems with deep expertise in AML, SWIFT compliance, and international sanctions screening.
Cross-trained in UK and USA Transaction Monitoring processes (L1 & L2) within Financial Crime Compliance and Regulatory Operations, handling alerts across Global Correspondent Banking and Retail/Wealth Management queues simultaneously.
Evaluated complex client structures, gathering CDD/EDD documentation and conducting OSINT research to assess potential risks and ensure regulatory adherence.
Escalated valid or possible matches in adverse media, Sanctions, and PEP screening; liaised directly with the MLRO on suspicious cases not in line with regulatory requirements.
Set KPIs, tracked productivity and quality metrics, and provided on-the-job training and peer reviews for junior Analysts and Senior Analysts.

Handled post-payment investigations and compensation claim queries using Global Pay Plus (GPP) and CitiFT, authorising releases for MT103, MT202, MT202COV, and internal transfers.
Conducted fraud investigations to recover funds from phishing and hacking incidents; engaged external banks via SWIFT correspondence messages.
Delivered in-person AML and compliance training to branch networks on sanctions screening, blacklist screening, red flag identification, KYC reviews (CDD/EDD/ODD), and UBO identification for non-individual clients.
Performed root cause analysis on incorrect transactions and coordinated customer refunds in adherence to SLA standards.

Processed account opening and activation for SME clients, completing mandatory KYC checks and signature verification before activating Current Accounts and additional banking services.
Ensured compliance with KYC and CDD documentation requirements for all onboarded clients.