Ali Ait Yacoub

As an AML professional, all my tasks are targeted to solving one of these challenges: Suspicious Payment Investigation. On my end, I work by analyzing payment transactions and try to uncover payments from European banks where the outlier lies. I also look for outliers in the patterns of financial transactions.

I am responsible for detecting and preventing money laundering activities. Daily monitor financial transactions, review customer accounts, and analyze suspicious activity for potential violations of anti-money laundering regulations. Also prepare reports for law enforcement and regulatory authorities, ensuring that the bank remains compliant with the laws and regulations governing money laundering

Analyzing new client accounts. Examining current and new customer policies. Assessing the financial risk connected to the customer. Reviewing and verifying the identity of customers. Assessing the risk of money laundering and illegal activities. Making recommendations for further action if necessary.

I knowledge about KYC Monitoring and implementing management sanctions for risks. I also conduct independent processes and AML regulations research into NP customers and periodic reviews for existing customers. Organizing and having an affinity with process-based work. Identifying and analyzing any integrity risks research skills. among customers and reviewing customers when specific issues or ris

Detecting and investigating sanctions risks. Analyzing whether transactions by private customers of Rabobank are permitted within policy and within legislation and regulations. As a Sanctions NP Analyst. I am also alert to other signals that may be present with customers, such as U- Turns. money laundering. fraud or terrorism.

Perform client onboarding and renewal processes related to KYC documentation. The main client segment is private and corporate. Identify, manage, and escalate blockages that prevent the KYCs from moving to approval stage. Support Sales with the assessment of risk issues identified during the due diligence process (related to adverse media, sanctions, PEPs, etc).

Detecting. investigating, and recording anomalous transactions for money laundering, fraud and terrorist financing risks. checking and analyzing signals from payment transactions that indicate criminal activities and conducting in- depth research based on payment behavior and customer profiles. Conducting research on customers regarding PEPs (Politically Exposed Persons).

Verifying and analyzing customer data. organizational structures. and external documents such as articles of association. ownership declarations for both new and existing customers (private & professional).

Activities include analyzing transaction patterns and drawing up customer profiles in the context of money laundering and terrorist financing based on data from internal ICS systems and public sources. (Company.info. Land Registry. social media) whether you consider the transactions made by a cardholder unusral or not. You keep the laws and regulations in mind and you are responsible for formulati

Research into corporate structures. business activities. management stakeholders and conducting various screenings. Based of available or yet to be requested relevant documentation and adequate documentation. report a assessment in a thorough research report to the various stakeholders.

Responsible for the control and management (operational risk) of customer transactors. securities, and cash positions through recondliatons between the internal administration of BinckBank and the external administration of the cash, broker and securities accounts at the various custodians. To carry out reports for supervisors and tax authorities.

Internal cash bookings carried out on behalf of internal departrnents. Make a connection with the external cash accounts daily (reconciliation). Processing payment orders and cash deposits for the end customer. Perform checks on all cash enthes internally and externally. Archiving transfer orders-. Contact internal staff for questionflequests relating to payment transacbons.

Opening. accepting. and assessing new (business) accounts based on Binck Bank's acceptance policy. Manage existing accounts in accordance with established procedures. Checking the client file for completeness. Internally addressing non-operational questions from customers. Sending account information to customers. Drawing up and maintaining process descriptions and work instructions.

Assessing and checking mortgage changes (private and foreign). Coordination with applicant intermediaries. and account managers about additional data or with intensive management of possible risks. Maintaining telephone and Witten customer contact.

Completed a basic course in Open-Source Intelligence (OSINT). This training provided fundamental skills in internet investigation and gathering information from publicly available sources.

This program provided a national diploma, focusing on business administration. It equipped me with foundational knowledge and skills relevant to business operations.

Completed Yellow Belt training, gaining an understanding of the basic concepts of the Lean (Six Sigma) philosophy. The theory was supported with practical examples and exercises to ensure a thorough understanding of the material.

Achieved certification as an advanced KYC analyst. This training enhanced my expertise in Know Your Customer processes and regulations.

Undertook a basic course in SQL and HTML. This training provided foundational knowledge in database querying and web development languages.