Mohammed Rayhaan Abdul Hameed

I’m a finance professional with four years of Australian experience in credit risk and compliance, now back in the UAE. I’ve built hands-on expertise through roles at institutions like National Australia Bank and Deloitte, applying it to credit analysis, KYC/AML, and remediation work.

At National Australia Bank, I executed end-to-end credit administration for a portfolio of business banking clients—ensuring accurate structuring and maintenance of credit facilities, limits, and covenants in compliance with NAB policies. I conducted in-depth credit analysis and financial modelling (including cash flow and ratio analysis) to assess borrower creditworthiness and mitigate portfolio risk.

With Commonwealth Bank of Australia and Deloitte, I led remediation projects for identified control failures, analysing root causes and implementing corrective actions that reduced control discrepancies by 10%. I also leveraged data analytics tools to strengthen audit testing and remediation validation, improving exception identification and cutting review timelines by 15% and 12% respectively.

Across my work, I partner with Compliance, Risk, Legal, and internal stakeholders to strengthen governance and operational risk frameworks. My goal is simple: to build stronger, more compliant financial operations where controls are tested effectively, remediation is measurable, and compliance is embedded in day-to-day processes.