TOOBA MUSHTAQ AHMED

Position: Business Analyst | Transaction Advisory | Compliance Analyst | Credit Risk Analyst |
Finance Analyst | Accountant | Banking | AML – KYC Analyst |

Experience: Over 05 years | Educational Qualification: Masters in Business Administration (Finance)

Key Skills: Risk Assessment | Due Diligence | Financial Analysis | Data Analysis | VAT |
Commercial Banking | DFSA and FCA Regulations

Contact: +971 56 720 3206 | Email: toobamushtaqahmed@gmail.com | Location: Dubai | UAE

Visa Status: Visit Visa until Oct 14, 2021 | Availability: Immediately Available

Professional Summary
An active and result-oriented individual with over 05 years of diversified on-ground experience in all aspects of
economics, accounting, foreign trade finance, credit risk, compliance, and correspondent banking. Solid
planning and organizational skills in coordinating all phases of the project from inception through completion.
Well-disciplined with proven ability to manage multiple assignments efficiently under extreme pressure while
meeting tight deadline schedules.
Major Terms and Projects
▪ Led a role in achieving 95% targets of receiving Wolfsberg Questioner (Correspondent banking Due
Diligence Questioner) at a given deadline from FI (Financial Institution).
▪ Selected by the management considering successful completion of UAT of Swift Relationship Management
Application (RMA) plus also deployed it productively at Swift Live Environment.
▪ Implemented strategic changes in due diligence/KYC/EDD review of correspondents’ clients.
▪ Published article on Demutualization of Stock (2017)

Awards & Achievements

▪ Received Spot Awards for the Best Performance | Standard Chartered Bank | Nov 2016
▪ HBL Compliance Trainee Program Nov 2017 – Dec 2017.

Experiences
GSB Capital Ltd | Dubai, UAE May 2021 – Jun 2021
New Business Manager
Core Responsibilities
▪ Added and updated prospects clients and new clients on Wealthcraft (CRM application).
▪ Sent fact finds, risk questionnaires to prospective clients and prepared suitability reports for new clients.
▪ Sent new clients the GSB client contract for signature, collecting their compliance due diligence (CDD)
documents for KYC and completed provider paperwork for new business and top ups.
▪ Updated the Wealthcraft with business life cycle status for all new business and top-ups submitted.
▪ Submitted new business and top ups business to providers and following through with the providers to
business issue and reported new business on weekly and monthly basis.

Freelance | Pakistan Jan 2020 – Jan 2021

Analytical Research Writer
Core Responsibilities
▪ Wrote thesis on a study of the determinants of environmental disclosure: Evidence from the listed
companies in the United Arab Emirates.
▪ Composed a research paper on Mergers & Acquisition of IBM and Xerox.
▪ Analysed the Financial, Risk, and WACC (Weighted Average of Cost of Capital) of NVIDIA Corporation.
▪ Collaborated with graduate students to complete various parts of research projects.

Bank Al Habib Limited | Pakistan Aug 2018 - Dec 2019

Senior Financial Institution (F.I.) Compliance & Global Swift RMA Analyst
Core Responsibilities
▪ Developed relationship with foreign and local banks, including arrangements with new and existing
correspondents in a new destination to cater banks trade finance business requirements.
▪ Facilitated swift Relationship Management Application (RMA) administrator and FI compliance head with
all the correspondence banking activities with foreign and local banks along with their branches.
 ▪ Responded to all queries received via swift RMA module, swift messages, and email requests for the
establishment of a new swift RMA with Bank Al Habib Limited.
▪ Proceeded to address any request received for the establishment of a new correspondent relationship,
arrange to compile all the requisite documents from a correspondent bank as per the banks swift RMA SOP.
▪ Conducted due diligence/KYC/EDD review of bank’s correspondents’ clients in a timely scheduled
manner, credit analysed and reported any major changes.
▪ Reported weekly MIS of active swift RMA summary to head of departments and prepared letters, memos,
and other write-ups as and when required.
▪ Testified, and return inward foreign remittances, weekly reconciliation as per instruction central bank
circular with compliance division.
Habib Bank Limited | Pakistan Nov 2017 - Mar 2018
Assistant Manager (Compliance AML, Sanctions Screening & Advisory)
Core Responsibilities
▪ Analysed alerts generated through the company's various economic sanctions / OFAC (Office of Foreign
Assets Control) filtering applications.
▪ Sanctioned screening, suspicious activity, and transactions reported to the Anti-Money Laundering (AML)
Financial Monetary Unit (FMU) with group sanctions policy and procedures.
▪ Conducted due diligence screening on wire transfers and inward payment transfers.
▪ Highlighted system gaps or issues to unit manager for necessary action and ensured quality time is spent
when alerts are investigated and updated into the sanction screening process.
Standard Chartered Bank Limited |Pakistan Nov 2015 - Apr 2017
Foreign Trade Finance Analyst
Core Responsibilities
▪ Monitored trade finance dashboard on regular basis attended to clear export letter of credit (LC) advising
transactions in the queue.
▪ Processed export LC advising (issuance, amendment, miscellaneous steps, and transfer/confirmation),
export documents under contract (EBC), and bank credit line transfers.
▪ Prepared swift messages/ queries responses for issuing bank; monitored and reconciled of Nostro account
pertains to export LC advising only.
▪ Ensured due care diligence is exercised on day-to-day operational matters relating to Money Laundering
and KYC, accruing relevant knowledge and training; thus providing support to superiors and subordinates.
▪ Functioned as a backup for Assistant Manager Export and complied with group money laundering
prevention policy and procedures to the extent applicable, reported all suspicious dealings including
transactions having red flag alerts AML approvers.

Education

Master’s in Business Administration Majors Finance (Equivalence to MPhil) 2012-2015 | CGPA 3.39
Iqra University | Pakistan
Bachelors in Commerce | University of Karachi 2010 – 2011| Division 1st

Certifications
▪ Received the CFA Institute Investment Foundations certificate.
▪ Completed J.P. Morgan Commercial Banking Virtual Experience
▪ Writing Skills for Bankers - 2019
▪ Anti-Money Laundering and Counter Financing of Terrorism (AML/CFT) - 2017
▪ Advance Diploma in Information Technology (ADIT 1st Module) (Jan to July, 2012)
Technical Skills
▪ Microsoft ▪ Excel Dashboard ▪ Financial ▪ Forecasting
Dynamics 365 Modelling Financial Statements
▪ Data Analysis ▪ Block Chain ▪ FinTech ▪ Swift
▪ QuickBooks ▪ SPSS ▪ Project Management ▪ Tableau
Software
▪ Python ▪ SQL ▪ Safe Watch ▪ Mantas
Personal Details
▪ Gender Female ▪ Marital Status Single
▪ Nationality Pakistani ▪ Language English & Urdu