Muhammad Shahid

TMS Supervisor - Compliance
14 July 1991

About Candidate

More than 9 years diversified experience within banking industry of UAE and Pakistan. Be a part of UBL UAE (Transactional Monitoring Unit-Compliance) since Jul, 2022 as TMS Supervisor. As TMS Supervisor performs my duties to Manage Team of Analysts for UBL UAE. Supervise the analysis of team and responsible for Closure of Alerts/Cases in FCCM. Escalate Account or Transaction to DMLRO/MLRO if seems suspicious for Reporting to FIU. Prior to Managerial role working as Manager AML in Pakistan, Manage and closure of alerts against daily Customer’s Transactions (Breaches FCCM scenarios) in light of AML & CFT perspectives (Domestic and International). Also perform different assignments by State Bank of Pakistan in light of FATF recommendations.



BBA (Hons) 2008-12
University of Education, Lahore

Business Administration

Work & Experience

TMS Supervisor - Compliance Jul 2022
United Bank Limited - UAE

• Monitoring Alerts generated through Automated Alerts Management system (FCCM, Accuity and Safe Watch) • Monitor transactions for unusual patterns or behaviors that may indicate ML & TBML. Identifying transactions that involve high-risk countries, unusual routing patterns, or transactions that do not match the customer's profile • Monitor transactions that are significantly larger or more frequent than usual, or that involve unusual goods or services • Review the unusual Patterns such as transactions involving third-party intermediaries, such as shell companies or offshore accounts • Reviewing transactions that involve a high degree of complexity, such as those with numerous parties or involving multiple jurisdictions • Reviewing Transactions involved Cash against trade related activity • Reviewing transactions among Free Zone and Mainland Parties • Reviewing the alerts generated in Accuity against dual use goods, possible match in screening list (Individual and entity) • Identifying high-risk customers and transactions and implementing appropriate controls • Coordinate with business team for resolution of suspicion regarding ML & TBML • Review EDD for high risk clients (on boarding & periodic review) • Report suspicious activity or behavior to DMLRO for further investigation and Suspicious Activity Reports (SARs) with financial intelligence units (FIUs)

Manager AML Feb 2019 - Jul 2022
United Bank Limited - Pakistan

• Supervise a team of AML analysts for Alerts management generated through FCCM • Review the high risk clients and EDD on the time of on boarding and periodic review • Report any suspicious activity to Financial monitoring unit (FMU) • Coordinate with Law enforcement agencies (LEAs) in Pakistan • Provide trainings to Branch staff regarding AML and State Bank of Pakistan (SBP) policies.

Credit Operations Auditor Oct 2017 - Feb 2019
United Bank Limited - Pakistan

• Conduct Credit Audit of sectors (Agriculture and SE) to place a reasonable assurance that the operational aspects of credit process i.e. Documentation, Disbursement, DAC issuance, Pledge Monitoring, Mark-up/Limit feeding and Credit Administration Department MIS/Reporting etc. are in compliance with regulatory requirements, Bank’s standard control procedure and requirements of approved credit proposals.

Officer Jul 2014 - Oct 2017
Bank Alfalah Limited - Pakistan

• As credit Operation Officer perform documents scrutiny in Agriculture Credit and liaison between Business and CAD (Credit Administration Department) • As Officer BIU (Business Intelligence Unit) prepare and maintain different MIS regarding Liabilities and assets side of the Unit (Islamic Banking) o Daily Deposit Position o Gap analysis with Actual and targeted position o Products wise Position o Help Business finance department in budget preparation