hazem.alraggad

A bank teller is responsible for processing a variety of customer transactions, including deposits, withdrawals, transfers, and payments, ensuring accuracy and efficiency in all operations. They handle cash, count their drawer at the beginning and end of each shift to ensure accuracy, and balance the cash drawer by counting cash, checks, and other transactions. Additionally, tellers issue cashier's checks, money orders, while also processing loan payments and utility bills. Their role is crucial in maintaining the financial integrity of the bank's daily operations.

A Customer Service Representative (CSR) officer in a bank plays a vital role in delivering exceptional customer service and managing client relationships. They are responsible for greeting and assisting customers with inquiries, providing detailed information about bank products and services, and handling account-related tasks such as opening and closing accounts and updating account information. CSRs also resolve customer issues and complaints, addressing concerns related to lost or stolen cards, fraudulent transactions, and disputes, while escalating complex cases to the appropriate departments. Additionally, they process various customer transactions, including deposits, withdrawals, and other banking activities, ensuring a smooth and efficient customer experience.

A Main Teller in a bank is responsible for overseeing the daily operations of the teller line, ensuring that all transactions are processed accurately and efficiently. They supervise and support tellers, assisting with complex transactions, resolving customer issues, and providing guidance on procedures. The Main Teller also plays a key role in managing the cash supply, including balancing the vault, ordering cash, and ensuring that tellers have the necessary funds for their shifts. Additionally, they are responsible for training and mentoring new tellers, helping them develop the skills needed for their roles. By maintaining a high level of accuracy and efficiency, the Main Teller ensures a smooth and secure banking experience for customers.

An AML/CFT Compliance Officer is responsible for ensuring that a financial institution adheres to laws and regulations designed to prevent money laundering and the financing of terrorism. They develop, implement, and monitor the institution's anti-money laundering (AML) and counter-financing of terrorism (CFT) programs, ensuring compliance with local and international regulatory requirements. Their role includes conducting risk assessments, overseeing customer due diligence (CDD) and know-your-customer (KYC) procedures, and monitoring transactions for suspicious activities. The officer is also responsible for filing suspicious activity reports (SARs), conducting internal investigations, and liaising with regulatory bodies and law enforcement agencies. Additionally, they provide training to staff on AML/CFT policies and procedures, ensuring that the organization remains vigilant and compliant in its efforts to combat financial crime. The AML/CFT Compliance Officer plays a critical role in protecting the institution from financial crime risks, safeguarding its reputation, and ensuring adherence to legal and ethical standards.

During my tenure, I have gained extensive experience in monitoring high-risk accounts, identifying merchant and customer requirements across POS, e-commerce, wallet, and agent platforms. I have a strong background in analyzing due diligence and KYC models to ensure compliance and mitigate risks, conducting in-depth studies and analyses of transaction patterns, and providing detailed recommendations to enhance security. My role involved daily reviews of fraud reports, where I detected fraudulent transactions and made critical decisions on whether to confiscate or release funds. I implemented Mastercard and Visa security messages related to compromised or stolen cards, ensuring strict adherence to security protocols. Additionally, I coordinated with relevant departments to execute external requests, such as court orders and criminal investigations, and created suspicion reports for transactions related to fraud or money laundering. I have overseen the development of FinTech solutions aimed at enhancing fraud detection and prevention, AML monitoring systems, and screening systems. I played a key role in developing and implementing scenarios on monitoring systems to detect fraudulent transactions and combat money laundering, thereby strengthening the company's ability to identify and respond to potential threats. My responsibilities also included making informed decisions on suspicious transactions, utilizing global programs like VRM and Brighterion to combat fraud, and contributing to the development of systems for monitoring online and offline transactions, including eKYC programs. Furthermore, I have experience in reviewing and writing work policies and procedures, preparing and presenting professional, statistical, and structured reports at the highest level. As a fraud control supervisor, I was responsible for overseeing one employee and successfully achieved a significant reduction in the rate of fraud reports by global companies. Additionally, I conducted and managed training workshops to train frontline staff, ensuring that they were equipped with the necessary knowledge and skills to detect and prevent fraud effectively.