Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Heena

Birmingham,West Midlands, England

Summary

Driven Financial Crime & Risk Specialist pivoting into Credit Risk Analysis
Dynamic and results-oriented professional with a unique blend of expertise in AML, financial crime investigations, and credit risk analysis—anchored by a Master’s in Management & Finance and the CAFS certification. Proven track record as an Economic Crime Investigator at Nationwide, delivering data-driven fraud risk insights and safeguarding customer portfolios across global jurisdictions. Skilled in SQL, Power BI, Excel, and SAS for extracting, analyzing, and presenting credit risk and compliance data. Experienced in transaction monitoring, KYC/EDD, and portfolio reviews through roles at AmEx and Concentrix. Now seeking to contribute analytical rigour, regulatory acumen, and continuous improvement mindset as a Credit Risk Analyst at Yorkshire Building Society.

Overview

4
4
years of professional experience

Work History

Economic Crime Investigator - Fraud Operations

Nationwide Building Society
04.2024 - Current
  • Investigated high volumes of suspicious account activity daily, applying fraud frameworks to protect customer funds and reduce financial losses.
  • Partnered with fraud teams to identify scam patterns, contributing to interventions that prevented up to £X in potential losses per month.
  • Delivered clear, empathetic communication in complex fraud cases, maintaining member trust and achieving >90% customer satisfaction scores.
  • Produced concise reports on emerging fraud trends, ensuring timely escalation to internal stakeholders and decision-making committees.
  • Recognized for adaptability and high performance in a fast-paced environment, consistently exceeding case resolution targets.

Senior Associate - AML & Transaction Monitoring

American Express
07.2022 - 01.2023
  • Performed end-to-end KYC and Enhanced Due Diligence (EDD) reviews for high-risk private and corporate clients, ensuring compliance with global AML standards.
  • Monitored and investigated suspicious transactions, escalating sanctions, PEP, and adverse media hits using LexisNexis, RDC, and PCR.
  • Utilized SQL queries and Power BI dashboards to extract, manipulate, and visualize data for transaction monitoring and reporting.
  • Partnered with compliance and business teams to provide first-line advisory on AML, sanctions, and anti-bribery obligations.
  • Produced clear risk reports to support Account Activity Reviews (AARs) and informed decision-making for cash management and trade finance portfolios.

Credit Risk Analyst - Business Credit

Concentrix Pvt Ltd
06.2021 - 07.2022
  • Transitioned from Senior Associate into a Credit Risk Analyst role, supporting the client with business credit operations.
  • Conducted risk assessments and client reviews across SME and corporate portfolios, ensuring compliance with internal policies and regulatory standards.
  • Analyzed client financials, credit history, and transaction data to determine creditworthiness and recommend lending decisions.
  • Supported KYC remediation and EDD reviews for higher-risk business clients, applying sanctions, PEP, and adverse media screening.
  • Produced credit and risk reports using Excel and contributed to portfolio monitoring with data-driven insights.
  • Leveraged SQL and Power BI to extract and analyze business credit portfolio data, identifying emerging risk trends and supporting management decisions with clear visual insights.

Education

Master of Science - Management & Finance

Birmingham City University (BCU)
Birmingham, England
01-2024

Bachelor of Commerce (B.Com) -

Mahatma Gandhi Kashi Vidyapith
Varanasi, India
01.2015

Professional Certifications -

Certified Anti-Financial Crime Specialist (CAFS) — UK, 2023
London, United Kingdom

Skills

  • AML & KYC (CDD, EDD, SDD) Fraud Risk Investigations Sanctions & PEP Screening
  • Credit Risk Assessment Portfolio Monitoring Regulatory Compliance (FCA, GDPR)
  • Data Analysis & Reporting: SQL, Power BI, Excel (Advanced), SAS (basic exposure)
  • Stakeholder Engagement Risk Review & Remediation Complex Problem-Solving
  • Client Onboarding & Remediation Regulatory Intelligence Adaptability & Change Management
  • Software & Tools: Microsoft Dynamics, SAMM (Service & Manage Members), LexisNexis, RDC, PCR

Languages

English
Full Professional
Hindi
Native or Bilingual

Timeline

Economic Crime Investigator - Fraud Operations

Nationwide Building Society
04.2024 - Current

Senior Associate - AML & Transaction Monitoring

American Express
07.2022 - 01.2023

Credit Risk Analyst - Business Credit

Concentrix Pvt Ltd
06.2021 - 07.2022

Master of Science - Management & Finance

Birmingham City University (BCU)

Bachelor of Commerce (B.Com) -

Mahatma Gandhi Kashi Vidyapith

Professional Certifications -

Certified Anti-Financial Crime Specialist (CAFS) — UK, 2023

Similar Profiles

CREATE PROFILE
Heena