KHIZAR BUNGISH

• Supporting a rapidly scaling, digital-first UK bank client by conducting periodic and event-driven reviews across personal and business banking accounts.
• Performing comprehensive KYC/AML reviews on entities with complex ownership structures, including multi-tiered corporates, offshore vehicles, and trusts, to accurately identify UBOs and controllers.
• Utilising an innovative, all-in-one system (“Management Portal”) that integrates customer data, transaction history, screening results, and documentation workflows — significantly enhancing efficiency compared to legacy systems used in traditional banks.
• Conducting end-to-end CDD and EDD reviews in line with FCA, JMLSG, and 5MLD standards, with a focus on maintaining data integrity and audit readiness.
• Completing sanctions, PEP, and adverse media screening using tools such as World-Check, Lexis Nexis, CIFAS, and SIRA, with results integrated into the portal for streamlined review.
• Monitoring transactional behaviour across product lines (current accounts, business accounts, etc.) and escalating suspicious activity in collaboration with Compliance and MLRO teams.
• Liaising directly with customers and internal stakeholders to collect documentation, clarify discrepancies, and ensure timely resolution of risk factors.
• Maintaining clear audit trails and contributing to SAR/UAR preparation where appropriate.
• Supporting continuous improvement of the financial crime framework and offering feedback on the Management Portal’s functionality to align with regulatory requirements and operational needs.
• Remote

• Conducting end-to-end KYC and AML reviews across a broad range of personal and business banking products including mortgages, credit cards, savings, and current accounts.
• Performing transaction monitoring to detect unusual or suspicious activity, ensuring alignment with customer profiles and expected behaviour.
• Reviewing customer documentation for accuracy and completeness, including identification, verification, and source of funds/wealth as applicable.
• Completing periodic and event-driven reviews in accordance with internal policy and risk appetite, escalating high-risk cases where necessary.
• Conducting detailed PEP and sanctions reviews, including screening against relevant watchlists and adverse media using tools such as World-Check and Lexis Nexis.
• Investigating discrepancies, preparing clear audit trails, and contributing to Suspicious Activity Reports (SARs) and internal risk memos.
• Liaising with internal teams (Compliance, Risk, QC) and customers to gather further information or clarify issues during the review process.
• Maintaining up-to-date knowledge of AML regulations, data privacy laws, and evolving financial crime typologies to ensure best practice in reviews.
• Remote

• Conduct thorough reviews of customer accounts to ensure compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.
• Collate and verify Identification & Verification (ID&V) documents, including proof of identity, proof of address etc
• Perform customer screening using relevant tools to identify sanctions, politically exposed persons (PEPs), and adverse media matches.
• Conduct regular and periodic reviews of customer accounts in line with risk-based approaches and company policies.
• Communicate with customers via telephone, email, and letter to request, clarify, and follow up on required documentation.
• Investigate discrepancies or red flags during reviews, escalating high-risk or complex cases to senior management or compliance teams.
• Maintain accurate, organised, and up-to-date records of customer reviews and supporting documentation.
• Stay updated on regulatory changes to ensure KYC processes remain compliant with UK regulations and industry standards.
• Support audit processes, compliance reporting, and management information (MI) updates related to KYC and AML activities.
• Provide excellent customer service while ensuring data protection, confidentiality, and regulatory adherence.
• Collaborate with internal teams to identify and address potential risks and process improvements.
• Remote

• Analysing transaction patterns on individual and corporate business accounts to detect irregularities and potential indicators of fraud.
• Conducting screening of alerts and adverse media to identify potential financial crime risks associated with individuals and entities.
• Monitoring and analysing transactions for suspicious activities, including money laundering, terrorist financing, and other financial crimes.
• Reviewing cash transactions, international payments, and account activity to ensure alignment with the nature of the business, raising UARs when necessary.
• Investigating and resolving chargeback disputes while adhering to industry regulations and internal policies.
• Preparing and submitting accurate and timely SARs to relevant authorities in compliance with regulatory requirements.
• Documenting findings and preparing detailed investigation reports for senior management and compliance officers.
• Liaising with customers, merchants, and card issuers to gather necessary documentation and evidence for dispute resolution.
• Utilising data analysis tools and software to identify trends, anomalies, and patterns indicative of fraudulent activity.
• Generating regular reports on fraud incidents, SARs, and chargeback disputes for review by senior management and regulatory bodies.
• Reviewing systems such as SIRA, CIFAS, World Check and Experian to uncover adverse media and other negative information related to entities and individuals.
• Writing detailed reports reflecting risk analysis of customers and recommending whether accounts should be exited or retained.
• Developing and implementing data-driven strategies to mitigate fraud risks and improve detection capabilities.
• Ensuring all investigative and reporting activities comply with legal and regulatory standards, including AML (Anti-Money
• Laundering), KYC (Know Your Customer), and transaction monitoring requirements.
• Staying informed about changes in financial crime legislation and updating internal policies and procedures accordingly.
• Assisting in internal and external audits by providing necessary documentation and insights into fraud prevention.
• Working closely with compliance teams to enhance the organisation’s financial crime prevention framework.
• Providing training and support to team members and other departments on fraud detection, SAR reporting, adverse media screening, and chargeback processes.
• Participating in industry forums and professional networks to share knowledge and stay updated on best practices and emerging threats.
• Raising concerns around suspicious activity or transactions with Subject Matter Experts and the compliance team.
• Remote

Senior KYC Analyst

Private Bank / Tier 1 Bank

• Supported the delivery of a large-scale KYC remediation programme for Tier 1 banking clients, coordinating analysts, SMEs, and stakeholders to progress complex case populations and meet regulatory deadlines.
• Conducting end-to-end first-time file reviews and remediating entity types including Individuals, Sole Traders, Partnerships, Charities, Clubs & Societies, Limited Companies and Trusts.
• Reviewing and building ownership structures using Companies House and public source due diligence.
• Performing screening on client legal and trading names and all connected parties including beneficial owners, directors, and group entities.
• Identifying and verifying Source of Funds and Source of Wealth, obtaining documentation such as Trust Deeds and Bank Statements in line with internal policy.
• Completing extensive due diligence investigations using public and private databases in accordance with AML and regulatory standards.
• Reviewing transactions and account activity to ensure payments align with expected client behaviour.
• Conducting adverse media and negative news screening on individuals and entities.
• Performing targeted due diligence on high-risk sectors including High Value Dealers, Arms & Defence, Precious Metals, and Scrap & Waste businesses.
• Conducting site due diligence to assess operational plausibility of high-risk businesses.
• Training new starters through case walkthroughs and presentations on procedures and policies.
• Arranging meetings between Analysts and QC teams to review feedback and improve case quality.

Client Relationship Manager

• Managing client relationships and acting as a key point of contact for stakeholders across remediation and onboarding activities.
• Attending client calls and panel discussions to provide updates on case progress and remediation strategy.
• Maintaining a high-level understanding of all files within the population to communicate risks, priorities, and delivery progress.
• Liaising directly with clients and internal teams to obtain documentation and resolve complex KYC queries.
• Managing priority books of work and ensuring stakeholder expectations and regulatory deadlines were met.

Operations Advisory

• Supporting the wider operation in progressing complex files to completion within strict regulatory deadlines.
• Applying a risk-based approach to remediation activities and tailoring treatment strategies to ensure compliance with policy and regulatory requirements.
• Collaborating with SMEs and operational teams to resolve complex issues and unblock case progress.
• Supporting and covering Operational Management during progress reporting meetings with senior client stakeholders.
• Reviewing and updating MI data, reporting status, delivery progress, and risks to operational leadership.
• Engaging with analyst teams to drive case completion across remediation populations.

KYC Analyst

Tier 1 Investment Bank

• Identifying, verifying, and evidencing full KYC profiles of clients from EMEA, APAC, and North America including hedge funds, private equity firms, SPVs, trusts, multinational banks, pension funds, mutual funds, and financial institutions.
• Conducting reviews in accordance with the client’s Local and Global KYC Standards.
• Demonstrating knowledge of international regulators including SEC, FINRA, FCA, Central Bank of Ireland, MAS, and the Hong Kong SFC.
• Reviewing account activity and payments to ensure alignment with client agreements and expected transactional behaviour.
• Conducting due diligence, reputational checks, and enhanced due diligence in line with regulatory standards.
• Working closely with Global Financial Crime (GFC) and Regulatory Interpretation & Operational Advisory (RIOA) teams to ensure compliance requirements were met.
• Utilising Bankers Almanac, LexisNexis, and World-Check to perform screening and obtain up-to-date documentation for KYC periodic reviews.
• Leading discussions on policy interpretation and process issues, contributing to continuous improvement initiatives.

• Resolving cases from receipt to conclusion; both written (Final Response Letters) and verbal ensuring the correct redress applied where applicable.
• Liaising with internal departments for investigation and resolution for other issues and errors including payments, settlements and general banking
• Main point of contact in the department for all enquiries and seeing these through to resolution, covering al PPI and MPPI cases, researching further where required, aiming to establish the root cause of the complaints.
• Working with management in FOS preventions projects.
• Quality assurance on worked cases to ensure customer outcomes are correct. This allows me to provide feedback to colleagues and help them conduct their work in an effective manner to ensure the correct outcome for the customer and client
• Contract

• Completed full reviews on various types of entities, including, Hedge funds, Mutual funds, Financial Institutions, Charities, complex entities, LLCs, Limited Companies and Partnerships.
• Analyse client data on file, to understand the necessary requirements and identify any changes since the last review that may impact on current/future reviews.
• Ensure client reviews are in line with policy and compliant with legal and FCA requirements.
• Performing Enhanced Due Diligence on high-risk entities whilst also completing Sanction checks to ensure there is no affiliation with sanction countries.
• Ensure KYC documentation on file is correctly sourced, stored and updated in accordance with client policy and requirements. Provide notes and commentary where necessary and attain verification where policy requires it
• Communicate with relationship managers and the client directly, when sourcing information not available from valid or approved sources
• Communicate with compliance teams and Subject Mater Experts, recommending logical solutions and alternative processes, when faced with unusual or complex scenarios that standard policy would not account for.
• Trace company ownership structure/hierarchy, to identify all relevant beneficial and ultimate beneficial owners
• Conduct Screening on the entity and any relevant connected parties including PEPs, Beneficial owners, alias names and other related individuals. Report back to the compliance team regarding any concerns, negative news or materially significant information
• Raise any concerns around suspicious activity/transactions with the Subject Matter Experts and compliance team.
• Permanent

• Ensuring the completion of all required Know Your Customer (KYC) reviews, triggers and request for information activities in line with AML/Sanctions policies and procedures;
• Identify and verify customers and businesses using various sources such as government-maintained registers and requesting relevant, up-to date ID.
• Providing subject matter expertise, guidance and support to Relationship Managers and other colleagues to effectively manage financial crime risk, escalating where appropriate;
• Exercising judgment and critical thinking to make good financial crime risk decisions;
• Completed full reviews on various medium to high-risk entities, including, Trusts, Mutual funds, Financial Institutions, Charities, complex entities, Limited Companies and Partnerships.
• Monitoring accounts, reviewing cash transactions, international payments and raising UAR’s if activity is not in line with the nature of business.
• Writing detailed reports reflecting the risk analysis of customers and ultimately recommending customers to be exited or retained with the Bank
• Owning and driving completion of cases until it is passed through to quality control); and complete the approval by writing a Risk Support Statement where necessary
• Support the continued evolution of policy and governance frameworks across HSBC by attending regular training.
• Contract

• Dealing with A&L, abbey, Santander and cahoot secured and unsecured loans.
• Assessing complaints and producing decision letters in accordance to approved policies and procedures whilst working closely with other relevant external organisations.
• Expert knowledge of the complaint handling process in accordance with FSA guidelines, with working knowledge of financial ombudsman service referrals.
• Excellent influencing skills with the ability to deal with people at all levels
• Delivering service excellence by efficient problem solving and reacting to customer situations
• Liaising with internal departments for investigation and resolution for other issues and errors including payments, settlements and general banking
• Main point of contact in the department for all enquiries and seeing these through to resolution, covering al PPI and MPPI cases, researching further where required, aiming to establish the root cause of the complaints.
• Working with management in FOS preventions projects.
• Contract

• Resolving cases from receipt to conclusion; both written (Final Response Letters) and verbal ensuring the correct redress applied where applicable.
• Effective investigative skills with the ability to both analyse data taking into consideration the impact to customers as well as financial regulations.
• Delivering root cause analysis for every case and to make necessary changes in processes or recommendations to avoid repetition of such concerns.
• Evaluating the effectiveness of new processes implemented for risk or further problematic issues.
• Providing confidence to clients using excellent people management skills including tact and negotiating to ensure cases are being handled efficiently and in accordance with FSA rules and regulations. Making sure that the FSA “Treating Customers Fairly” charter is adhered to for every case.
• Evaluating re-occurring issues and implementing process and procedures to eliminate the problems.
• Identifying opportunities and recommending changes for overall improvement with the focus on reducing complaints and driving up customer satisfaction.
• Ensuring record keeping meets the regulatory requirements and includes setting up and maintaining fills and recording all complaints on relevant databases.
• Supporting all internal banking departments in addressing concerns and delivering compliant handling training.
• Contract

• Handling and managing complaints received from clients relating to Mortgage secured PPI, Financial Ombudsman Service and escalated referrals from senior management; working complaints from CMC and other third parties, ensuring correct procedures are adhered and that the department is following all regulatory guidelines.
• Resolving complaints from receipt to conclusion; both written (Final Response Letters) and verbal ensuring the correct redress applied where applicable.
• Effective investigative skills with the ability to both analyse data taking into consideration the impact to customers as well as financial regulations.
• Delivering root cause analysis for every complaint and to make necessary changes in processes or recommendations to avoid repetition of such concerns.
• Evaluating the effectiveness of new processes implemented for risk or further problematic issues.
• Providing confidence to clients using excellent people management skills including tact and negotiating to ensure cases are being handled efficiently and in accordance with FSA rules and regulations. Making sure that the FSA “Treating Customers Fairly” charter is adhered to for every case.
• Evaluating re-occurring issues and implementing process and procedures to eliminate the problems.
• Identifying opportunities and recommending changes for overall improvement with the focus on reducing complaints and driving up customer satisfaction.
• Ensuring record keeping meets the regulatory requirements and includes setting up and maintaining fills and recording all complaints on relevant databases.
• Supporting all internal banking departments in addressing concerns and delivering compliant handling training.
• Contract