Qasim Saddique
Summary
Experienced TM professional with a strong background in regulatory compliance, client onboarding, and risk assessment. Extensive experience in both Corporate and Retail banking, working high volumes of alerts, trained in all TM typologies.
Overview
7
7
years of professional experience
10
10
years of post-secondary education
Work history
File Review - Personal / Asset Wealth
Huntswood
06.2025 - 10.2025
- Conduct end-to-end Customer Due Diligence (CDD) reviews across various jurisdictions and entity types.
- Ensure compliance with AML/KYC regulations, identifying and addressing any gaps in documentation.
- Work closely with Asset Managers, handling client servicing, client integration, and relationship management throughout the KYC process.
- Engage with internal stakeholders, including Front Office and Compliance teams, to facilitate the completion of KYC files.
- Perform screening checks for sanctions, PEPs, and adverse media using third-party tools.
- Maintain a consistent and high-quality approach to KYC processes while meeting strict project deadlines.
Transaction Monitoring
Hazell Carr
02.2025 - 06.2025
- Monitor and analyse transactions to detect potential money laundering activities.
- Conduct thorough reviews of customer accounts flagged for suspicious activity.
- Prepare detailed reports for internal stakeholders and regulatory bodies.
- Support the implementation of AML policies and procedures across the organisation.
- Collaborate with other departments to ensure compliance with financial regulations.
- Provide insights and recommendations on improving financial crime detection systems.
- Keep up-to-date with relevant regulatory changes within the financial services sector.
Financial Crime Consultant Transaction Monitoring – Corporate & Retail Banking
Santander
06.2022 - 10.2024
- TM - Conduct daily monitoring and review of fiat and cryptocurrency transactions to detect unusual or potentially suspicious activity in accordance with internal policies and regulatory requirements. Reviewed cash, cheques, bank transfers, deposits, withdrawals, crypto, high risk countries and more. Trained on all trigger types from Corporate and Retail banking.
- Conducted in-depth KYC investigations and enhanced due diligence (EDD) for high-risk clients, ensuring compliance with AML regulations and internal policies.
- Suspicious Activity Reporting: Escalate findings and prepare detailed reports, including Suspicious Activity Reports (SARs), ensuring all documentation is accurate and submitted within required timeframes.
- Data Analysis: Analyse transaction data to identify emerging trends, typologies, or unusual patterns that could indicate potential financial crime, including money laundering or fraud.
- Managed complex casework and high volume of casework delivering subject matter expertise in areas such as PEP’s and sanctions
- Prioritized workflow and case management to meet deadlines, avoid regulatory breaches, and maintain high-quality standards across all deliverables.
File Review Investigator
Financial Ombudsman Service
12.2021 - 04.2022
- Detailed investigation into possible fraudulent applications with customer contact and reviewing proof documents. Building a strong rationale to explain my decisions.
- Reviewing all evidence and documentation through multiple channels, including letter, emails and recorded calls
- Effectively manage complaints regarding regulated products and ensure response to within prescribed regulatory timescales
- Investigations completed in a timely manner due to business needs and back-log whilst ensuring excellent quality of work
- Liaising with multiple departments, updating stakeholders, and navigating through banking and in-house bespoke systems
- Responsible for own caseload and achievement of regulatory deadlines
- Proactively identifying solutions through root cause and providing feedback where applicable to prevent potential on-going issues
- Meeting high daily targets
- Handling large amounts of calls both inbound and outbound
Transaction Monitoring Analyst
TSB Bank
10.2021 - 12.2021
- Complete investigations in response to a variety of trigger events that include automated transaction monitoring alerts (Level 1-2).
- Reviewing transactions to identify any Money Laundering or Terrorist Financing cautionary flags and rapidly dispositioning them after review and annotating adequate comments
- Creating and maintaining accurate and concise records of all investigations undertaken including details on the rationale for any decisions made.
- Where there are grounds for suspicion, escalating concerns through filing internal SAR reports.
- Acknowledging, analysing, and conducting fraud/AML related Alerts; requesting additional details, executing due diligence process; Performing independent research via internal and external source.
- Analysing alerted transactions or trades for potential money laundering and terrorist financing risks
- Able to draw own conclusions based on relevant data and make the right decisions, considering both the business and customer outcomes.
- Manage a large and varied volume of investigations effectively and efficiently.
- Meticulous and organised with ability to manage own workload.
TM Case Handler
Equiniti / Hazell Carr
01.2021 - 07.2021
- Complete investigations in response to a variety of trigger events that include automated transaction monitoring alerts.
- Reviewing transactions to identify any Money Laundering or Terrorist Financing cautionary flags and rapidly dispositioning them after review and annotating adequate comments
- Creating and maintaining accurate and concise records of all investigations undertaken including details on the rationale for any decisions made.
- Where there are grounds for suspicion, escalating concerns through filing internal SAR reports.
- Acknowledging, analysing, and conducting fraud/AML related Alerts; requesting additional details, executing due diligence process; Performing independent research via internal and external source.
Transaction Monitoring Analyst
HSBC
11.2020 - 01.2021
- Complete investigations in response to a variety of trigger events that include automated transaction monitoring alerts (Level 1-2).
- Reviewing transactions to identify any Money Laundering or Terrorist Financing cautionary flags and rapidly dispositioning them after review and annotating adequate comments
- Creating and maintaining accurate and concise records of all investigations undertaken including details on the rationale for any decisions made.
- Where there are grounds for suspicion, escalating concerns through filing internal SAR reports.
- Acknowledging, analysing, and conducting fraud/AML related Alerts; requesting additional details, executing due diligence process; Performing independent research via internal and external source.
- Analysing alerted transactions or trades for potential money laundering and terrorist financing risks
- Able to draw own conclusions based on relevant data and make the right decisions, considering both the business and customer outcomes.
- Manage a large and varied volume of investigations effectively and efficiently.
- Knowledge of assessing and discounting alerts where not financial crime risk has been identified
Consequential Loss File Reviewer – Mortgages
AMS – Royal Bank of Scotland
02.2019 - 07.2020
- File Review – Review customer files to establish extent of customer detriment due to Bank actions. In depth investigation to assess how to remediate customer based on prior actions
- Calculation – Calculating consequential loss based on the actions customer took due to Bank communications. In depth knowledge of pensions, bonds, shares and other repayment vehicles
- Evidence Review – Requesting evidence to substantiate claims, review and send a bespoke final decision letter. Using bespoke KPMG systems as well as multiple banking programmes
- Vulnerable Customers – Identifying and handling customers with empathy, following procedures for consent and recording
- Support – Providing support for customers during difficult life events through a range of avenues – Phone, SMS, Encrypted Email and post. Making the customer experience a priority
- Investigation – Investigating customers account activity pre and post the remediation process to identify unusual account activity. Identify unusual small & large credits to discuss with customer later at file review stage
- Complex Complaints – Logging and resolving complaints within FOS timescales. Handing both inbound and outbound calls to discuss complaints before sending bespoke final decision letters due to nature of cases. In depth quality check therefore spelling had to be perfect.
Transaction Monitoring Case Handler
Curve Group – Co-operative Bank
11.2018 - 01.2019
- Experience in a compliance function, specifically involved in Transaction Monitoring and Financial Crime.
- Understanding how to analyse customer data, and what suspicious activity means. Confident to speak with customers. Performing due diligence measures and adhere to KYC/AML policies and procedures.
- Identifying transactions that are outside the ordinary business activities of customer accounts or suspicious in any form.
- Liaising with customers to obtain sufficient documentation and analysing documentation.
- Experience in obtaining and collating information required to raise a Suspicious Activity Report (SAR)
- Reviewing transactions which identify potential money laundering or terrorist financial flags and carrying out risk-based reviews.
- Periodic review/remediation of entities such as trusts, charities, pensions, private companies.
- Undertaking diligence checks, transaction monitoring and ongoing reviews
- Preparing and Escalating summary of findings for each individual review
- Observing industry trends and speaking up about potential opportunities to improve our tools, processes and products
KYC Analyst
Momenta
06.2018 - 08.2018
- Complete investigations in response to a variety of trigger events that include automated transaction monitoring alerts.
- Conduct objective, fair, thorough, and timely investigations into suspicious activity, that comply with
- Undertake periodic reviews of High, Low, and Medium risk clients, identifying and verifying information held via internal and external sources.
- Research and validate customer identification data/evidence using appropriate internal and external data sources.
- Conduct Dow Jones screening to identify PEP individuals under the Group Policy and matching new clients against high risks PEP’s database.
- Apply risk-based approach to develop a plausible statement in line with the customers’ business activity and conduct transaction monitoring.
- Engaging with internal stakeholders ensuring all records completed within a timely manner.
- Analysing automated transaction monitoring alerts of unusual and suspicious behaviour for potential money laundering and terrorist financing risks
- Experience of source of wealth/source of funds analysis
- Identifying transactions that are outside the ordinary business activities of customer accounts or suspicious in any form.
Education
BA (hons) - Accounting and Finance
Manchester Metropolitan University
09.2013 - 09.2016
A levels - Business (B) Sociology (B) Biology (B); AS level: Chemistry (C)
Greenhead College
09.2011 - 08.2013
GCSEs - 1A 2A’s, 6Bs, 1C including Maths (B) English (B)
King James’s School
09.2006 - 07.2011
INTERESTS & ACHIEVEMENTS
Languages: English (native), Punjabi (fluent), Urdu (conversational)
INTERESTS & ACHIEVEMENTS
IT: Advanced Microsoft Office & other applications., Full Clean Driving License
References
References available upon request.
Timeline
File Review - Personal / Asset Wealth
Huntswood
06.2025 - 10.2025
Transaction Monitoring
Hazell Carr
02.2025 - 06.2025
Financial Crime Consultant Transaction Monitoring – Corporate & Retail Banking
Santander
06.2022 - 10.2024
File Review Investigator
Financial Ombudsman Service
12.2021 - 04.2022
Transaction Monitoring Analyst
TSB Bank
10.2021 - 12.2021
TM Case Handler
Equiniti / Hazell Carr
01.2021 - 07.2021
Transaction Monitoring Analyst
HSBC
11.2020 - 01.2021
Consequential Loss File Reviewer – Mortgages
AMS – Royal Bank of Scotland
02.2019 - 07.2020
Transaction Monitoring Case Handler
Curve Group – Co-operative Bank
11.2018 - 01.2019
KYC Analyst
Momenta
06.2018 - 08.2018
BA (hons) - Accounting and Finance
Manchester Metropolitan University
09.2013 - 09.2016
A levels - Business (B) Sociology (B) Biology (B); AS level: Chemistry (C)
Greenhead College
09.2011 - 08.2013
GCSEs - 1A 2A’s, 6Bs, 1C including Maths (B) English (B)
King James’s School
09.2006 - 07.2011