Sharif Ali
Preston,Lancashire
Summary
Experienced professional with a strong background in operational risk management, regulatory compliance, and process optimisation. Proficient in implementing controls, business process modelling, and policy formulation to enhance organisational efficiency. Skilled in data analysis, reporting and MI, and utilising CRM systems to drive informed decision-making. Adept at cross-functional collaboration, stakeholder engagement, and applying agile and scrum methodologies to deliver impactful results. Committed to leveraging analytical expertise and process improvement strategies to support organisational growth and compliance objectives.
Overview
19
19
years of professional experience
Work History
Business Analyst | Change Transformation Project
NatWest
05.2023 - 05.2024
- Analytical and Problem-Solving: Strong ability to evaluate risks, identify root causes, and propose effective solutions
- Reporting and MI: Proficient in preparing high-quality reports and dashboards for operational and risk performance oversight
- As a business analyst in the banking sector, I managed diverse projects focused on business process optimisation, change transformation, and customer journey enhancements, including telephony initiatives
- Skilled in collaborating with cross-functional teams, including data specialists and IT professionals, I effectively contributed to project success and strategic goals
- Conducted business analysis in an agile environment to support successful project delivery
- Captured and translated business requirements into actionable deliverables and tasks
- Mapped current and future processes to define operating models for remediation activities
- Analysed data to identify prioritisation opportunities, enhancing project efficiency
- Supported leadership in project planning, control, progress reporting, and general business analysis
- Contributed to the development of project roadmaps, establishing key milestones and objectives
- Tracked progress against deliverables and reported outcomes to the project lead
- Identified, reported, and mitigated project risks, issues, and dependencies to ensure smooth progress
- Produced governance documentation, ensuring quality and approval for audit trails and assurance purposes
- Monitored operational vulnerabilities and collaborated with IT, risk, and telephony teams to address and mitigate risks
- Assessed the impact of vulnerabilities on business operations, prioritising remediation efforts for resilience
- Developed and implemented action plans for operational weaknesses, taking a proactive approach to risk management
- Contributed to continuous monitoring and reporting on vulnerability remediation efforts to ensure regulatory compliance and business assurance.
Business Analyst
Lloyds
08.2022 - 12.2022
- Change Transformation Project
- As a Business Analyst at Lloyds, I was responsible for managing, reporting, and tracking operational risks associated with the Technology Optimization (TO) program
- I was part of a large, sophisticated program that aimed to bring significant change across the business and was tasked with identifying associations and gaps while managing stakeholder activities
- My responsibilities included:
- Ensuring the successful delivery of a complex program while aligning it with both the program's and Lloyds Bank's requirements
- Being knowledgeable about the challenges facing the business, especially in IT and digital, and using my risk management skills to make informed decisions and drive continuous improvement
- Understanding the regulatory engagement process within the bank and having the ability to build strong relationships with key partners
- Working with various risk committees, including the COO DRC, and supporting the program from an operational risk perspective
- Aligning MI and reporting using tools such as Power BI and SNOW
- Managing stakeholders and interlocking delivery of risk mitigation plans
- Collaborating across the Tech Optimization Program and wider Group Transformation & Group CIO areas to ensure the appropriate escalation of risks to the Risk Committee
- Supporting the oversight of alignment to risk appetite through collaboration with Risk & Governance teams
- Facilitating relationships between Business Risk, Second Line Risk, Group Internal Audit, and regulators to resolve outstanding actions
- Working with Azure and GCP partners.
Business Analyst
BNY Mellon
06.2021 - 08.2022
- I was part of the wealth management compliance office, which was positioned within Legal Compliance and led by the Chief Privacy Officer
- My role was to assist in the implementation of standard projects aimed at the ongoing management and maintenance of the enterprise-wide risk management framework, which covered EMEA, APAC, LATAM, and North America
- I helped the program leads in evaluating existing processes to identify control gaps and assessed, monitored, and reported on the risks inherent in the financial industry
- I played a crucial role in contributing to the organization's compliance with the enterprise risk management framework by triaging risks and assisting in the development of processes and controls to manage them
- I monitored the control environment, remediated deficiencies, and monitored activities with moderate degrees of risk potential, all while increasing organizational awareness of the risk management framework
- I was also involved in cross-functional efforts to promote a strong risk culture, contributing to the development of cross-risk reporting for management on the outputs of risk management activities
- I built relationships with organizational managers to ensure the completion of risk-related deliverables and the resolution of issues in a timely manner, escalating any outstanding issues to the IT teams and presenting to steering groups as needed.
Sitel
05.2020 - 05.2021
- As a moderator, my role in the implementation of Public Health England's smartphone app for coronavirus contact tracing involved maintaining the accuracy and timely updates of scripts for the groups
- I was responsible for ensuring the Service Level Agreements were met on a daily basis, as well as keeping records of the performance and outcomes of the groups under my supervision.
Business Analyst
Deutsch Bank
08.2017 - 11.2019
- Wealth Management
- Focusing on regulatory requirement changes, reporting directly to the programme manager and supporting senior management in detailing and executing the strategy of Deutsche Bank Group in Geneva, London, Frankfurt, Singapore and New York
- Taking responsibility of work streams, working on the implementation of financial systems product as part of a migration programme and supporting the delivery against key milestones
- The project portfolio covers areas that apply to the entire Group as well as issues specific to the business divisions and infrastructure functions
- From leading and executing high impact strategic initiatives to driving reorganisation/restructuring measures and end-to-end process optimisation, to ensure project success from conception to final implementation
- Performing gap analysis and creating reports defining problem solving procedures to be used
- Deliver migration readiness activities, including data mapping, test scripting and pre-migration events planning, ensuring that tasks are completed accurately and are appropriately documented
- Ensure robust controls are in place and support those controls to maintain system integrity and mitigate risk
- Contribute to the delivery of migration readiness activities, including data mapping, test scripting and pre-migration events planning, ensuring that tasks are completed accurately and are appropriately documented
- Work with the business to define and document requirements for any changes impacting the system and articulating the proposed solutions for APAC and EMEA
- Analysing and assessing change projects for operational impacts and producing operational impact assessments
- Documenting business As is process flows using Visio and PowerPoint
- Managing multiple work streams
- Develop an enhanced client risk rating methodology and interface as well as a risk rating engine
- Working on AVALOQ platform
- Ensure all changes are documented and signed off by relevant stakeholders
- Provide analytical insights and make strategic recommendations for the full credit risk life-cycle.
Risk Compliance Analyst
Beaufort Securities
London
04.2016 - 07.2017
- Develop AS - IS and TO - BE process flows incorporating the process risks and contingency scenarios
- Providing and implementing a strategy regarding customer registration, verification, KYC, KYB, customer's due diligence (CDD) and enhanced due diligence (EDD) policies and processes to comply with the financial conduct authority (FCA) as a payment institution
- Documented business requirements, system/business process analysis, customer journeys & Swim lanes
- Use data mapping, modelling practices to analyse findings and data mining to create suggestions for strategic and operational improvements and changes
- Work with the SME to clearly understand the business processes and identify potential risks
- Monitoring the project schedules and milestones for product deliverables as assigned by the business
- Root cause analysis to identify strategy and improvement process on booking retail customer appointments and health check
- Keep abreast of regulatory developments and best practice to share information, as appropriate, to enhance the quality of the compliance programme and ensure that the information held in respect of clients on the firm's compliance database is accurate and up-to-date
- Lead project workshops and requirement gathering sessions
- Tracking project milestones, external dependencies and advised on escalation route
- Take full responsibility for quality and timeliness of own work and assist less experienced colleagues
- Deliver robust financial crime prevention systems and controls to support the implementation of the Data Protection
- Provide analytical insights and make strategic recommendations for the full credit risk life-cycle.
Operational Risk Analyst
Crown Agents
London
09.2015 - 02.2016
- To ensure an adequate & effective controls environment and through reviews and development of controls, testing, monitoring, root cause analysis, gap analysis and reporting
- Responsible for engaging the operational teams to obtain information and documentation and where appropriate providing feedback to drive best practice and improved control
- Make recommendations for controls and process improvements to the operational areas liaising where appropriate with all key stakeholders
- Complete process mapping from start to end customer journey in business application through online and call centre
- Credit Risk and Control
- Participating in assurance activities to assess the management and control of risk, using established RCSA methodologies, identifying control weaknesses and suggesting process/control improvements
- Review of RSCA output for consistency and data quality
- Methodology, planning, scoping, design adequacy, operating effectiveness, attestations, deficiency remediation, Loss events / near-miss capture; Committee and ORIC reporting
- To analyse risk and implement effective control in the operational process for external credit bureau reporting (CAIS reporting) ensuring the submission is in-line with agreed policies and processes and its data quality complies with the standards specified by the bureau and Information Commissioner's Office;
- Analyse risk associated with 3rd parties and implementing controls to mitigate risk
- (Pan Credit, Zoral)
- Lead and complete adhoc credit management information analysis and reporting, taking into account the broader business perspective including financial and operational issues
- Generation of recommendations for action and/or additional analysis and investigation
- Defining the 'to-be' systems architecture and associated data flow
- Identification of the Gap analysis between IT risk management coverage report and the monthly resource allocation sheet
- Provide analytical insights and make strategic recommendations for the full credit risk life-cycle
- Understanding and experience of using risk decision engines (Zoral)
Business Process Analyst
Co-Operative Bank
Manchester
01.2015 - 08.2015
Business Analyst
Selftrade Investment Group, Societe Generale
London
05.2014 - 12.2014
- Reviewing and redesigning income validation process including income documentation covering from employed to benefit income
- Operational Risk and Control
- Control Analysis for business change processes
- Manage requirements and delivery workshops
- Assist Senior Management in implementing corrective projects and action plans associated with Risk and Control deficiencies
- Produce detailed control framework visuals, clearly identifying the current control effectiveness and where necessary providing areas for improvement
- Present to line management process improvements
- Work with the control team to implement identified unnecessary or inadequate processes
- Identify possible automation of controls and test and work with relevant IT and Operations partners to implement solutions
- Implementation of new Risk and Control reporting and governance structures
- Work with individual teams and business lines on the continued development of supervision and escalation framework, The Project: To support the maintenance of Process models by working alongside with all business functions, supporting Business Change initiatives
- To provide guidance as the first line of defence in terms of operational risk appetite, the operational risk management framework, operational risk systems and an assessment of controls in future state
- Development and documentation of clear Functional and Non-Functional requirements, scoping and requirement elicitation
- Participated in project planning and status meetings, identify risks and mitigations and provide internal status updates according to plan
- Generate business requirements documentation, with minimal direction, through facilitated work sessions with stakeholders;
- Develop business process models (current state vs
- Future state) and perform business process analysis and redesign using Microsoft Visio
- Develop and enhance end user documentation for applications, including report mock-ups, reference manuals, training materials, communication presentations, procedures and support manuals
- Identify potential business process improvements
- Document workflows and results of business analysis in order to obtain sign-off from stakeholders on outputs
- Responsible for reviewing and assessing the impact of change on existing process, ensuring the control framework is not compromised
- Responsible for identifying gaps in process and reporting associated risks and implementing change controls
- Provide analytical insights and make strategic recommendations for the full credit risk life-cycle.
Business Analyst KYC
First Trust Bank
Belfast
10.2013 - 12.2013
- I am delivering exceptional business performance by conducting, producing and circulating daily data analysis and responsible for general assessment of change requests for risk & impact to the business, ensuring that changes are compliant with governance
- I carried out analysis and duties including change analysis, preparation of stakeholder agendas, follow up meeting actions, and providing general process and tool assistance to the user community
- Working to oversee the delivery of the project closely with other teams, such as payments, customer registrations/verification, customer due diligence (CDD, KYC), fraud as part of the investigative process or to provide specialist advice
- In doing so I am executing the Specialist Complaints strategy of improving our performance as well as build a strong relationship with the business and ensure we meet requirements set out by FCA and working within a compliance function
- Produce a detailed client review write up in the KYC system
- Producing regular reports
- Ensure all required AML / KYC Regulatory requirements for existing clients are in place
- Analysing complex data and information
- Working within a compliance function and alongside global payments team
- Managing diverse stakeholders
- Escalating any emerging risks
- Project change impact assessments
- Provide analytical insights and make strategic recommendations for the full credit risk life-cycle.
Business Analyst
Santander
Milton Keynes
05.2013 - 08.2013
- I am working in the internal governance and control as a policy consultant working on developing and implementing policy review and improvement
- Policy design and implementation, Conduct risk management and complaint strategy for overall improvement of business process and performance
- Project relates to all the brands of Santander and covers all sites in U.K
- Am writing and implementing policies and procedure manuals as well as guidance within the PPI Complaints Department
- Conducting Gap analysis work and creating framework for the business
- Ensure all required AML / KYC Regulatory requirements for existing clients are in place
- Experience with working on consumer credit act legislation and the impact it has to a financial services business - processes, procedures and systems
- Writing and implementing policies for the investigation of mis-sold products including Mortgage Payment Protection Insurance (“MPPI”) and Income Replace Policy mis-selling
- Compliance with FSA Handbook including DISP rules, GISC & Data Protection
- Identifying risk factors leading to Past Business Reviews (“PBRs”) and assisting in supporting PBR projects
- Process and implement privacy impact assessment providing feedback on quality checking and assessing
- Writing training materials, producing training packs and delivering training to set timescales
- Working to deadlines in providing support in preparing reports for FSA & FOS regarding complaint handling
- Implementing FOS feedback into policies across operations
- Awareness of risk factors associated with Alliance & Leicester Time Bar and selling of Santander PPI products including Santander Card PPI
- Define, execute and monitor metrics to support the validation of data quality in both Risk and source systems that provide data
- Perform enhanced due diligence on current or prospective client relationships to identify potential risk issues
- Handling sanctions related payments escalations from Treasury
- Conducting monitoring and surveillance of the firm's highest risk clients
- Draft policies and procedures
- Conduct training on the relevant law, regulation and best practice
- Designing and implementing different type of framework for complaint strategy using Zachman framework
- Deliver improvements to the quality of data in the systems supported/reconciled, facilitated by the use metrics and analysis
- Provide advice to business areas within the Bank of Anti-Money Laundering issues, Bribery and Corruption, as well as fraud
- Undertake volume data quality checks at account level to support the delivery of improved quality and increased efficiency across the business Build and maintain strong working relationships across multiple teams and sites
- Recommendation of process changes within product areas in accordance with the findings of the Root cause analyst team
- Present findings and recommendations to Executive stakeholders, detailing projected benefits and associated cost reductions
- Work with subject matter experts and project team to identify, define, collate, document and communicate the data migration requirements
- Designing and drafting various policies for business
- Developed risk matrix based on the policies and implementing necessary amendment to minimise risk
- Designing and drafting training material including AML / KYC for Case handler, Quality assurer and Managers
- Delivering training and Implement policies to make sure compliance framework in place for Santander
- To demonstrate that it has competitive staff equipped with skills, knowledge and expertise in place as required by business
- Developing open and supportive working relationships with all other areas within and external to Compliance
- Using data, reporting and analysis drive change initiatives to improve risk or control infrastructure
- Provide strategies to improve operations quality and mitigate AML risk through strategic metrics and KPIs
- Perform internal audit and monitoring undertaken in a Compliance function and policy implementation.
Business Analyst
Serco
02.2013 - 05.2013
- I was working as a test analyst with good experience of system testing internal systems and applications including Client, Claims, Policy, and Accounts
- I was administering the test planning and preparation activities as well as executing test plans and testing outcome
- Derive test scenarios
- Utilise exploratory testing to locate defects and record test coverage conducted
- Work closely with policy lead and stakeholders
- Contribute to planning, daily stand-ups and review/retrospectives
- Assist with training modules and delivery
Business Analyst
EU Ventures
Preston
07.2012 - 02.2013
- Working in AML & Sanctions team
- Responsible for providing KYC Compliance support to the business, as well as anti-money laundering (AML) monitoring and sanctions
- Screening for all EMEA booked business
- Act as the single point of contact for the client by addressing their issues and concerns and providing resolutions to their on-boarding queries
- Working hand-in-hand with internal stakeholders and within the on-boarding team to support the on-boarding of a client within tight timelines
- Provision of weekly MIS and ad-hoc reporting for the various Front Offices
- Participate in key projects for expansion of the role to ensure seamless implementation
- Ensuring the smooth and seamless on-boarding process for our clients and front-office
KYC Analyst
Royal Bank of Scotland
01.2012 - 07.2012
- Boarding & Off-Boarding)
- Liaised with big corporate clients (commercial and financial institutions) on boarding them by reviewing, amending and accepting legal, compliance and Citi documentation, assured that they comply with the regulations in place in the UK and worldwide for the company's bank account opening
- Collecting and documenting data, including alert, investigation, KYC information, relevant account and transaction data, plus any other required information to assist investigations
- Proactively manage the coordination of the end-to-end On-Boarding and Off-Boarding processes for customers, non-customers and internal accounts
- Provided guidance to clients on completing the documents conducting documentation walk-through calls and periodical conference calls on more complex projects with multiple entities
- Ensure day-to-day tasks are delivered and completed to a high standard ensuring a seamless, more controlled, streamlined, and higher quality on-boarding experience for all counterparties
- Established the initial customer risk assessment rating (CDD level) inputting the obtained KYC records in LEO (BAML system)
- Proactively assess areas for processes improvements; propose solutions and make changes as agreed with On-Boarding management
- Analysing investment documents.
Root Cause Analyst
KPMG, Lloyds
London
03.2011 - 09.2011
- Working as a Root Cause Analyst (RCA) providing client support, reviewing documents relating to payment protection insurance (PPI)
- Analysing documents provide key analytical support for the PPI Redress Programme, providing the Programme manager with accurate clear documentation as required
- Using excellent organisational knowledge of awareness, as well as the ability to identify and manage all key stakeholders to ensure analysis activities are on track
- Knowledge of FSA Supervisory Framework focusing including PS10/12 assessment framework
- Project management skills, demonstrated by a record of regulatory project delivery
- Strong root cause analysis (RCA) experience
- Being able to collate key business and financial MI from Compliance, Finance, Sales, Operations, Risk and Marketing
- Being able to collate individual root cause analysis report from individual business areas Compliance, Finance, Sales, Operations, Risk and Marketing
- Good Excel and data/chart mapping and documentation skills
- Strong analytical skills
PPI
RBS
Manchester
02.2010 - 11.2010
- Complaint Handling Banking, Loans & Credit Cards
- I am working as a claim's handler dealing with financial complaints and debt management / IVA's
- My main role involved me being the first point of contact for clients wanting their claims assessed and reviewed
- I am responsible for ensuring that the claims process is successfully managed through to a positive outcome by managing a caseload of active claims and liaising with various parties throughout
- Dealing with customer complaints regarding the mis-selling of payment protection insurance
- Decision-making with regards to whether complaints should be upheld or rejected
- Managing a caseload effectively
- Where necessary liaising with the customer in relation to their complaint
- Adhering to internal complaint handling standards.
HBOS Normanton
09.2009 - 12.2009
- Savings, Cards & Mortgages Complaint Handling
- I am responsible for handling complaint cases
- Investigating each case by assessing and reviewing complex complaints, including decision making to a successful conclusion
- Working towards high quality assurance processes and managing time specific caseloads
- Working within policies which are FSA regulated
- I have strong, effective communication skills verbal and writing
- I work well independently and with timescales
- I have strong customer service experience in a face-to-face environment and a good telephone manner
- Investigating complaints thoroughly within FSA regulated guidelines
Business Analyst
Alliance Leicester, Santander
02.2009 - 09.2009
Business Performance Assistant
Lancashire County Council
06.2008 - 01.2009
Junior Business Analyst
Cash Co Ltd
Preston
09.2005 - 04.2008
Education
Bachelors - Business Administration
UCLAN
Preston, Lancashire 01.2002 - Select/2006
Diploma - AML
UCLAN
Preston, Lancashire /2002 - /2006
Skills
- Operational Risk Management
- Controls Implementation
- Regulatory Compliance
- Stakeholder Engagement
- Process Optimisation
- Analytical and Problem-Solving
- Reporting and MI
- Knowledge of crm systems
- Microsoft Visio
- Process Improvement
- Regulatory compliance
- Data analysis
- Risk Management
- Business process modelling
- Policy formulation
- Process improvements
- Cross functional collaboration
- Data interpretation
- Agile and scrum methodologies
- Jira and confluence proficiency
- Business intelligence tools
- Requirement gathering
Timeline
Business Analyst | Change Transformation Project
NatWest
05.2023 - 05.2024
Business Analyst
Lloyds
08.2022 - 12.2022
Business Analyst
BNY Mellon
06.2021 - 08.2022
Sitel
05.2020 - 05.2021
Business Analyst
Deutsch Bank
08.2017 - 11.2019
Risk Compliance Analyst
Beaufort Securities
04.2016 - 07.2017
Operational Risk Analyst
Crown Agents
09.2015 - 02.2016
Business Process Analyst
Co-Operative Bank
01.2015 - 08.2015
Business Analyst
Selftrade Investment Group, Societe Generale
05.2014 - 12.2014
Business Analyst KYC
First Trust Bank
10.2013 - 12.2013
Business Analyst
Santander
05.2013 - 08.2013
Business Analyst
Serco
02.2013 - 05.2013
Business Analyst
EU Ventures
07.2012 - 02.2013
KYC Analyst
Royal Bank of Scotland
01.2012 - 07.2012
Root Cause Analyst
KPMG, Lloyds
03.2011 - 09.2011
PPI
RBS
02.2010 - 11.2010
HBOS Normanton
09.2009 - 12.2009
Business Analyst
Alliance Leicester, Santander
02.2009 - 09.2009
Business Performance Assistant
Lancashire County Council
06.2008 - 01.2009
Junior Business Analyst
Cash Co Ltd
09.2005 - 04.2008
Bachelors - Business Administration
UCLAN
01.2002 - Select/2006
Diploma - AML
UCLAN
/2002 - /2006
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