Oracle FlexCube
Malak Dashdamirova
Currency And Clearing Specialist, OJSC Kapital Bank
Baku
Overview
3
3
years of professional experience
Work History
Currency and Clearing Specialist
OJSC Kapital Bank
05.2024 - Current
- Ensured all currency and clearing operations complied with international and local regulatory requirements, mitigating risks related to currency transactions.
- Utilized financial systems and software to process transactions, manage data, and ensure system integrity.
- Monitor and analyze transactions to detect and report suspicious activities, ensuring compliance with AML/CTF regulations.
- Followed all company policies and procedures to deliver quality work.
- Maintain up-to-date knowledge of financial regulations and ensure all transactions are compliant with legal standards.
- Prepared and presented detailed reports on currency exchange and clearing activities, highlighting key metrics and performance indicators.
- Improved customer satisfaction rates through proactive problem-solving and efficient complaint resolution.
Corporate Customer Service Specialist
OJSC Bank Respublika
01.2022 - Current
- Handled the day-to-day operations of corporate accounts, including opening new accounts, managing account inquiries, and resolving issues efficiently.
- Oversaw the processing of high-value corporate transactions, ensuring accuracy and compliance with bank policies.
- Provided corporate clients with detailed information on banking products and services, assisting them in choosing the most suitable options for their needs.
- Monitored corporate account activities to detect and report suspicious transactions, ensuring adherence to AML and PLTMM regulations.
- Prepared detailed reports on corporate account activities, transactions, and customer interactions, ensuring accurate record-keeping.
- Prepared and presented regular reports on client activities, account performance, and service quality to senior management.
- Worked closely with other departments, such as Compliance and Risk Management, to ensure corporate clients received comprehensive support.
- Facilitated the onboarding process for new corporate clients, ensuring a smooth transition and integration of services.
Leading Retail Banking Specialist
OJSC Bank Respublika
9 2021 - 1 2022
- Provided personalized financial advice to customers, assisting them in choosing the most suitable banking products such as loans, credit cards, and savings accounts.
- Conducted thorough credit assessments, evaluating the financial status of applicants to determine their eligibility for various loan products.
- Identified, assessed, and managed risks associated with retail banking products, ensuring compliance with regulatory requirements and minimizing potential losses.
- Drove sales performance by setting and meeting targets for various retail banking products, including loans, credit cards, and investment services.
- Maintained and nurtured relationships with retail banking clients, ensuring high levels of customer satisfaction and repeat business.
- Monitored and managed the loan portfolio, analyzing performance metrics and taking corrective actions to optimize profitability and minimize defaults.
- Led training programs for junior staff, enhancing their knowledge of retail banking products and sales techniques.
- Performed due diligence on customers applying for loans and other financial products to ensure compliance with internal and external regulations.
- Identified opportunities to cross-sell additional products and services to existing customers, enhancing overall profitability.
Leading Account Specialist
OJSC Bank Respublika
3 2021 - 9 2021
- Oversaw and managed client accounts, ensuring that all services and products were delivered effectively and met clients’ needs.
- Provided expert advice and guidance on banking products and services, tailoring solutions to individual client requirements.
- Assessed and managed financial risks associated with client accounts, implementing strategies to mitigate potential issues.
- Ensured all account activities complied with regulatory standards and internal policies, including adherence to anti-money laundering (AML) and anti-terrorism financing (CTF) regulations.
- Conducted detailed financial analyses of client accounts to provide insights, recommend actions, and support decision-making processes.
- Prepared comprehensive reports and maintained accurate records of client interactions, transactions, and account activities.
- Worked collaboratively with internal teams to ensure cohesive service delivery and address any client-related issues efficiently.
- Stayed informed about market trends and competitor activities to effectively position banking products and services.
Account Specialist
OJSC Bank Respublika
2 2017 - 3 2021
- Managed and oversaw client accounts, ensuring all information was accurate, up-to-date, and compliant with bank policies.
- Performed regular reconciliation of accounts to ensure accuracy and prevent discrepancies.
- Prepared and maintained necessary documentation for account activities, ensuring compliance with legal and regulatory requirements.
- Identified and assessed risks associated with account activities.
- Monitored client transactions for potential suspicious activity, ensuring adherence to AML/CTF regulations.
- Conducted thorough customer due diligence processes to verify client identities and assess associated risks.
- Managed the process of opening and closing accounts, ensuring all procedures were followed and necessary documentation was collected.
Education
Fighting Modern Slavery And Human Trafficking (Part 1) -
ACAMS
06.2022
Terrorist Financing Course -
Basel Institute On Governance
06.2022
AML And Financial Crime Course -
Study Academy | The Compliance E-learning Experts
05.2022
Interests Anti-Money Laundering And Countering of Terrorist Financing Course -
Udemy
05.2022
Financial Crime Risk Management Course -
London Governance And Compliance Academy (LGCA)
05.2022
Risk Management Course -
International Business Management Institute (IBMI)
05.2022
Operations With Corporate Clients Course -
MBNP
04.2018
English Language Course -
INTUIT
05.2017
Basics of Finance Course -
HP
07.2016
“Customer Releationship Management (CRM)” -
HP
07.2016
“Engineering, Business And Management”
Azerbaijan Technical University
Azerbaijan, Baku 04.2001 -
“Banking”
Azerbaijan Finance And Economics College
09.2010
Skills
- Extensive knowledge of corporate and retail banking sectors
- Proficiency in managing corporate and individual client accounts
- Proficient in processing and managing payment transfers
- Excellent communication and interpersonal skills
- Monitoring of client transactions for indications of ML and sensitive transactions
- Expertise in AML and PLTMM regulations
- Knowledge of regulatory requirements and compliance standards
- Proficiency in financial reporting and documentation
- Strong understanding of financial products and services offered by banks
- Ability to analyze financial data and detect suspicious activities
- Basic SQL syntax knowledge
Personal Information
- Place of Birth: Azerbaijan
- Date of Birth: 05/12/1994
Software
Way 4 by Azericard
MS Office
Oracle OBIEE
State Customs Committee
Swift
Visa B2B Connect
Languages
Azerbaijani
Proficient
C2
Russian
Proficient
C2
English
Intermediate
B1
Interests
I have a strong passion for reading and literature I enjoy exploring different books and learning new things I am always eager to expand my knowledge and stay updated with new information
Timeline
Currency and Clearing Specialist
OJSC Kapital Bank
05.2024 - Current
Corporate Customer Service Specialist
OJSC Bank Respublika
01.2022 - Current
“Engineering, Business And Management”
Azerbaijan Technical University
04.2001 -
Leading Retail Banking Specialist
OJSC Bank Respublika
9 2021 - 1 2022
Leading Account Specialist
OJSC Bank Respublika
3 2021 - 9 2021
Account Specialist
OJSC Bank Respublika
2 2017 - 3 2021
Fighting Modern Slavery And Human Trafficking (Part 1) -
ACAMS
Terrorist Financing Course -
Basel Institute On Governance
AML And Financial Crime Course -
Study Academy | The Compliance E-learning Experts
Interests Anti-Money Laundering And Countering of Terrorist Financing Course -
Udemy
Financial Crime Risk Management Course -
London Governance And Compliance Academy (LGCA)
Risk Management Course -
International Business Management Institute (IBMI)
Operations With Corporate Clients Course -
MBNP
English Language Course -
INTUIT
Basics of Finance Course -
HP
“Customer Releationship Management (CRM)” -
HP
“Banking”
Azerbaijan Finance And Economics College
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