About Nawfal
Expertise
With a master’s degree in International Business & Management, I have developed a keen interest in the economic sector. I’m a business-oriented consultant, open to new professional challenges, eager to work in a team or independently. I’m capable to proactively learn by himself and a dedicated member in my work environment. As a business analyst, I’ve good interpersonal skills and an analytical mind, and I can bridge the gap between business and IT.
• Large Banking & Insurance Experience,
• KYC, AML & Compliance Business Analysis,
• Perform in-depth investigations of PEPs and UBOs to determine their legitimacy and
potential exposure to financial crimes.
• Verify the sources of wealth and funds associated with PEPs and UBOs, ensuring
compliance with regulatory requirements.
• Collaborate with cross-functional teams to assess the potential impact of PEP and UBO
relationships on the company's risk profile.
• Process & Test management,
• Customer Accounts Expertise,
• Good Digital & Data Modelling knowledge,
• BPMN, UML & Visio.
French
Native or bilingual
English
Fluent
Dutch
Fluent
Spanish
Native or bilingual
Arabic
Native or bilingual
Can work on-site
Bruxelles (up to 50km)
Experience
- Crelan BEKYC-AML Business Process AnalystBANKING AND INSURANCEMay 2023 - Today (3 years and 1 month)Bruxelles, BelgiumConducted standard KYC/AML reviews for individual and corporateclients, ensuring compliance with regulatory requirements.• Performed due diligence checks including verification of UBOs, PEPscreenings, and review of sanctions lists.• Analyzed client transaction patterns to identify suspicious activities,escalating potential risks to the compliance team.• Validated client onboarding documentation, ensuring completenessand accuracy in line with AML/KYC regulations.• Enhanced end-to-end KYC/AML processes, identifying bottlenecksand recommending improvements for increased efficiency.• Collaborated with IT and compliance teams to automate manualprocesses and improve data quality in the KYC systems.• Developed and implemented new workflows to streamline clientonboarding and periodic reviews.• Led the implementation of digital tools to improve documentmanagement, reduce manual errors, and facilitate faster clientreviews.• Created real-time monitoring dashboards for tracking client reviews,onboarding statuses, and flagged transactions.• Provided continuous feedback and training to team members on newprocesses and regulatory updates, ensuring smooth adoption ofchanges.• Tools Dow Jones, NET-REVEAL, SNOW, OFSAA, World-Check
- CrelanBusiness Process AnalystMay 2023 - Today (3 years and 1 month)Period 05/2023-PresentRole Business Process AnalystTasks• Streamlined client onboarding and periodic reviews by implementing automated workflows.• Designed Power BI dashboards for real-time monitoring of flagged transactions and client statuses.• Enhanced KYC/AML processes by identifying inefficiencies and recommending data-driven solutions.• Trained teams on new tools and workflows to improve operational efficiency and compliance.• Tools: PostMan, Power BI, BPMN, SharePoint, Jira, Agile
- BelfiusBusiness Analyst/Functional AnalystBANKING AND INSURANCEJune 2022 - June 2023 (1 year)Bruxelles, BelgiumGathered business requirements from compliance and operations to identify pain points in the current AML/KYC process.• Documented functional specifications for IT teams, ensuring alignment with AML/KYC regulations.• Automated KYC verification processes using a machine learning, reducing manual validation time.• Integrated real-time screening tools for sanctions, PEP, and watchlist checks, providing instant risk updates.• Designed digital workflows to automate KYC request processing, incorporating risk-based approval steps.• Developed interactive dashboards for real-time tracking of KYC requests and high-risk transactions.• Led implementation of e-signatures for KYC contract validation, streamlining the client onboarding process.• Defined and executed test plans to ensure quality and performance of new features.• Provided training and change management support to help users adopt the new digital tools (Jira, Confluence, Power BI, SQL, Postman, Azure DevOps).
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Education
- Bachelor’s degree in Business Data AnalysisEPHEC2023This program provided a comprehensive understanding of the role of data in business decision-making processes. The curriculum focused on key areas such as data analytics, statistics, business intelligence, and predictive modeling. Throughout the program, you learned to utilize various data analysis tools and techniques to transform raw data into actionable insights, helping businesses make informed strategic decisions. Key courses included Advanced Data Visualization, Machine Learning Applications, and Business Process Optimization. Key Accomplishments: • Led a data-driven project that reduced operational costs for a fictional retail company by 15% through the implementation of predictive analytics and inventory management improvements. • Developed a data visualization dashboard that enhanced decision-making for business leaders by consolidating sales, customer feedback, and market trends in a user-friendly format. • Collaborated with cross-functional teams in a capstone project to analyze customer behavior data, resulting in a 10% increase in customer retention rates for a simulated e-commerce platform. • Awarded “Best Data Analysis Project” for creating a machine learning model that accurately forecasted market demand, optimizing the supply chain for a case-study business.