Joel Fernandes,CAMS
Mississauga,ON
Summary
Currently pursuing the "Commercial Banking & Credit Analyst" (CBCA) certification with CFI, showcasing dedication to enhancing skills in commercial banking and credit analysis. Client-centric Analyst with a strong foundation in AML/ATF, Sanctions/ABAC compliance, and risk management within the financial industry. Proven ability to prioritize client satisfaction through in-depth understanding of their needs and concerns. Adept at conducting thorough investigations and implementing risk identification and mitigation strategies to ensure regulatory compliance. Proficient in Python for data analysis and VBA for process automation. Demonstrated track record in improving operational efficiency, reducing risk, and enhancing control frameworks.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Analyst, AML Due Diligence
Toronto Dominion Securities
07.2022 - Current
- Client-Centric AML/ATF Specialist, serve as a dedicated specialist in Anti-Money Laundering (AML)/Anti-Terrorist Financing (ATF), Sanctions, and Anti-Bribery and Corruption (ABAC) matters, ensuring robust support for internal business units. Prioritize client satisfaction through an in-depth understanding of their needs and concerns.
- Comprehensive Risk Management, conduct thorough end-to-end investigations, providing actionable recommendations on AML/BSA Sanctions and ABAC matters. Implement risk identification, analysis, and mitigation strategies in alignment with regulatory requirements and industry best practices. Proactively identify and manage risks while highlighting non-standard, high-risk transactions.
- Credit-Focused Portfolio Oversight, Manage oversight of Corporate Cash Management, Corresponding Banking, Fixed Income, and Derivatives and Lending portfolios with a primary focus on Anti-Money Laundering (AML) compliance. Apply keen expertise in credit analysis to assess balance sheets, ensuring a comprehensive understanding of client financial health. Implement meticulous attention to AML protocols and proactive risk mitigation strategies to enhance client and internal team satisfaction.
Risk Management Analyst, Governance & Control, Internal Audit
Toronto Dominion Bank Financial Group
08.2021 - 07.2022
- Strategic Reporting Enhancement, lead the conceptualization, design, and implementation of innovative methods for monthly reporting. Successfully introduced refreshed presentation decks for AVPs, contributing to more effective and visually impactful reporting.
- Risk Assessment and Control Oversight, Played a key role in performing Annual Risk Assessments, evaluating processes based on inherent impact and likelihood. Conducted ongoing testing of key controls and requirements across all TD PDBE Businesses. Ensured exceptions were thoroughly analyzed, reported, and tracked to resolution.
- Collaborative Control Framework Development, Collaborated with business stakeholders to develop and enhance key controls, addressing documentation and process gaps to reduce risks. Supported Control Partners Engagement in designing and operating effective testing programs. Applied sampling methodology in accordance with TD guidelines, ensuring efficient detection of gaps in internal processes and controls.
Loan and Mortgage Specialist
Toronto Dominion Bank Financial Group
03.2020 - 08.2021
- Assisted with personal loan products post-funding fulfilment, paid-out and discharged personal mortgages and Lines of Credit as per SLA
- Adhered to all operational, security, risk and regulatory policies and procedures
- Reduced time spent on procedures by developing and implementing Macros using VBA to automate work processes and help the department with work efficiency.
Commercial Fulfillment Officer
Toronto Dominion Bank Financial Group
08.2019 - 03.2020
- Contributed to success of business by meeting Service Level Agreements
- Ensures all reporting is completed by the due date and all tracking is appropriately recorded
- Proactive in identifying and justifying process changes to management
Accounting/ Production Analyst
Crosslink Technologies
05.2018 - 08.2018
- Balanced accounts payable and accounts receivable, thoroughly reviewed financial statements and tax audits to correct discrepancies
- Generated budgets and forecasted on quarterly basis and presented to the management team
- Assisted with scheduling dates for production to take place and over looked errors.
Education
Data Analytics -
University of Toronto - Mississauga
01.2020
B.A Criminology -
University of Western Ontario
01.2019
OSSD - Honors -
St Ignatius Loyola
01.2015
Skills
- Risk Mitigation
- Client Management
- Process Enhancement
- Audit Support
- Evidence-Based Decision Making
- Quantitative Research
- Trend Analysis
- Python,Alteryx, Excel Proficiency
- Risk Analysis
- Forecasting Ability
- Internal Audit
Certification
CAMS - Certified Anti Money Laundering Specialist
Timeline
Analyst, AML Due Diligence
Toronto Dominion Securities
07.2022 - Current
Risk Management Analyst, Governance & Control, Internal Audit
Toronto Dominion Bank Financial Group
08.2021 - 07.2022
Loan and Mortgage Specialist
Toronto Dominion Bank Financial Group
03.2020 - 08.2021
Commercial Fulfillment Officer
Toronto Dominion Bank Financial Group
08.2019 - 03.2020
Accounting/ Production Analyst
Crosslink Technologies
05.2018 - 08.2018
Data Analytics -
University of Toronto - Mississauga
B.A Criminology -
University of Western Ontario
OSSD - Honors -
St Ignatius Loyola
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