1. Mohammed Khalid Siddiqui
Mobile: 07759 171816; Email: khalid.1104@hotmail.co.uk
A focused, target orientated and accomplished trade finance professional with a strong record
of revenue protection and sound risk management. An experienced team leader with an
excellent project management skills and the ability to implement new procedures. A well
respected manager, with a high level of technical competence and client service.
Business / Working Relationship - Able to respond to board members, management, staff and
customers equally. Able to provide commercial remedies to business issues. Good team
management skills, able to empower staff.Experience in resolving in-depth queries in a
methodical and logical manner, independently and with internal & external partners to
produce appropriate resolutions.
Communication – Good verbal & written skills used to motivate domestic and overseas
colleagues and inspire positive attitude. Good report writing & presentation skills.
Team Player – Excellent at imparting and sharing knowledge and developing others to achieve
specific team goals and increase efficiency and profitability.
Planning & Organizing – Refined planning and organizational skills that balance workload,
team support, risks and ad-hoc responsibilities in a timely and professional manner.
Flexibility – Ability to adapt accumulated knowledge gained in the workplace and from
accredited training courses and seminar to a variety of products, scenarios and situations.
KEY ACHIEVEMENTS
 Developed and introduced an AML Checklist for processing of each trade finance
product.
 Developed SOP for all the Trade Finance Products in line with the recommendations of
the FSA Thematic Review of July 2012
 Also developed a checklist to validate the movement of Bills of Lading from several
open web- sites
 Mitigated operational risk in accordance with internationally recognised standards and
reduced exposure to future loss.
 Project managed the implementation of the Trade Finance module of the Bank’s ‘Globus’
online computer system between 1997 and 2003 This enabled the bank to reduce staffing
by 65%.
 Managedthe upgrading of the present core Banking System in year 2007 for full
automation &off-shoring to Dubai at MashreqBank.
 Implemented new banking procedures, reviewed security documentation and upgraded
standard documentary formats.
Head of Compliance for AML Trade Operations
at Guaranty Trust Bank Limited, UK Oct 2013-Present
Managing and mitigating all aspect of AML risk within the Trade Operations
Department and directly reporting to the Executive Director of the Bank. Functioning in

2. a senior capacity, to ensure consistent and cohesive application of all applicable AML
Policies and Procedures for the Trade Finance Department.
Managing best practices for AML / KYC requirements
 Coordinating with the Compliance team to ensure that AML Policy and Procedures in
the area of trade finance are at least consistent with regulatory and industry best
practice.
 Ensuring that the Trade Operations Departmental SOP reflects industry best practice in
respect of AML and KYC.
 Ensure that all Trade Finance staff is aware of the Bank’s AML requirements relating to
Trade Finance Operations.
 Assisting the MLRO in providing training to the Trade Operations Department, the
Compliance Department and any other staff as and when necessary.
 Operating on a partnership basis with senior business management to inculcate strong
AML disciplines and awareness within the business culture for AML/KYC Reviews and
Monitoring.
 Provide AML / KYC reviews of all new transactions and documents prior to processing
by the Trade Operations Department and report any escalations to the Head of
Compliance.
 Perform aggregate transaction monitoring on customers, i.e. Applicants & Beneficiaries
within the Trade Operations Department and report any escalations to the Head of
Compliance.
 Working with the Institutional Banking and Trade Marketing teams to ensure all AML
aspects in relation to trade finance transactions are completed and resolved prior to the
transaction is executed.
 Provide technical finance expertise in relation to document verification and all other
matters of an AML/KYC nature.
MashreqBank, London
Head of Trade Finance Department Mar 2005-Nov 2012
Working in the private banking sector, a background in the management of Trade
Finance, Supply Chain products, Credit Administration, Marketing, Client and Retail
Operations and Accounts in Trade Finance for last 15 years. This been complemented in
man management, leadership and organizational skills that geared towards producing
operation & marketing efficiently to run a profitable organization. Proactive in
upgrading processes to meet developments in the regulatory environment, identifying
gaps or risk exposure in banking operations, compliance and marketing.
Managing a team of 8 people.
Managing the administration of all Client L/Cs
 Responsible for managing the L/Cs & Guarantees department
 This includes responsibility for all reimbursement payments as well as cconducting due
diligence on pricing of items under export L/C for compliance purpose.
 Performance of risk assessment on all new L/C business as well as managing the
operational risk and supervision of KYC due diligence for all beneficiaries
 Responsible for Client Credit Financing & Structuring

3.  Responsible for managing a profitable client franchise, this includes maintaining and
reviewing credit facilities as well as managing margins/collateral within limits.
 Conducting regular KYC reviews for each client in association with the Compliance
Manager
 Maintaining the liquidity ratio for each country under confirmation/ discount
Responsible for opening new trade corridorsfor clients
 Liaison with Relationship Manager of each country for which the branch undertakes
credit risk under confirmation of exports L/Cs.
 Dealing & pitching with all major Commodity House in regards to confirmation and
syndication notably Sugar, Cotton, Steel and Oil Commodity House
Trade Finance Officer Apr 1997 – Feb 2005
Assisting the Department Head to run the department.
Finance Officer, Trade Finance Department Apr 1992 – Mar 1997
Obtained training and certification to move into the Trade Finance Department.
Officer, Retail Banking Department Jan 1991 – Mar 1992
Trained in all areas of Retail Banking & some general finance courses which enabled
promotion.
Finance Officer, Finance Department Oct 1989 – Dec 1990
Joined at a junior level in order to train for a career in banking and received technical
training which earned an upward move into the retail banking area.
Educational background
 MPhil: Microbiology – Kings College London-(incomplete - financial reasons) 1985-1986
 MSc: Microbiology– University of Karachi - 1983
 BSc: Physiology, Biochemistry & Microbiology – University of Karachi - 1981
 A ‘Level: Biology, Chemistry & English- (taken in Pakistan) - 1977
 O’ Level: Mathematics, English, Biology, Physics & Chemistry (taken in Pakistan)1975
Personal Information
Chairman of a local Charitable Trust.