Nader Matar
Melbourne,Victoria
Summary
I’m a professional with extensive experience in the financial services & hotels management industry who is looking for a new challenge where my professional experiences, education, and abilities would be advantageous to my employer and customers alike.
Organized and dependable individual successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
Dynamic individual with hands-on experience and talent for navigating challenges. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals.
Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance.
Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
29
29
years of professional experience
Work History
Senior Business Analyst – TCO (Transformation and Customer Operation)
Westpac New Zealand
07.2021 - Current
- Plan, elicit, analyse, document, communicate and manage program high level requirements to meet business needs
- Forecast and manage business stakeholder involvement across the project to ensure the best utilization of their time
- Analysis of existing and potential operational impacts from the change implemented, ensure risks and issues are well captured and managed
- Participate in assessing the effectiveness of WNZL’s arrangements to deliver effective governance, oversight, and controls in the business
- Facilitated requirement gathering workshops, resulting in clear project objectives and deliverables.
- Managed stakeholder expectations through transparent communication and timely status updates, ensuring alignment between project deliverables and business objectives.
KYC/ AML Compliance Analyst (Line 1 Op Risk)
Westpac New Zealand
07.2018 - 07.2021
- Supervised the AML Remediation tasks
- QA of CDD/ ECDD onboarding process
- Managed the portfolio of Politically Exposed Persons (PEP’s) and sanctions onboarding process, approvals, alerts, annual banking reviews and AML escalations
- Simplified internal processes to ensure best customer outcome
- Enhanced AML compliance by conducting thorough investigations and risk assessments on potential customers.
- Worked closely with legal counsel to address any concerns or enforcement actions related to AML regulations, minimizing potential penalties or reputational damage.
- Participated in industry conferences and networking events, staying up-to-date on emerging trends within the AML compliance field.
- Supported the integration of new technology platforms for more efficient transaction monitoring and data analysis, enhancing overall compliance capabilities.
- Achieved accurate transaction monitoring by diligently reviewing financial records for suspicious activities.
- Assisted in maintaining a robust AML program by staying current on industry trends, laws, and best practices.
- Prepared detailed reports for senior management highlighting key findings from investigations and risk assessments, allowing informed decision-making regarding client relationships.
- Provided guidance and support to team members, enabling them to effectively address complex AML-related issues.
- Drove continuous improvement initiatives within the AML Compliance program by regularly reviewing and updating policies, procedures, and risk assessments.
- Contributed to a reduction in regulatory violations by providing comprehensive training to employees on AML procedures and requirements.
- Facilitated cross-functional working groups aimed at identifying areas needing improvement within the organization's AML program.
- Improved interdepartmental communication by collaborating with various teams to identify and mitigate risks associated with money laundering.
- Collaborated with IT team members to develop custom tools for analyzing complex datasets used in detecting fraudulent activity patterns.
- Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents.
- Communicated with compliance manager to thwart potential money laundering or terrorist financing.
- Monitored financial transactions and immediately reported suspicious activity to authorities.
- Scrutinized and reported on discrepancies in financial records and documents.
Relationship Manager – Westpac Business Banking “Business CAL 1” Lender
Westpac New Zealand
02.2016 - 07.2018
- Provided valuable support to my colleagues and internal partners
- Developed and cultivated lucrative relationships with both new and existing customers through effective communication and exemplary interpersonal skills.
- Strengthened customer relationships by actively listening to their needs and providing tailored financial solutions.
- Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Continuously updated personal knowledge of banking regulations and compliance requirements to minimize risk exposure for both clients and the organization.
- Participated in staff meetings to discuss innovative strategies to improve services.
- Coordinated efforts between various departments such as sales, credit assessment, operations teams for smooth delivery of services to customers.
- Organized and participated in customer appreciation events, fostering strong community and enhancing client loyalty.
- Tailored financial solutions to customer needs, ensuring alignment with their long-term goals and financial health.
- Addressed customer concerns promptly and professionally, resolving issues efficiently to maintain high levels of customer satisfaction.
- Reduced delinquency rates by implementing effective collection strategies and working closely with customers to create feasible repayment plans.
- Supported customers throughout the entire lending process, ensuring clear communication and transparency.
- Analyzed customers financial health by thoroughly reviewing credit reports, income statements, and other relevant documentation before approving loans.
- Provided training and mentorship to new lenders, fostering a collaborative team environment focused on exceptional customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Explained very technical financial information to applicants in easy to understand language.
Credit Analyst – Westpac Business Banking
Westpac New Zealand
09.2014 - 02.2016
- Assessed credit risk and analyzed financial statements.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
- Conducted comprehensive risk assessments for high-value accounts, significantly reducing potential losses.
- Investigated and resolved customer disputes related to credit decisions.
- Write, document, and approve lending deals
- Process loan restructures and fixed rates rollover
Sales & Lending Specialist “Retail CAL 1” Lender (Contact Centre) (Personal and Home Lending) – Westpac Direct
Westpac New Zealand
05.2012 - 09.2014
- Discuss with customers their financial situation, personal objectives, and lending needs for the purpose of helping them achieve their goals
- Make recommendations to customers about which lending solutions would best meet their financial and personal objectives
- Help and educate customers on how to manage their accounts / finances
- Advise customers of the consequences, risks, and benefits of alternative lending solutions
- Developed strong relationships with customers, fostering trust and loyalty to maintain a high retention rate of satisfied customers.
- Resolved customer complaints promptly and professionally, resulting in increased satisfaction rates among borrowers.
- Conducted regular training sessions for junior staff members, imparting valuable industry insight and improving overall team efficiency.
- Optimized internal communication channels between departments, facilitating faster loan processing times and improved accuracy in documentation handling.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Increased loan approvals by efficiently evaluating and processing loan applications.
- Analyzed clients'' financial health by thoroughly reviewing credit reports, income statements, and other relevant documentation before approving loans.
- Contributed positively to overall team success through consistent achievement of individual performance targets.
- Supported customers throughout the entire lending process, ensuring clear communication and transparency.
- Explained very technical financial information to applicants in easy to understand language.
Front Office Manager
Hilton and Movenpick
04.1996 - 05.2012
- Oversees the day-to-day operations of the hotel, ensuring smooth running by managing staff across various departments, maintaining budgets, optimizing guest service, implementing operational policies, and coordinating necessary supplies to achieve high standards of quality and guest satisfaction; other responsibilities include hiring and training staff, resolving guest complaints, monitoring operational efficiency, and collaborating with other departments to maintain overall hotel performance.
- Supervised and guided new employees and responded quickly to questions to improve understanding of job responsibilities.
- Developed effective communication channels within the teams to improve decision-making process and problem-solving abilities.
- Enhanced guest satisfaction by efficiently managing front office operations and addressing customer concerns promptly.
- Managed files and records for clients and adhered to safety procedures to prevent breaches and data misuse.
- Coached employees through day-to-day work and complex problems.
- Implemented staff training programs, improving employee performance and team cohesion.
- Streamlined communication between front office and other hotel departments, improving overall operation efficiency.
- Managed room inventory to optimize occupancy rates, adjusting pricing strategies according to market trends.
- Conducted market research to better understand needs of target demographics, refining marketing strategies.
- Reduced operational costs without compromising service quality by renegotiating supplier contracts.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Successfully managed budgets and allocated resources to maximize productivity and profitability.
- Reduced waste and pursued revenue development strategies to keep department aligned with sales and profit targets.
Education
Bachelor of Science - Business Administration, International Relations
American University (AUB)
Beirut06.1996
Skills
- Excellent communication
- Interpersonal relationships
- Strategic thinker
- Time management
- Attention to detail
- Customer service
- Teamwork and collaboration
- Flexible and adaptable
- Dependable and responsible
- Organizational skills
- Decision-making
- Problem resolution
Accomplishments
- Multi Legend Award Winner in the Service Delivery Category.
- Constantly achieving the organization set KPI’s and deliverables.
- Successfully assisted customers with their lending need that led to the achievement of their financial goals.
- Successfully delivered the valuation stream of APRA APS 220 regulatory standard; worked on CORE WS17; APRA CPS230 'Operational Risk Management' regulatory compliance standard, APRA Prudential regulatory compliance standards review, BOL (Business Online) migration to W1B (Westpac One Business), credit risk initiatives (3 for RBNZ rand 1 for APRA). Currently working on a financial crime project 'CRA – Customer Risk Assessment'.
Hobbies and Interests
- Kayaking
- SUP/ Surfing
- Travelling
Systems Applications
- Microsoft Office Package.
- Westpac Banking System / Application: Pure Cloud/ Sales Customer / NZLO / P&E/ Terminet/ Apollo/ ICE / Detica/ Confluence/ Jira/ Juno / Finacle.
Languages
English
Full Professional
Arabic
Full Professional
French
Limited Working
Timeline
Senior Business Analyst – TCO (Transformation and Customer Operation)
Westpac New Zealand
07.2021 - Current
KYC/ AML Compliance Analyst (Line 1 Op Risk)
Westpac New Zealand
07.2018 - 07.2021
Relationship Manager – Westpac Business Banking “Business CAL 1” Lender
Westpac New Zealand
02.2016 - 07.2018
Credit Analyst – Westpac Business Banking
Westpac New Zealand
09.2014 - 02.2016
Sales & Lending Specialist “Retail CAL 1” Lender (Contact Centre) (Personal and Home Lending) – Westpac Direct
Westpac New Zealand
05.2012 - 09.2014
Front Office Manager
Hilton and Movenpick
04.1996 - 05.2012
Bachelor of Science - Business Administration, International Relations
American University (AUB)
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