Rosanne Bugeja

Spearhead the processing and authorization of all incoming and outgoing SEPA, SWIFT, TGT, and Instant Payment investigation requests, ensuring 100% compliance with AML regulations and bank policies.

Successfully managed complex payment investigations, collaborating with branches and correspondent banks to resolve issues promptly and meet established SLAs.

Contributed to significant process efficiencies within the Payment Investigations Unit, directly enhancing customer service delivery and satisfaction.

Led User Acceptance Testing (UAT) initiatives for new payment systems and process enhancements, ensuring seamless integration and strict adherence to regulatory requirements.

Coordinated and meticulously checked all outward and inward SWIFT FIN messages, ensuring accuracy and compliance for daily payment operations.

Managed end-of-day reconciliation for all outward and inward payment messages, resolving discrepancies and compiling comprehensive reports to ensure financial integrity.

Liaised directly with the Compliance Department to conduct critical FIAU searches, ensuring adherence to anti-money laundering (AML) protocols and regulatory standards.

Collaborated with IT to perform daily checks of the SWIFT Alliance System and discussed PSD2-related updates, contributing to system stability and regulatory readiness.

Conducted thorough investigations and inquiries into payment discrepancies, successfully resolving complex issues and mitigating potential financial risks.

Executed high-volume payment transactions, including complex foreign currency transfers, maintaining accuracy and efficiency across all operations.

Resolved customer complaints and inquiries efficiently, improving customer satisfaction and upholding service quality standards.

Provided technical supervision for banking systems and interfaces, ensuring operational continuity and data integrity.

Developed and implemented updated work instructions, ensuring full adherence to evolving legal and regulatory guidelines.

Actively participated in the successful implementation of new banking policies and procedures, contributing to enhanced operational frameworks.

Drove continuous process optimization initiatives, identifying and implementing improvements that streamlined workflows and increased departmental efficiency.

Managed all manual SWIFT and SEPA payments, contributing to the successful implementation of straight-through processing for client payment instructions.

Assisted in securing bank membership for TARGET2, SEPA, and FATCA, ensuring regulatory compliance and operational readiness.

Executed comprehensive back-office payment duties, including rigorous Due Diligence and KYC compliance, minimizing regulatory risks.

Represented the bank in the Payments System User Group and various ad hoc committees, influencing payment-related policy and operational standards.

Supported Treasury and Finance Departments with correspondent bank reconciliations and invoicing, ensuring accurate financial reporting.

Processed and settled a high volume of online money transfers across various currencies via SWIFT, ensuring timely and accurate transactions.

Managed the processing and settlement of card payments, maintaining operational efficiency and compliance.

Compiled and analyzed key business statistics, providing insights for operational improvements and strategic decision-making.

Successfully onboarded new clients by setting up profiles and accounts, ensuring adherence to internal policies and regulatory requirements.

Managed the accurate and timely settlement of Money Market Deposits and Borrowings, ensuring compliance with financial regulations.

Facilitated the settlement of foreign exchange transactions, minimizing discrepancies and optimizing currency flows.

Oversaw the settlement and comprehensive management of funds, ensuring liquidity and operational efficiency.

Executed and settled bank transfers efficiently via SWIFT, maintaining high standards of accuracy and speed.

Processed interbank client transfers via SWIFT, ensuring strict adherence to due diligence protocols for every transaction.

Managed the opening of Term Deposit Accounts and processed cheque deposits, ensuring accurate record-keeping and customer satisfaction.

Provided expert support to the retail banking team, resolving complex functional queries and conducting system testing to enhance operational stability.

Efficiently processed loan applications received from branches, ensuring timely submission and compliance with internal guidelines.

Maintained and updated the retail banking database, generating statistical reports to support strategic decision-making and performance analysis.

Collaborated with the Head of Operations on critical retail and corporate banking matters, facilitating seamless communication and strategic alignment.

Assisted customers with account opening and closing procedures, ensuring a smooth and compliant process.

Performed comprehensive cashier duties, managing daily cash transactions with high accuracy and efficiency.

Supported the Foreign Department in processing outward and inward payments, contributing to efficient international transactions.