kawtar Jmikou

Professional Status

Open to opportunities


About Me

Data Analyst at Crédit Agricole Corporate and Investment Bank, and a Master of Science Graduate in Strategy and Management of International Business from ESSEC Business School,
Qualified in Strategy, Management, Actuary and Risk Management.


Due Diligence/ KYC Data Analyst (AML/FT)

Crédit Agricole Corporate and Investment Bank
Since may 2016
  • Periodic review and data analysis on the clients of the bank (Corporate and financial institutions) on a risk basis approach,
  • Enhanced due diligence (EDD) and standard procedures required for larger customers and transactions, financial security requirements and application of new directives and procedures on a global scale,
  • Know your customer (KYC) policies application to prevent identity theft, financial fraud, money laundering and terrorist financing,

Summer Analyst- Pricing and Product Design Department

Axa life Japan
November 2015 to december 2015
  • Tools for whole life and medical premium and reserve estimations,
  • Collaborating with the team on new products launch, and profit estimations

Project Manager

Mazars Asia Pacific Ltd.
March 2015 to august 2015
  • Developing a website for startups and entrepreneurs to find the best financing for their businesses.
  • Realizing a financing sectorial guide for Startups in Singapore in partnership with the french chamber of commerce.
  • Putting in place a comprehensive tool for fresh entrepreneurs ( VC, State schemes, Business angels)

Project developer - Consulting and Actuary

Deloitte consulting and Actuary
May 2014 to july 2014
  • Developed life insurance rent estimation tools (VBA, Excel).
  • Developed actuary interfaces with different entry platforms using historical data (Mortality tables).
  • Research work and presentations on IAS19 norms (Employee benefits Management).

Final study project-Strategic Monitoring and Economic Intelligence

Attijariwafa bank
February 2013 to august 2013
  • Stress testing macroeconomic and microeconomic shocks impact on the bank's resilience.
  • Decision support of entry into new markets using Multicriteria decision aid methods.
  • Cyclical studies, internal publications and research work on macroeconomic indicators in Morocco ( measuring inflation, unemployment, BOP, Fiscal balance).


Master of Science (MSc)

ESSEC Business School (Paris/ Singapore)
September 2014 to june 2016

Strategy and Management of International Business
A one year post-graduate program fully combining Marketing, International Management, Finance and Strategy.
-Ranked 1st Advanced Master Degree in international Management in France.
-Top Tier French Business School, with a campus Based in Singapore.
- Thesis about the entrepreneurship potential from Silicon Valley to China and Singapore. Validated (A, very Good)

Master's degree

Ecole Nationale de Commerce et de Gestion (Casablanca)
September 2011 to 2013

Actuary and Market Finance
Major in actuary and risk management, financial modeling and risk analysis.
-Graduated with Honors.
-Top Tier Moroccan Business school.
-Thesis about Stress testing the first banking group in Morocco's ROI and decision aid into new market entry (18/20, very good)

Bachelor degree

King Hassan II Science University (Casablanca)
September 2008 to 2011

Applied Mathematics
Major in Linear algebra, Topology, Probability theory, modelling, advanced mathematics and numerical analysis.
-Thesis about topologic surface classification, using Morse functions, and Poincaré's Analysis Situs. (16/20, good)


  • Hiking, Running
  • Pool
  • Backpacking in Asian countries


  • Start-up strategy
  • Firm valuation
  • Financial Risk
  • Microeconomics, Decision Support
  • Statistics
  • Algebra
  • Life insurance
  • Medical Insurance
  • Actuarial mathematics
  • Mathematica, eviews, SPSS
  • Progamming JAVA, C++, C
  • Packoffice
  • English, Arabic, French
  • Mandarin