ANJU ABHILASH
Dubai
Summary
Operations and Compliance Specialist with 15 years of experience in the UAE financial services and foreign exchange sector. Highly skilled in FX handling, B2B partner management, and corporate onboarding (KYB/KYC). Proven track record of managing end-to-end due diligence, monitoring cross-border payment flows, and collaborating with risk and technical teams to optimize approval ratios and reduce financial exposure. Ready to leverage deep FX market expertise to streamline PSP and banking partner integrations.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Corporate Client & FX Customer Onboarding(KYB/KYC)
Sharaf Exchange
Dubai
05.2025 - Current
- FX Customer & Partner Onboarding: Managed the end-to-end onboarding of institutional clients and financial partners, executing rigorous corporate due diligence (KYB/KYC) strictly within UAE regulatory frameworks.
- Evaluated complex corporate documentation for high-volume FX clients, ensuring strict adherence to AML, compliance, and regulatory requirements prior to go live.
- Streamlined the FX onboarding workflow, significantly reducing time-to-market for new client accounts, without compromising internal risk standards.
- Complex Account Verification: Scrutinised corporate documentation, beneficial ownership, and transaction profiles related to corporate remittance, WPS, FX, corporate tax, VAT, and GPSSA payments.
- Regulatory Advisory & Collaboration: Acted as the primary point of contact for compliance-related queries, continuously updating onboarding procedures based on new regulations, and collaborating seamlessly with the core compliance team to guarantee regulatory adherence.
Branch Manager/Compliance Officer
Al Rostamani International Exchange
Dubai
07.2021 - 04.2025
- Branch and Transaction Operations: Managed daily branch operations and cross-border remittance flows, consistently meeting strict regulatory and internal audit standards.
- Collaborated with internal product and technical teams to support the integration of new payment channels, troubleshooting technical issues to optimise the cashier workflow.
- Transaction Monitoring: Conducted daily oversight and monitoring of transaction queues to identify suspicious activities, successfully mitigating risks associated with high-value foreign exchange operations.
- Maintained strong operational relationships with correspondent banks and payment providers, serving as the primary point of contact for daily payment operations.
- Monitored daily payment performance across multiple FX corridors, analysing approval ratios, transaction failures, and potential compliance breaches.
- Process Improvement: Implemented streamlined verification processes for customer transactions, significantly reducing processing times while maintaining a zero-tolerance policy for compliance breaches.
- Operational Risk Control: Managed daily liquidity, vault security, and stringent internal risk controls, seamlessly balancing operational efficiency with zero-tolerance regulatory adherence.
Senior Cashier
Al Rostamani International Exchange
Dubai
10.2015 - 06.2021
- High-Volume FX Handling: Managed daily foreign exchange operations and cross-border payment flows, processing high volumes of multi-currency transactions, ensuring accurate settlement and rapid execution under strict timelines.
- FX Customer & Partner Onboarding: Managed the end-to-end onboarding of institutional clients and financial partners, executing rigorous corporate due diligence (KYB/KYC) strictly within UAE regulatory frameworks.
- Trained and mentored new cashiers, boosting team performance by 20%.
- Achieved monthly sales targets consistently, driving store revenue growth.
- Conducted daily cash audits, ensuring financial integrity and accountability.
Remittance Clerk
Economic Exchange LLC
Sharjah
08.2013 - 04.2015
- Processed over 1,000 remittance transactions monthly with 99% accuracy.
- Maintained compliance with financial regulations, ensuring zero penalties.
Executive Secretary
ACS Trading Dubai
Dubai
08.2011 - 04.2012
- Coordinated high-stakes meetings, ensuring 100% attendance rate.
- Maintained confidentiality, safeguarding sensitive information.
Education
Bachelor of Arts - English
Mahatma Gandhi University
Kerala, India01-2011
Indian and Foreign Accounting -
International Association of Book-Keepers
Kerala, India01-2011
Skills
- Foreign Exchange, Forex Operations, and Handling
- B2B and Corporate Onboarding (KYB/KYC)
- Payment Service Provider (PSP) Management
- Payment Gateway and API Integration Support
- Compliance and Risk Monitoring
- Branch Banking Operations
- Customer Due Diligence
- AML and Regulatory Compliance
- Audit Report Writing
- KYC Verification
- Transaction Monitoring and Risk Mitigation
- Approval Ratio Optimisation
Certification
- CAMS Certified AML Specialist
- Certified Blockchain & KYC Professional
- Certificate of Achievement in KYC & Simulation
- Certificate of Achievement in ISO 9001:2015 Quality management Systems Awareness & Internal Auditor Training
Languages
English
Hindi
Malayalam
References
Reference available upon request
Hobbies and Interests
- Driving
- Travelling
- Social Media
- Movies
LinkedIn:
- http://linkedin.com/in/anju-abhilash-
512169160
Timeline
Corporate Client & FX Customer Onboarding(KYB/KYC)
Sharaf Exchange
05.2025 - Current
Branch Manager/Compliance Officer
Al Rostamani International Exchange
07.2021 - 04.2025
Senior Cashier
Al Rostamani International Exchange
10.2015 - 06.2021
Remittance Clerk
Economic Exchange LLC
08.2013 - 04.2015
Executive Secretary
ACS Trading Dubai
08.2011 - 04.2012
Bachelor of Arts - English
Mahatma Gandhi University
Indian and Foreign Accounting -
International Association of Book-Keepers