Summary
Overview
Work history
Education
Skills
Certification
Websites
Affiliations
Languages
Timeline
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Carmelle Gomez Espia

Carmelle Gomez Espia

Dubai

Summary

Experienced AML & Compliance Specialist with expertise in transaction monitoring and 5+ years of financial crime prevention in top Middle Eastern financial institutions. Skilled in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and Transaction Monitoring to ensure compliance with AML regulations. Proficient in identifying and mitigating financial crime risks using advanced tools like GoAML, World-Check, and Lloyds Intelligence Sea searchers.

Overview

12
12
years of professional experience
2013
2013
years of post-secondary education
1
1
Certification

Work history

AML& Compliance Analyst – Transaction Monitoring

Al Ansari Exchange LLC
Dubai
07.2024 - 07.2025
  • Reviewing transactions to identify any Money Laundering, Terrorist financing, Fraud or any other financial crime cautionary flags and rapidly dispositioning them along with escalating the alerts which requires by the Transaction (TM) Manager and /or filing with CBUAE as STR.
  • Performed In-depth due diligence on Trade-based and service-based transactions in real time, verifying documentation, trade routes and dual-used goods regulations to ensure compliance with international sanctions and regulatory guidelines.
  • Investigate the Internal Disclosures received from operations through UPS and other business units to identify any Money Laundering, Terrorist financing, Fraud or any other financial crimes.
  • Monitor the queues for automated alerts and ensure the investigations are undertaken based on different ML/TF typologies. Undertake additional manual due diligence of transactions to flag the potential suspicious activities by adhering the defined process and procedures.
  • Reviewing and actioning of source of funds/Purpose of transaction/Customs deceleration form alerts as per the policy procedures within the assigned TAT.
  • Conduct Enhanced Due Diligence process of the Inward and outward transactions as per the defined thresholds.
  • Undertake review of the transactions which are matching against the CBUAE search only lists matches and take appropriate actions on timely and effective manner. Review and analyze AML current trends and news to identify high risk areas, counterparties to incorporate in investigations analysis.
  • Conducting thorough KYC process for newly onboard customers, reviewing profiles and backgrounds by verifying/checking in adverse media and world check.
  • Utilizing advanced platforms/screening tools such as world check, Lloyds Intelligence Sea Searcher and Go AML to perform vessel and counter party screening and identify potential red flags.

Unit compliance Officer and Branch Support

Al Ansari Exchange LLC
Dubai
09.2020 - 07.2025
  • Conducted thorough KYC procedures and applying Customer Due diligence (CDD) and Enhanced Due Diligence (EDD) for onboarding new customers, verifying personal information’s, documents and conducting risk assessment in compliance with regulatory requirements.
  • Exercise due diligence in process related to customer transactions to ensure legal compliance and mitigate risk.
  • Performed Adverse media checks to evaluate the reputational risk of the customer before onboarding to ensure adherence to AML compliance standard.
  • Supported branch personnel in ensuring compliance with internal KYC/AML policies, and provided guidance on documentation requirements and transaction approval process.

Loan Account Officer

Rizal Commercial Banking Corporation, RCBC
Iloilo City
06.2018 - 01.2020
  • Performed independent KYC process for onboarding new customers and managing data/information for existing customers.
  • Prepare endorsements and recommendations for new accounts, forwarding them to the credit department for evaluation.
  • Exercise due diligence in process related to customer transactions to ensure legal compliance and mitigate risk.
  • Maintain audit and credit ratings at compliant levels as per BSP/Internal Audit guidelines, showcasing robust AML/KYC track record.
  • Support collection department by addressing payment-related concerns, providing recommendations for appropriate actions.
  • Advise clients/accredited companies on payment default issues and collaborate with departments for resolutions.
  • Achieve management-set targets while upholding credit and documentation guidelines to ensure account quality.
  • Identify and nurture new business opportunities, contributing to maintaining and expanding existing client relationships.
  • Maintain high-quality portfolio with manageable delinquency rates through effective underwriting processes.
  • Supervise staff, assisting with client interactions and operational tasks.
  • Participate in Auto Dealers Activities and report to Unit Head and Regional Head.

Marketing Assistant

Bank of the Philippine Islands
Iloilo City
01.2014 - 05.2018
  • Assisted in devising and implementing effective marketing strategies to promote business growth.
  • Conducted independent KYC checks for new and existing customers during onboarding process.
  • Cultivated direct client interactions, fostering trust and rapport.
  • Achieved monthly and yearly marketing targets, contributing to fulfillment of organizational objectives.
  • Supported and accompanied loan officers to meet company and team objectives.
  • Collaborated with BPI Branches, Real Estate Brokers, and Auto Dealers/Salesmen.
  • Delivered high-quality marketing services to customers, enhancing their experience.
  • Established and nurtured strong relationships with Branches, Dealers, Salesmen, and Brokers.
  • Provided exceptional customer service, ensuring client satisfaction.
  • Assisted Account Officers in coordinating Auto Dealer and Real Estate Broker activities.

Education

Bachelor Degree of Business Administration (B.A) - Financial Management

Bukidnon State University

Skills

  • Transaction monitoring
  • Enhanced due diligence
  • Suspicious Activity reporting
  • Due Diligence and Risk Assessment
  • Analytical and Investigative Skills
  • Attention to Detail and Organizational skills
  • Financial crime prevention
  • GoAML, World Check & Lloyds Intelligence Sea searcher

Certification

Certified Anti-Money Laundering Specialist (CAMS)

Affiliations

Association of Certified Anti-Money Laundering Specialists (ACAMS), 2023-07-01

Languages

English

Timeline

AML& Compliance Analyst – Transaction Monitoring

Al Ansari Exchange LLC
07.2024 - 07.2025

Unit compliance Officer and Branch Support

Al Ansari Exchange LLC
09.2020 - 07.2025

Loan Account Officer

Rizal Commercial Banking Corporation, RCBC
06.2018 - 01.2020

Marketing Assistant

Bank of the Philippine Islands
01.2014 - 05.2018

Bachelor Degree of Business Administration (B.A) - Financial Management

Bukidnon State University

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Carmelle Gomez Espia