Darshika Jaiswal
Dubai,UAE
Summary
Certified Anti-Money Laundering Specialist (CAMS) with a proven track record in identifying, investigating, and mitigating financial crime risks within regulated financial institutions. Skilled in conducting comprehensive CDD and EDD reviews, transaction monitoring, sanctions screening, and SAR preparation in alignment with global AML/CTF regulations and industry best practices. Adept at using advanced AML tools and platforms, maintaining audit-ready documentation, and driving continuous improvements in financial crime controls.
Overview
10
10
years of professional experience
1
1
Certification
Work history
Senior AML / KYC Analyst (KYC Remediation)
First Abu Dhabi Bank (FAB)
Dubai, UAE
04.2024 - 08.2025
- Conducted comprehensive CDD and EDD reviews for new and existing clients, ensuring compliance with AML/CTF regulations and internal policies.
- Investigated high-risk customers, transactions, and business activities, compiling detailed reports with findings, risk ratings, and escalation recommendations.
- Analyzed alerts from transaction monitoring systems and prepared Suspicious Activity Reports (SARs) in line with regulatory guidelines.
- Built and maintained detailed customer risk profiles using internal systems, open-source data, and third-party tools (e.g., Fircosoft, Norkom, OFAC, Dow Jones, FCA).
- Ensured due diligence activities adhered to global standards and local regulations, including AML, CTF, and sanctions compliance.
- Collaborated with Compliance, Legal, and Operations teams to resolve issues and maintained audit-ready records for regulatory review.
AML Operations Analyst
W1TTY Global LTD (FinTech – UK)
Dubai, UAE
08.2023 - 01.2024
- Spearheaded the account onboarding process, delivering seamless customer experiences while ensuring compliance with FCA-aligned KYC regulations.
- Collaborated with Legal, Compliance, and Customer Service teams to resolve onboarding challenges and uphold internal policy standards.
- Monitored real-time and post-transaction activity across customer accounts to identify suspicious behavior, money laundering risks, and transaction anomalies.
- Executed KYC remediation and conducted third-party screenings against global watchlists, sanctions (OFAC, UN, EU), and PEP databases, ensuring risk-based due diligence.
- Performed in-depth transaction reviews to detect potential violations of AML, CTF, and sanctions compliance, escalating red flags as needed.
- Investigated alerts generated by transaction monitoring systems, documenting outcomes in accordance with internal procedures and regulatory expectations.
- Prepared and submitted accurate Suspicious Activity Reports (SARs/STRs) ensuring accuracy and compliance with anti-money laundering laws.
AML / KYC Officer (Due Diligence Officer)
ADIB- Abu Dhabi Islamic Bank
Dubai, UAE
01.2023 - 07.2023
- Reviewed ongoing KYC due diligence for business clients across multiple entities, assessing risk levels based on nationality, legal structure, and business activity.
- Identified complex ownership structures, including direct and indirect Ultimate Beneficial Owners (UBOs), to ensure transparency and compliance.
- Monitored transactions by collecting supporting documentation and performed Enhanced Due Diligence (EDD) for PEP and high-risk jurisdictions in line with UAE Central Bank guidelines.
- Updated and validated FATCA/CRS declarations, ensuring accurate submission of W9, W8, and W8-BEN forms with U.S. Tax Identification Numbers (TINs).
- Coordinated internal approvals (e.g., Sharia compliance, PEP, and True match) to finalize KYC reviews for onboarding and periodic refresh cycles.
Operations Manager
Paragon Continental Migration Documents Clearing Services LLC
Dubai, UAE
07.2022 - 11.2022
- Led the operations team to achieve business goals, driving efficiency through structured work allocation and performance oversight.
- Developed and maintained Standard Operating Procedures (SOPs) to streamline key operational processes and ensure consistency.
- Conducted performance reviews and appraisals, providing coaching and support for staff development and career progression.
- Assisted in budget planning, monitored expenses, and implemented cost-control measures to align with financial targets.
- Oversaw recruitment, training, compliance, and audit readiness, supporting risk mitigation and adherence to corporate policies.
Senior Operations Officers
Axis Bank Limited
Delhi, India
10.2021 - 06.2022
- Managed customer queries, complaints, and service requests, including NEFT/RTGS authorizations and escalations from nodal offices and the Banking Ombudsman.
- Handled account onboarding, KYC processing, remediation, and documentation in compliance with RBI regulations and internal audit standards.
- Promoted bank products such as insurance, mutual funds, fixed deposits, and new accounts, contributing to branch sales targets.
- Oversaw locker operations, including allotments, surrenders, and customer access, ensuring policy compliance and service quality.
- Monitored and ensured closure of audit findings and compliance issues, maintaining branch readiness for internal and regulatory audits.
Senior Operations Officer
Kotak Mahindra Bank
Delhi, India
11.2015 - 10.2021
- Ensured compliance with SLA standards for productivity, turnaround time, and accuracy across banking operations.
- Managed account onboarding, KYC processing, and remediation for individual and non-individual clients in line with RBI regulations.
- Supervised personal bankers and contract staff, monitoring performance and driving service quality improvements.
- Oversaw and authorized cash and non-cash transactions, ensuring adherence to bank policies and risk controls.
- Compiled operational reports, conducted quality checks, and maintained suspense account reconciliations for audit readiness.
Education
Bachelor of Business Administration - Self-Finance
CSJM UNIVERSITY
IndiaSkills
- KYC and Customer Due Diligence (ODD/EDD), KYC Remediation
- Regulatory Compliance
- AML Investigations, SAR / STR
- Sanctions & Watchlist Screening (OFAC, PEPs)
- Data Analysis
- Transaction Monitoring and Fraud Analysis
- Proficient in the use of financial software & Other Banking tools: FIROCSOFT , FINACLE, SIEBEL, DOTNET, CRM, SUMSUB, FENX, SNOWFLAKE, Dow Jones, Salv, Currency Cloud
Certification
Certified Anti- Money Laundering Specialist (CAMS)
Training
- Financial Crime.
- Fraud analysis and Risk Management.
- Banking Ethics and Policies & Islamic Banking.
- Anti-Money Laundering.
- Go-AKS KYC Specialist
Affiliations
Creative pursuits
Traveling
Language
English
Upper intermediate
Hindi
Native
Urdu
Intermediate
References
References available upon request.
Timeline
Senior AML / KYC Analyst (KYC Remediation)
First Abu Dhabi Bank (FAB)
04.2024 - 08.2025
AML Operations Analyst
W1TTY Global LTD (FinTech – UK)
08.2023 - 01.2024
AML / KYC Officer (Due Diligence Officer)
ADIB- Abu Dhabi Islamic Bank
01.2023 - 07.2023
Operations Manager
Paragon Continental Migration Documents Clearing Services LLC
07.2022 - 11.2022
Senior Operations Officers
Axis Bank Limited
10.2021 - 06.2022
Senior Operations Officer
Kotak Mahindra Bank
11.2015 - 10.2021
Bachelor of Business Administration - Self-Finance
CSJM UNIVERSITY
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