Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Divya Pahlani

Compliance Specialist
Dubai

Summary

  • Completed 50 hours of AML/CFT training, Attended Behavioral Detection (BD) Run training, Internal Audit Report of Compliance Department Training and Certified Lead Auditor in ISO 9001:2015.
  • Strong understanding of AML regulations and compliance procedures, including knowledge of relevant legislation such as the Bank Secrecy Act (BSA), Egmont Group, Financial Intelligence Unit (FIU), Financial Action Task Force (FATF) & its recommendations.
  • Understanding of international sanctions regulations, including OFAC,UN,EU, and other relevant sanction lists.
  • Familiar with the functionality and operation of transaction monitoring system.
  • Sound knowledge in drafting Suspicious Activity Report.
  • Sound knowledge of Identify anomalies and red flags.
  • Professional with over 5 years of experience in compliance, audit, ISO 9001:2015 Quality Management System, ISO 37301 Compliance Management System (CMS),ISO 31000:2018 Risk Management framework.

Overview

11
11
years of professional experience
4
4
Certifications

Work History

TMU Compliance Officer

Emirates NBD
Dubai
08.2024 - 10.2024
  • Possess extensive experience in utilizing compliance software platforms such as FCRM, Finacle, Firco (world check), Siebel CRM, and Compliance 360, to effectively manage customer risk assessments, alert investigations, and case management.
  • Experience in handling a wide range of transaction alerts including: Hub and spoke ,Multiple originator and same beneficiary, Multiple beneficiary same originator ,Depletion of funds, Structuring and micro-structuring,& Tactical and Sensitive alerts.
  • Skilled in the creation and management of cases, ensuring that all relevant data is captured.
  • Knowledgeable in distinguishing between Value Date and Alert Date, with the ability to accurately calculate the review period for each transaction or case.
  • Strong understanding of sanctions laws and their implications on customer transactions. Skilled in ensuring compliance with global sanctions regimes, conducting regular screening, and taking appropriate actions for flagged individuals or entities.
  • Adept at conducting Know Your Customer (KYC) and Customer Due Diligence (CDD) checks, including the verification of source of funds and origin of funds, ensuring adherence to regulatory requirements and mitigating potential risks.
  • Well-versed in identifying PEPs through robust screening processes. In the event a customer is flagged as a PEP, skilled in taking appropriate measures, including enhanced due diligence, transaction monitoring, and reporting as required by compliance policies.
  • Proficient in utilizing the Customer Risk Assessment Tool (CRAT) to assess the risk associated with individual customers. Capable of analyzing customer profiles, patterns, and transactions to assign an appropriate risk rating and determine necessary actions.
  • Experienced in managing cases where warning letters have been previously issued.
  • Expertise in linking cases and performing direct escalation when necessary.
  • Proficient in the process of club SAR creation and identifying cases that warrant a Suspicious Activity Report.
  • Competent in reviewing and analyzing diverse transaction types, including but not limited to: Share trading, External and internal account transactions,Cheques,Cash deposits and withdrawals, Foreign exchange operations, International money transfers.
  • Skilled at quickly analyzing alerts, making fast decisions to reduce risks, and requesting additional information when needed to better understand the customer and their actions.

Compliance & Audit Specialist

Nathan ISO Consulting & Nathan Labs, USA
12.2019 - 06.2024
  • Designed, developed, and implemented an ISO 37301-compliant Compliance Management System, ensuring adherence to international compliance standards and regulatory requirements.
  • Led internal and external audits for ISO 37301 certification, identifying compliance gaps, evaluating effectiveness, and providing actionable recommendations for improvement.
  • Monitored compliance activities across multiple departments, ensuring ongoing alignment with legal, regulatory, and ethical standards.
  • Developed and implemented AML (Anti-Money Laundering) policies and procedures, ensuring compliance with local and international regulations and mitigating financial crime risks.
  • Conducted comprehensive due diligence investigations and meticulously documented findings in detailed reports, ensuring accuracy and compliance with
    regulatory standards to support informed decision- making and risk management.
  • Experienced in implementing risk treatment strategies outlined in ISO 31000, such as risk avoidance, risk reduction, and risk transfer.
  • Record any non-conformities, observations, or opportunities for improvement identified during quality management system (QMS) audit. Ensure that the findings are clear, objective, and supported by evidence.
  • Check if the organization has a robust system in place to identify and address non conformities, as well as to prevent potential issues from occurring in the future.
  • Identifying and managing compliance risks, and tailoring compliance processes to the specific risks faced by the organization.

Internal Auditor

Quality Registrar Systems
02.2018 - 09.2019
  • Company Overview: Abu Dhabi, UAE
  • Conducted Internal Audit to assess the effectiveness, efficiency and compliance of the organization’s operations, identify areas for improvement and provide recommendations for corrective actions
  • Prepared detailed audit reports, summarizing findings, risks, and recommendations, and presented them to senior management
  • Performed thorough internal audits in compliance with ISO 9001 (Quality Management), ISO 14001 (Environmental Management), and ISO 45001 (Occupational Health and Safety) standards
  • Conducted training sessions and workshops to raise awareness and understanding of ISO standards and compliance requirements among employees
  • Established continuous monitoring systems to track compliance and performance metrics, facilitating proactive management of potential issues
  • Recommended and monitored corrective and preventive actions, ensuring timely implementation and effectiveness.

Law Intern

M/s. Jatin Sehgal & Associates Law Firm & Corporate Advisors
01.2015 - 11.2016


  • Provided support to senior lawyers in preparing legal strategies, conducting legal due diligence and assisting in negotiations and settlements
  • Proficient in providing support during court proceedings, including preparing witnesses, assisting with evidence presentation, and taking notes
  • Volunteered for pro bono cases, showcasing a commitment to serving the community and providing legal assistance to those in need
  • Skilled in drafting and reviewing legal documents, including contracts, agreements and pleadings, ensuring accuracy and compliance with relevant laws and regulations
  • Proficient in conducting thorough legal research and analysis to support case preparations.

Company Secretary-Intern

M/s. Ashish Kadoria & Associates
08.2013 - 11.2014


  • Minutes Preparations, incorporation of companies, closure of companies through Ministry of Corporate Affairs portal
  • Secretarial Audit/Compliance Audit and Due diligence
  • Keeping up to date with regulatory or statutory changes and policies that might affect the organization.

Education

Bachelor of Laws,LL.B (Hons) - LAW

Devi Ahilya Vishwavidyalaya
India
04.2001 -

(BCom) Bachelors of Commerce - Taxation And Law

Devi Ahilya Vishwavidyalaya
India
04.2001 -

Skills

Compliance monitoring

Risk management

Risk mitigation

Investigation tactics

SAR writing

Certification

AML/ CFT Training Sessions

Timeline

TMU Compliance Officer

Emirates NBD
08.2024 - 10.2024

AML/ CFT Training Sessions

03-2023

Internal Audit Report of Compliance Dept.

03-2023

Behavioral Detection (BD) Run

03-2023

ISO Lead Auditor (QMS)

03-2023

Compliance & Audit Specialist

Nathan ISO Consulting & Nathan Labs, USA
12.2019 - 06.2024

Internal Auditor

Quality Registrar Systems
02.2018 - 09.2019

Law Intern

M/s. Jatin Sehgal & Associates Law Firm & Corporate Advisors
01.2015 - 11.2016

Company Secretary-Intern

M/s. Ashish Kadoria & Associates
08.2013 - 11.2014

Bachelor of Laws,LL.B (Hons) - LAW

Devi Ahilya Vishwavidyalaya
04.2001 -

(BCom) Bachelors of Commerce - Taxation And Law

Devi Ahilya Vishwavidyalaya
04.2001 -

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