Imran Anjum
Dubai
Summary
Detail-oriented Financial Crime Compliance Analyst with 5 years of experience in anti-money laundering (AML), counter-terrorism financing (CTF), know-your-customer (KYC), transaction monitoring (TMU), and fraud prevention. Adept at monitoring transactions, conducting investigations, and ensuring compliance with regulatory requirements. Proven track record in developing effective compliance strategies and maintaining high financial crime risk management standards. Expertise in risk assessment, due diligence, and process improvement. Filled with the ability to develop and implement strategies to handle high-risk customer onboarding effectively while minimizing operational and reputational risks.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Compliance Officer
Emirates NBD Bank
01.2025 - Current
- Performed Enhanced Due Diligence on Special Risk clients, successfully identifying and mitigating potential risks.
- Conducted end-to-end compliance reviews for Trigger events, High-Risk Annual Reviews (HRAR), new-to-bank (NTB), compliance advisory, retention reviews, and Onboarding for potential customers.
- Analyzed annual transaction reports to identify patterns indicative of money laundering using the risk-based approach for individuals and entities.
- Reduced false positives in transaction monitoring alerts through continuous refinement of system parameters based on historical patterns and trends.
- Validating and identifying the primary documents of entities and individuals as part of onboarding and annual reviews such as MOA, AOA, UBO Identification, TL, FATCA & CRS declaration, and related business activities.
- Identification and mitigation of risks related to Sanctions and high-risk jurisdictions.
- Compliant and efficient in using AML screening software such as Compliance 360, Firco, Factiva, and FCRM for transaction monitoring and SAR report analysis.
Compliance Analyst - Business Control Unit
RAK Bank (Idenfo)
07.2024 - Current
- Perform enhanced due diligence (EDD) for high-risk customers, including politically exposed persons (PEPs) and high-net-worth individuals (HNWIs)
- Supported KYC and AML compliance functions by conducting initial and periodic reviews of customer accounts with 98% accuracy
- Monitored transactions and customers to identify patterns indicative of money laundering and terrorist financing
- Verifying customer information and documentation to ensure compliance with AML regulations and company policies
- Conducted risk assessments and gap analyses to identify potential vulnerabilities and recommend mitigation strategies
- Assisted identification, assessment, and reporting of operational risks, ensuring alignment with company policies and regulatory requirements
- Conducted in-depth analysis of operational data and risk indicators to support decision-making and risk mitigation efforts
- Monitored and reviewed financial transactions and processes to detect and prevent discrepancies using AML9 reports.
Financial Crime Compliance Quality Analyst
Commercial Bank International (Idenfo)
07.2024 - 08.2024
- Responsible for generating and implementing quality assurance standards for high-risk Onboarding and transaction monitoring of RBG and WBG customer base in line with CBI and CBUAE procedures, guidelines, and regulatory requirements
- Identifying and streamlining any gaps in OB process of customers based on Geographical, Industry, Product/Service, Channel, and other risk-contributing factors
- Analyzing KYC documents of individuals, entities, UBOs, shareholders, and other related parties
- Performed source of income and wealth validation checks, HR customer profiling, purposes and intent to use account, Line of Business, and activity against bank risk appetite statement
- Ensuring adherence to AML regulations and guidelines, including customer due diligence (CDD), enhanced due diligence (EDD), and suspicious activity reporting using FCRM up to 100%
- Make sure that RFIs have been initiated where there is KYC deviation in parameters
- Cross-reference customers and related parties against databases, such as those for politically exposed persons (PEPs), sanctions lists, world-check, and adverse media sources.
FATCA/KYC Analyst
Dubai Islamic Bank
09.2023 - 05.2024
- Conducted detailed KYC checks, including identity verification, risk assessment, and screening against sanctions and OFAC
- Led planning and implementation of FATCA and CRS compliance programs working as Maker and Checker conducting 600+ checks, core updates in Oracle (FLEX) banking system, and authorization of transactions
- Utilized KYC tools and systems to enhance efficiency in information-gathering and verification processes
- Conducted thorough customer due diligence, including customer onboarding, and ongoing monitoring
- Reduced risk of money laundering and terrorist financing by implementing robust KYC policies and procedures
Financial Crime Compliance Team Lead
Mindbridge (Revolut LTD)
03.2021 - 05.2023
- Investigation of suspicious financial activity, and researching high-value credit card transactions to identify potential fraud.
- Identified, flagged, and reported suspicious transactions to minimize financial threats.
- Managed customer Onboarding, financial activity, and Offboarding procedures
- Prepare regulatory reports, requests for information (RFI), and suspicious activity reports (SAR)
- Unusual activity report (UAR/SAR/STR) report filing after investigating alerts raised by transaction monitoring systems (TMS), Preparation of DAML using Risk Based Investigation model (RBI)
- Reduced false positives in transaction alerts by refining screening parameters and thresholds by 20%
- Investigated suspicious activities, gathering evidence and submitting comprehensive incident reports.
Education
Diploma in Accounting and Business - Accounting and Finance
ACCA, Ireland
ACCA03.2019
Higher National Diploma - Management and Leadership
Icon College of Technology And Management
London06.2011
Bachelor of Commerce - Accounting, Economics, and Finance
University of Punjab, Pakistan
GCC 08.2007
Skills
- AML alerts investigation
- SAR/STR Report writing and drafting
- Transaction Monitoring and Analysis
- High-Risk Onboarding
- KYC Maker and Checker
- KYC Periodic Reviews
- Customer Due Diligence
- Enhance Due Diligence
- Risk Assessment & Mitigation
- FATCA & CRS Assessment
- Governance, Risk, and Compliance
Certification
- ICA Certificate in Anti-Money Laundering (2024)
- Certified Compliance Analyst by Revolut, Dubai Islamic Bank, and RAK Bank
Timeline
Compliance Officer
Emirates NBD Bank
01.2025 - Current
Financial Crime Compliance Quality Analyst
Commercial Bank International (Idenfo)
07.2024 - 08.2024
Compliance Analyst - Business Control Unit
RAK Bank (Idenfo)
07.2024 - Current
FATCA/KYC Analyst
Dubai Islamic Bank
09.2023 - 05.2024
Financial Crime Compliance Team Lead
Mindbridge (Revolut LTD)
03.2021 - 05.2023
- ICA Certificate in Anti-Money Laundering (2024)
- Certified Compliance Analyst by Revolut, Dubai Islamic Bank, and RAK Bank
Diploma in Accounting and Business - Accounting and Finance
ACCA, Ireland
Higher National Diploma - Management and Leadership
Icon College of Technology And Management
Bachelor of Commerce - Accounting, Economics, and Finance
University of Punjab, Pakistan
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