NAIMA MOHAMED
Sharjah,UAE
Summary
Compliance and onboarding specialist with expertise in KYC/KYB verification, AML compliance, and regulatory frameworks. Experienced in customer due diligence (CDD/EDD), sanctions screening, and risk assessment within fintech environments. Skilled in managing end-to-end onboarding operations and delivering accurate data analysis and reporting. Proficient in CRM systems, JIRA, Zendesk, and Microsoft Excel, with a strong focus on process improvement and operational efficiency. Committed to maintaining regulatory standards and supporting effective risk management.
Overview
9
9
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work history
Onboarding & Compliance Specialist
Xpence (Fintech)
Dubai, UAE
2022.08 - 2026.04
- Conduct KYC/KYB verification for individual and corporate clients in compliance with AML regulations
- Perform customer due diligence (CDD) and enhanced due diligence (EDD) for high-risk profiles
- Screen customers against sanctions lists, PEP databases, and adverse media sources
- Review and validate corporate documents including trade licenses, UBO structures, and shareholder information
- Manage high-volume onboarding cases while ensuring accuracy and regulatory compliance
- Collaborate with risk and compliance teams to identify and mitigate potential financial crime risks
- Investigate suspicious activities and escalate cases in line with internal AML policies
- Improved onboarding workflow efficiency, reducing processing time and enhancing customer experience
Operations Back Office
Noon.com
Dubai
2019.03 - 2022.06
- Delivered high-quality customer support, resolving complex issues and improving customer satisfaction
- Investigated and resolved customer disputes through detailed research and coordination with internal teams
- Developed and implemented process improvements that enhanced operational efficiency
- Supported management in optimizing workflows and resolving operational challenges
- Assisted in training and mentoring team members, contributing to improved team performance
Customer Service Representative
Namshi (E-commerce Platform)
Dubai
2017.05 - 2017.07
- Handled 90+ customer interactions daily, including account support, order tracking, and issue resolution
- Delivered customer-focused solutions while maintaining high service standards
- Resolved customer complaints using effective communication and problem-solving techniques
Education
Bachelor of Business Administration (BBA) - Accounting, Management Information Systems
University of Sharjah
2015.01 - 2018.12
Skills
- KYC / KYB Verification
- AML Compliance & Regulatory Requirements
- Customer Due Diligence (CDD / EDD)
- Sanctions, PEP & Adverse Media Screening
- Risk Assessment & Fraud Detection
- Customer Onboarding Operations
- Data Analysis & Reporting
- Process Improvement
- Tools & Systems: CRM Systems, JIRA, Zendesk, Microsoft Excel
Certification
ACAMS (Anti-Money Laundering Certification) – In Progress
LANGUAGES
Arabic – Native / Bilingual
English – Full Professional Proficiency
Somali – Native / Bilingual
ADDITIONAL INFORMATION
- Strong attention to detail and analytical thinking
- Ability to work under pressure in fast-paced environments
- Excellent communication and stakeholder coordination skills
Timeline
Onboarding & Compliance Specialist
Xpence (Fintech)
2022.08 - 2026.04
Operations Back Office
Noon.com
2019.03 - 2022.06
Customer Service Representative
Namshi (E-commerce Platform)
2017.05 - 2017.07
Bachelor of Business Administration (BBA) - Accounting, Management Information Systems
University of Sharjah
2015.01 - 2018.12