Raghu Siddalingaiah
Dubai,United Arab Emirates
Summary
Experienced KYC/AML professional specialising in customer and enhanced due diligence within banking. Led reviews and approvals of KYC profiles, assessed customer risk, and ensured compliance with UAE Central Bank AML/CFT regulations, FATCA, and CRS. Demonstrated leadership in quality assurance and financial crime risk mitigation, driving operational efficiency and supporting audits.
Overview
9
9
years of professional experience
Work history
KYC & compliance project analyst
Sharjah Islamic Bank(Testingxperts)
Sharjah, UAE
2025.10 - Current
- Validated customer risk ratings, sanctions, PEP, adverse media, and screening results, ensuring compliance with UAE Central Bank AML/CFT regulations, FATCA, CRS, and internal policies.
- Reviewed KYC profiles for accuracy, completeness, and compliance, verifying customer identification documents, CDD/EDD requirements, risk assessments, and supporting documentation for individual and corporate customers to ensure regulatory adherence.
- Identified discrepancies, returned files for correction, and approved compliant KYC files while maintaining accurate records and supporting periodic KYC reviews and remediation projects to uphold compliance standards.
- Assisted internal and external audits, escalated suspicious or unusual customer information to Compliance/AML teams, and contributed to process improvements that enhanced KYC quality, compliance, and operational efficiency.
KYC and QA Analyst - Business Banking Group
NATIONAL BANK OF RAS AL KHAIMAH PJSC - INNOVATIONS GROUP (IDENFO SOLUTIONS)
Dubai
2024.09 - 2025.05
- Performed detailed Know Your Customer (KYC) and Enhanced Due Diligence (EDD) reviews for customers from high-risk and sanctioned jurisdictions, including Iran and Syria, ensuring customer identification, verification, and risk assessments complied with UAE regulatory requirements and Financial Intelligence Unit (FIU) guidelines.
- Led team of 16 in on-site reviews of high-risk customer entities, validating KYC documentation and independently verifying information from relationship managers and customers to ensure compliance with regulatory standards.
- Conducted comprehensive Due Diligence (DD) and Quality Assurance (QA) reviews to identify and mitigate risks associated with high-risk customer accounts, including Designated Non-Financial Businesses and Professions (DNFBPs), in compliance with UAE Central Bank AML/CFT regulations.
- Collaborated with compliance and risk management teams to assess customer risk profiles and assign appropriate risk ratings, focusing on high-risk jurisdictions, cash-intensive businesses, and politically exposed persons (PEPs) to enhance overall risk assessment accuracy.
- Conducted enhanced due diligence investigations, including adverse media and background screening, identifying potential financial crime risks to support informed decisions on customer onboarding, continuation, or exit.
Islamic Finance Executive
ABU DHABI ISLAMIC BANK
Dubai
2023.10 - 2024.08
- Performed Enhanced Due Diligence (EDD) procedures to evaluate and mitigate client risk for corporate entities.
- Evaluated potential risks and compliance matters pertaining to customers and products.
- Conducted thorough due diligence on customer documentation and data.
- Cultivated strategic relationships with key institutions and government departments to enhance collaboration.
- Enhanced product knowledge through training sessions, leading to successful implementation across teams.
- Authenticated critical business client documents, including registration, financials.
RELATIONSHIP OFFICER
EMIRATES ISLAMIC BANK (FINMART FINANCIAL SERVICES)
2022.10 - 2023.08
- Engaged with clients to assess requirements and provided tailored solutions, achieving successful up-sell of additional services.
- Managed credit card services, cross-selling personal loans at Emirates Islamic Bank, contributing to increased customer portfolio.
- Executed thorough KYC evaluations for individual and corporate clients, ensuring compliance with regulatory mandates and enhancing client trust.
- Diligently processed KYC documentation for new business, achieving a high approval rate through meticulous form verification.
Sales Officer
COMMERCIAL BANK OF DUBAI (PACT EMPLOYMENT SERVICES)
2020.12 - 2022.08
- Managed credit card sales for Commercial Bank of Dubai, resulting in significant revenue growth.
- Spearheaded lead generation across diverse channels, increasing business opportunities.
- Orchestrated client engagement initiatives within corporations, improving lead acquisition.
- Cultivated a robust network of professional relationships, bolstering business prospects.
- Diligently verified and processed KYC documentation to ensure a high approval rate for new business.
ASSISTANT MANAGER - RELEASE
RUPEEK FINTEK PVT. LTD
2019.10 - 2020.10
- Led teams responsible for both full and partial gold release processes, driving team performance and productivity.
- Managed backend operations for gold release across North India cities, enhancing operational accuracy and service delivery.
- Oversaw Pan India deceased customer portfolio, facilitating gold release, account renewals, and transfers to maintain customer satisfaction.
- Handled escalations, coordinated payment processing, and executed data rectification to ensure timely resolution.
Operations Manager
EXTRACARE SERVICES
Bangalore
2017.10 - 2019.10
- Managed inventory accuracy with monthly audits, ensuring compliance with regulatory standards.
- Optimised technician productivity through targeted service personnel training.
- Executed meticulous Quality Control Inspections, adhering to both company and client protocols.
- Provided staff training and support to enhance property manager's operational effectiveness.
- Recruited top-tier candidates, aligning with organizational talent acquisition standards.
- Enhanced pest control effectiveness by applying entry point sealing and rodent extermination techniques.
- Served high-profile clients including Intel (PAN India), Shell India Markets Private Limited, and Microsoft Corporation (India) Pvt Ltd.
Education
Bachelor of Commerce - Commerce
PERIYAR UNIVERSITY
Salem, Tamil Nadu, IndiaAdvance Diploma - Office Automation and Tally
ESPILON INFOTECH
Bengaluru Karnataka IndiaSkills
KYC and AML compliance
Risk assessment and due diligence
Regulatory reporting
Customer relationship management
Operational management
Financial analysis
Team management
Languages
English
Fluent
Kannada
Native
Hindi
Fluent
Tamil
Fluent
Timeline
KYC & compliance project analyst
Sharjah Islamic Bank(Testingxperts)
2025.10 - Current
KYC and QA Analyst - Business Banking Group
NATIONAL BANK OF RAS AL KHAIMAH PJSC - INNOVATIONS GROUP (IDENFO SOLUTIONS)
2024.09 - 2025.05
Islamic Finance Executive
ABU DHABI ISLAMIC BANK
2023.10 - 2024.08
RELATIONSHIP OFFICER
EMIRATES ISLAMIC BANK (FINMART FINANCIAL SERVICES)
2022.10 - 2023.08
Sales Officer
COMMERCIAL BANK OF DUBAI (PACT EMPLOYMENT SERVICES)
2020.12 - 2022.08
ASSISTANT MANAGER - RELEASE
RUPEEK FINTEK PVT. LTD
2019.10 - 2020.10
Operations Manager
EXTRACARE SERVICES
2017.10 - 2019.10
Bachelor of Commerce - Commerce
PERIYAR UNIVERSITY
Advance Diploma - Office Automation and Tally
ESPILON INFOTECH