Umme Salma
Dubai,UAE
Summary
Detail-oriented Accounts Payable and AML/KYC professional with experience in financial operations and financial crime compliance. Skilled in KYC, CDD/EDD, PEP transaction monitoring, sanctions screening, and payment processing. A quick learner with strong analytical skills, committed to accuracy, compliance, and delivering quality results.
Overview
1
1
Language
3
3
years of post-secondary education
7
7
years of professional experience
Work history
Senior Analyst – KYC/AML
PayPal
Bangalore, India
11.2021 - 11.2026
- Hands-on experience in AML/KYC operations including Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), onboarding reviews, sanctions screening, adverse media screening, periodic reviews, triggered reviews, and ongoing monitoring for both individual and corporate customers.
- Analyzed complex transactional and customer data to identify patterns, trends, anomalies, and potential indicators of money laundering, terrorist financing, fraud, and fund structuring activities.
- Conducted detailed investigations related to source and destination of funds to verify legitimacy at both customer and account levels, including associated counterparties and transactional behavior.
- Identified high-risk customers and suspicious activities through continuous monitoring, risk assessments, and escalated findings in accordance with compliance procedures.
- Demonstrated strong understanding of global compliance frameworks and regulatory requirements including BSA, AML, OFAC, sanctions compliance, and internal risk policies.
- Performed quality assurance reviews and resolved process-related queries to ensure compliance, operational efficiency, and adherence to internal policies and regulatory standards.
- Utilised analytical and problem-solving skills to support investigations, improve decision-making, and contribute to operational excellence within the compliance function.
- Collaborated with cross-functional teams to streamline workflows, enhance quality standards, and support business objectives while ensuring regulatory compliance.
- Ensured adherence to all applicable federal, state, and organizational laws, regulations, and compliance guidelines while maintaining high standards of confidentiality and professionalism.
- Provided end-to-end training, mentoring, and onboarding support to new team members, ensuring smooth knowledge transition and process understanding.
- Conducted training sessions for new team members and oversaw daily team operations.
Accounts payable associate
Legato health technologies
Bangalore, India
06.2019 - 11.2020
- Reviewed documents and verified details before approving payments.
- Investigated and resolved payment-related issues and discrepancies.
- Processed cases accurately while meeting daily targets and quality standards.
- Managed Medicaid, Medicare, COB, and complex payment cases, ensuring timely resolution of issues.
- Collaborated with procurement, finance, and other departments to effectively resolve insurance issues.
- Allocated daily workload and assigned cases to team members to optimise operational efficiency.
- Prepared and shared daily inventory and performance reports.
- Supported process improvements and helped maintain team productivity.
Education
Bachelor’s in Commerce - Accounts and Taxation
Goodwill Christian College for Women
Bangalore 06.2015 - 05.2018
Skills
AML KYC CDD EDD Sanctions Screening Adverse Media Screening Ongoing Monitoring Transaction Monitoring Risk Assessment Compliance Operations Investigations SQL Quality Assurance Team Training Customer Onboarding Regulatory Compliance Risk assessment
Personal Details
English, Hindi, and Urdu
Proficient (C2)
Timeline
Senior Analyst – KYC/AML
PayPal
11.2021 - 11.2026
Accounts payable associate
Legato health technologies
06.2019 - 11.2020
Bachelor’s in Commerce - Accounts and Taxation
Goodwill Christian College for Women
06.2015 - 05.2018