Summary
Overview
Work history
Education
Skills
CONTINUING PROFESSIONAL DEVELOPMENT
AVAILABILITY
Timeline
Generic

ANNA KOMKOVA

London,UK

Summary

Senior AML & KYC professional with over 15 years of experience within UK and EU regulated payment institutions and fintech environments. Proven background as MLRO / Nominated Officer with end-to-end responsibility for AML/CTF frameworks, regulatory engagement, SAR decision-making, and senior management reporting. Strong hands-on expertise across KYC/CDD/EDD, transaction monitoring, sanctions screening, and audits. Seeking a part-time AML / KYC / Financial Crime role where regulatory expertise, reliability, and operational excellence are required.

Overview

17
17
years of professional experience
2021
2021
years of post-secondary education

Work history

Nominated Officer / MLRO and Deputy MLRO

Opal Transfer EU, UAB and Opal Transfer LTD
London
2021.07 - 2023.12
  • Held full MLRO responsibility for a regulated payment institution operating under EU and UK AML frameworks.
  • Conducted and oversaw periodic KYC reviews for individual and corporate customers, including high-risk profiles.
  • Reviewed and approved CDD and EDD outcomes, including source of funds and source of wealth assessments.
  • Reviewed internal SARs and made decisions on external SAR submissions to FIUs.
  • Performed daily sanctions, PEP, and adverse media screening against OFSI (HMT), EU, UN, and US OFAC lists using Dow Jones.
  • Maintained AML/KYC records in line with regulatory and audit requirements.
  • Delivered AML and Compliance training to staff in line with Lithuanian AML regulations.
  • Approved high-risk customers and transactions at senior management level.
  • Managed DPA requests from law enforcement and third parties.
  • Participated in independent AML audits and regulatory visits, implementing remediation actions.
  • Prepared and submitted quarterly AML and Compliance reports to the Board.
  • Supported business change initiatives including onboarding processes, customer risk scoring, and transaction monitoring enhancements.

Nominated Officer / MLRO

Opal Transfer Ltd
London
2020.11 - 2021.07
  • Acted as MLRO with responsibility for AML governance, SAR oversight, and regulatory reporting.
  • Reviewed SARs and submitted reports to NCA, HMRC, Police, and Action Fraud as required.
  • Responded to AML and Compliance requests from FCA and HMRC.
  • Oversaw daily transaction monitoring and sanctions alert reviews.
  • Submitted FCA REP-CRIM and REP017 fraud reports.
  • Delivered AML and Compliance training aligned with UK MLR, PSR, and FCA guidance.

Deputy MLRO

Opal Transfer Ltd
London
2017.09 - 2020.11
  • Supported MLRO in managing AML/CTF framework for UK-regulated money services business.
  • Executed KYC onboarding for non-face-to-face customers.
  • Conducted EDD reviews and approved high-risk relationships.
  • Monitored transactions in real time and through periodic reviews.
  • Assisted with SAR preparation and regulatory correspondence.
  • Supported implementation of fraud prevention and risk mitigation controls.

Branch Manager / Senior Sales Assistant

Opal Transfer Ltd
London
2007.01 - 2011.01
  • Managed branch operations and supervised customer-facing staff.
  • Ensured compliance with internal KYC policies and Data Protection Act requirements.
  • Identified and escalated suspicious activity to Nominated Officer.
  • Maintained accurate customer documentation and cash-flow records.

Education

ICA International Diploma - Anti-Money Laundering

International Compliance Association (ICA)
United Kingdom

Skills

  • AML / CTF Frameworks (UK MLR, EU AML Directives)
  • KYC, CDD & Enhanced Due Diligence (EDD)
  • Periodic KYC Reviews & Ongoing Monitoring
  • SAR Review, Decision-Making & Regulatory Submissions
  • Transaction Monitoring & Sanctions Screening
  • PEP & Adverse Media Checks (Dow Jones)
  • High-Risk Client Assessment & Approval
  • Regulatory Engagement (FCA, HMRC, FIU, Bank of Lithuania)
  • AML Audits & Regulatory Inspections
  • AML Policies, Procedures & Risk Assessments
  • Staff AML Training & Testing
  • Accurate Record Keeping & Data Governance (DPA / GDPR)

CONTINUING PROFESSIONAL DEVELOPMENT

  • Regular AML and Financial Crime training via FCA, HMRC, OFSI
  • ICA (International Compliance Association) events and webinars
  • Industry forums and fintech financial crime conferences

AVAILABILITY

  • Seeking part-time roles (approx. 20 hours per week)
  • Open to remote or hybrid UK-based opportunities

Timeline

Nominated Officer / MLRO and Deputy MLRO

Opal Transfer EU, UAB and Opal Transfer LTD
2021.07 - 2023.12

Nominated Officer / MLRO

Opal Transfer Ltd
2020.11 - 2021.07

Deputy MLRO

Opal Transfer Ltd
2017.09 - 2020.11

Branch Manager / Senior Sales Assistant

Opal Transfer Ltd
2007.01 - 2011.01

ICA International Diploma - Anti-Money Laundering

International Compliance Association (ICA)
ANNA KOMKOVA