Summary
Overview
Work History
Education
Skills
Certification
Websites, Portfolios and Profiles
Timeline
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Fatima Malik

Uxbridge,Greater London

Summary

Senior Financial Crime & AML Analyst with 9+ years’ experience across private banking, wealth management, brokerage, and pensions. Specialist in CDD/EDD, complex structures, sanctions/PEP screening, transaction monitoring, remediation, and multi-jurisdiction onboarding (UK, EU, UAE). Recognised for accuracy, integrity, and strong stakeholder engagement. Proven track record of improving onboarding efficiency, reducing false positives, and strengthening compliance frameworks.

Overview

1
1
Certification
11
11
years of professional experience

Work History

Operations & Customer Service Executive

AutomatedStorage Ltd
12.2025 - 06.2026
  • Managed day-to-day operations of busy self-storage facility to keep security tight.
  • Kept site clean and well-maintained while handling routine operational checks.
  • Delivered professional customer support for enquiries, bookings, contracts, and accounts.

AML Remediation Analyst (Contract)

Brown Shipley Bank
London
12.2024 - 12.2025
  • Supported AML remediation programme addressing compliance gaps and strengthening regulatory adherence.
  • Conducted AML due diligence for adding/removing Powers of Attorney across individual, charity, trust, and pension accounts.
  • Verified identities, assessed risk levels, and ensured compliance with FCA/AML regulations.
  • Performed data cleansing, validation, and discrepancy resolution to improve record accuracy.
  • Updated AML policies and procedures in line with regulatory changes.
  • London
  • Improved data integrity through enhanced validation processes.
  • Strengthened remediation outcomes by identifying and correcting critical compliance gaps.

Client Lifecycle Management Analyst (Short Contract)

Cambridge Associates
London
07.2024 - 08.2024
  • Completed AML/KYC onboarding and refresh reviews across multiple jurisdictions.
  • Conducted transaction monitoring and investigations into unusual or suspicious activities.
  • Compiled AML/KYC packages for complex entities with multi-layered ownership structures.
  • Enhanced processes supporting client data collection and documentation maintenance.
  • Ensured robust audit trails from initial review through final approval.
  • London
  • Improved documentation quality and consistency across CLM processes.
  • Strengthened monitoring controls by identifying unusual activity patterns early.

Senior Client Onboarding Analyst (Contract)

LGT Wealth Management
London
10.2023 - 06.2024
  • Led onboarding of new clients, ensuring compliance with UK and local booking requirements.
  • Performed CDD/EDD on complex entities including trusts, charities, pensions, and offshore structures.
  • Assessed negative news hits and reputational risk, tailoring document requests based on risk scoring.
  • Collaborated with Relationship Managers and Investment Managers to resolve onboarding queries.
  • Updated procedure manuals and maintained compliance documentation.
  • London
  • Reduced onboarding delays by improving document request accuracy.
  • Strengthened risk assessment quality for high-risk and complex structures.

KYC/AML Senior Analyst (Permanent)

RJ O’Brien
London
11.2021 - 05.2023
  • Conducted AML risk assessments and determined appropriate due diligence levels (CDD/EDD).
  • Managed full KYC onboarding across three jurisdictions.
  • Drafted, coordinated, and maintained FCC policies and procedures.
  • Reviewed complex AML cases and provided second-line advisory support.
  • Performed sanctions/PEP screening, adverse media checks, and transaction monitoring.
  • Supported MiFID implementation and resolved onboarding issues.
  • London, Paris, Dubai
  • Reduced false positive alerts by 40% through process optimisation.
  • Cut onboarding time by 25% by streamlining documentation workflows.
  • Strengthened AML controls for Dubai subsidiaries with high-risk clearing exposure.

Compliance Specialist (Short Contract)

Zeidler Legal Services
London
06.2021 - 08.2021
  • Conducted anti-terrorist and sanctions checks using Refinitiv.
  • Identified PEPs and high-risk clients through detailed online profiling.
  • Updated CDD for existing clients and performed due diligence on third-party payers.
  • Drafted due diligence questionnaires for distributors, administrators, and investment managers.
  • Collaborated with developers via Jira to improve internal systems.
  • London
  • Enhanced onboarding accuracy by improving risk profiling templates.
  • Strengthened compliance documentation for legal and regulatory obligations.

Client Banking & Reconciliation Executive (Permanent)

The People’s Pension
01.2018 - 05.2021
  • Performed AML/KYC onboarding and ongoing reviews for Global Banking & Markets clients.
  • Reviewed Suspicious Activity Reports (SARs) and conducted AML checks using Smart Search.
  • Ensured compliance with MiFID and internal AML standards.
  • Managed direct debit setup, source-of-fund checks, and payment allocation.
  • Balanced commercial needs with regulatory requirements.
  • UK
  • Improved AML review efficiency across pension products.
  • Strengthened SAR escalation quality through detailed investigations.

Tax Administrator, Corporate Client Services (Permanent)

The People’s Pension
01.2015 - 12.2017
  • Ensured client accounts met HMRC and Pensions Regulator guidelines.
  • Resolved complex tax relief cases and supported corporate client onboarding.
  • Collaborated cross-departmentally to improve customer journeys.
  • UK
  • Achieved 95% resolution rate within 72 hours for HMRC queries.
  • Secured 93% success rate in onboarding corporate clients.

Education

BA - English Literature & Journalism

University of Punjab
Lahore
01.2008

Skills

  • AML / KYC Onboarding
  • Enhanced Due Diligence (EDD)
  • Complex Ownership Structures
  • Sanctions, PEP & Adverse Media Screening
  • Transaction Monitoring & Investigations
  • AML Remediation & Policy Updates
  • Regulatory Compliance (FCA, FATF, 6AMLD, POCA, DFSA, MiFID, EMIR)
  • Client Lifecycle Management (CLM)
  • Risk Assessment & Escalations
  • Stakeholder Engagement
  • Data Quality & Audit Trails
  • Refinitiv
  • Smart Search
  • AML Smart Search
  • Lexis Nexis
  • Figaro
  • Wealth Monitor
  • RAMS
  • UBIX
  • GMI
  • Jira
  • Origo
  • Microsoft Office Suite

Certification

  • FAB – Foundation of Accountancy Business, ACCA, 2020-01-01
  • CF1 – UK Financial Services, Regulation & Ethics, FCA, 2017-01-01

Websites, Portfolios and Profiles

https://linkedin.com/in/fatima-malik-3202329b

Timeline

Operations & Customer Service Executive

AutomatedStorage Ltd
12.2025 - 06.2026

AML Remediation Analyst (Contract)

Brown Shipley Bank
12.2024 - 12.2025

Client Lifecycle Management Analyst (Short Contract)

Cambridge Associates
07.2024 - 08.2024

Senior Client Onboarding Analyst (Contract)

LGT Wealth Management
10.2023 - 06.2024

KYC/AML Senior Analyst (Permanent)

RJ O’Brien
11.2021 - 05.2023

Compliance Specialist (Short Contract)

Zeidler Legal Services
06.2021 - 08.2021

Client Banking & Reconciliation Executive (Permanent)

The People’s Pension
01.2018 - 05.2021

Tax Administrator, Corporate Client Services (Permanent)

The People’s Pension
01.2015 - 12.2017

BA - English Literature & Journalism

University of Punjab
Fatima Malik