Summary
Overview
Work History
Education
Skills
References
Timeline
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Michael Luton

Summary

Detail-oriented CDD Analyst with proven expertise in financial crime prevention, risk analysis, and high-risk case management. Skilled in collaboration with front-office teams and delivering under tight deadlines. Eager to apply a strong foundation in financial analysis and due diligence to future roles and projects.

Overview

2
2
years of professional experience

Work History

Executive CDD Analyst

Rabobank
04.2025 - Current
  • Promoted to Executive CDD Analyst, taking ownership of more complex, high-risk cases and increased productivity targets
  • Conducted comprehensive due diligence on clients, ensuring full compliance with global regulatory framework.
  • Assessed and interpreted complex ownership structures, financial data, and documentation to identify potential financial crime and reputational risks.
  • Applied a risk-based approach to mitigate potential financial and reputational risk, ensuring thorough due diligence and compliance with regulatory standards.
  • Prepared detailed due diligence files and approval memos for senior stakeholders, supporting decision making on high-exposure clients.
  • Facilitated team meetings to discuss case progress, resolve challenges, and implement process improvements.
  • Leveraged internal systems and external databases (e.g. Dow Jones, Accuity, Orbis) to verify client information and support risk-based decisions.
  • Actively monitored evolving regulatory standards and internal requirements, ensuring continued alignment with compliance expectations.

CDD Analyst

Rabobank
04.2024 - 04.2025
  • Promoted to CDD Analyst, taking on more complex cases and consistently meeting productivity targets.
  • Undertook an additional project to manage, assess, and mitigate over 500 FIM transaction alerts facilitating the department's move to a new automated system.
  • Conducted thorough due diligence on a diverse range of clients, including corporates, funds and trust, ensuring compliance with global regulatory standards.
  • Analysed client data and documentation to identify and mitigate potential risks, applying a risk based approach to mitigate potential financial crime and reputational risks.
  • Prepared detailed due diligence reports and approval memos for senior management, supporting decision-making on high-exposure clients
  • Participated in team meetings to discuss case progress, resolve challenges, and contribute to improvement strategies.
  • Utilised and developed skills using internal systems and external databases (e.g. Dow Jones, Orbis, Companies house, KvK) to verify client information and ensure accuracy in due-diligence efforts
  • Maintained up-to-date knowledge of industry regulations and compliance requirements along with internal standards.

Junior CDD Analyst

Rabobank
08.2023 - 04.2025
  • Completed extensive training in customer due diligence, financial crime prevention, and global regulatory frameworks (e.g. AML, KYC, FATF), building a strong foundation in risk analysis and compliance.
  • Gained hands-on experience in managing due diligence files, analysing client risk profiles, and identifying potential financial crime and reputational risks, directly contributing to risk mitigation efforts.
  • Collaborated with senior analysts to perform detail client assessments, reviewing financial data and documents to ensure compliance with industry regulation and internal policies.
  • Assisted in the preparation of comprehensive due diligence reports and memos, presenting key risk factors and conducting in depth screening for any potential PEPs or sanctions violations
  • Developed proficiency in key financial crime prevention tools and databases (e.g. Dow Jones, Acuity, Companies House, KvK), strengthening analytical skills and improving risk-based decision making.
  • Demonstrated strong adaptability and attention to detail through on-the-job training, quickly mastering processes related to regulatory compliance, name screening, and risk assessment.

Education

Certificate in Anti-Money Laundering -

International Compliance Association

A-Levels - Mathematics (C) , Economics (B) and Business Studies (C)

Wilmington Grammar School for Boys

Skills

  • Due Diligence Expertise : Conducted comprehensive due diligence checks on a range clients, ensuring alignment with global regulatory standards and internal compliance policies
  • Risk Analysis : Analysed complex client data and documentation to identify and mitigate potential risks
  • Report Preparation : Prepared clear and concise reports, memos, and recommendations to support decision making by senior stakeholders
  • Training and Mentoring : Supported junior analysts through training and knowledge sharing sessions, promoting best practices and continuous learning
  • Regulatory Knowledge : Maintained up-to-date knowledge of evolving industry regulations and compliance requirements
  • High-Risk Case Management : Managed complex, high-risk cases, ensuring adherence to the highest regulatory standards

References

References available upon request.

Timeline

Executive CDD Analyst

Rabobank
04.2025 - Current

CDD Analyst

Rabobank
04.2024 - 04.2025

Junior CDD Analyst

Rabobank
08.2023 - 04.2025

Certificate in Anti-Money Laundering -

International Compliance Association

A-Levels - Mathematics (C) , Economics (B) and Business Studies (C)

Wilmington Grammar School for Boys

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