Mubashar Akram
Summary
Financial Crime Compliance professional with over 10 years' experience delivering technology-enabled AML, Transaction Monitoring, KYC, Sanctions Screening and Financial Crime solutions across Tier-1 banks and fintechs. Experienced in translating business and regulatory requirements into practical system enhancements, transaction monitoring rule optimisation, model validation and end-to-end FCC solution delivery. Strong background working with compliance stakeholders, data teams and technology functions to configure, test, validate and enhance financial crime platforms including FICO Tonbeller (Siron AML), SAS, NICE Actimize and AI-enabled screening solutions. Adept at requirements gathering, UAT, production support, documentation and stakeholder engagement across large banking transformation programmes. Seeking to support Saudi financial institutions through technology-driven Financial Crime Compliance solutions.
Overview
12
12
years of professional experience
Work History
TM Model Validation Manager (contract)
Square 4 Partners – Client: Monzo Bank
07.2025 - Current
- Led end-to-end validation of FICO Tonbeller transaction monitoring models covering over 1,200 alert samples across AML, sanctions and fraud scenarios.
- Worked closely with Compliance, Data Science and Technology teams to review business requirements and translate regulatory expectations into enhanced monitoring scenarios.
- Validated transaction monitoring rule logic, thresholds, customer segmentation and data quality, reducing false positives by 34%.
- Performed detailed scenario testing, data analysis and defect identification to improve detection effectiveness.
- Produced regulator-ready functional documentation, validation reports and optimisation recommendations.
- Conducted root cause analysis for model weaknesses and recommended technical enhancements.
- Supported User Acceptance Testing (UAT) and production implementation of updated monitoring scenarios.
- Collaborated with stakeholders throughout the full validation lifecycle to ensure successful deployment.
Financial Crime Compliance Manager (contract)
Davies Group - Client: Skipton International Bank
12.2024 - 06.2025
- Delivered a bank-wide KYC remediation programme supporting implementation of enhanced onboarding controls.
- Gathered business requirements and translated regulatory expectations into practical compliance solutions.
- Supported implementation of AI-enabled ID verification using ID-Pal, improving onboarding efficiency and customer verification accuracy.
- Worked alongside technology teams to redesign onboarding workflows and improve system functionality.
- Produced functional documentation, process maps and user guidance.
- Supported testing and deployment of enhanced compliance controls into production.
- Led regulatory engagement with the Guernsey Financial Services Commission (GFSC).
- Designed typology-based controls addressing modern slavery and human trafficking risks.
Financial Crime Compliance Manager (contract)
Maproom - Client: Starling Bank
06.2023 - 07.2024
- Delivered FCA remediation programmes across customer onboarding and Financial Crime operations.
- Supported implementation of AI-enabled identity verification through iDenfy, increasing verification accuracy by 40%.
- Worked with operational and technology teams to improve fraud prevention controls and onboarding processes.
- Conducted solution testing and supported production deployment of enhanced verification capabilities.
- Produced governance documentation, regulatory reports and implementation documentation.
- Assisted stakeholders with post implementation support and continuous improvement initiatives.
Financial Crime Compliance Manager (contract)
Aston Carter
08.2021 - 02.2023
- Company Overview: (Client - HSBC & NatWest)
- Delivered enterprise Financial Crime Compliance projects across AML, KYC, Transaction Monitoring and Regulatory Compliance.
- Collaborated with business users and technology teams to support implementation of compliance solutions.
- Produced business requirements, process documentation and regulatory reporting.
- Supported system enhancements, operational improvements and technology-driven compliance initiatives.
- Participated in stakeholder workshops and regulatory audits.
Financial Crime Manager (contract)
Amigo Loans Ltd
07.2020 - 01.2021
- Led implementation of Transaction Monitoring, Sanctions Screening and KYC solutions across the Financial Crime function.
- Coordinated business stakeholders, technical teams and project managers throughout implementation.
- Produced business requirements, functional specifications and implementation documentation.
- Supported configuration, testing, deployment and post implementation support of FCC applications.
- Acted as PMO and Team Lead for Financial Crime technology delivery projects.
- Delivered user guidance and stakeholder training following successful implementation.
Senior AML Analyst (Contract)
Lloyd’s banking group
09.2014 - 02.2020
- Performed due diligence, risk profiling and assessments on customer account activities and transactions as generated by the group's AML system in a timely manner.
- Used the AML detection system (Fortent, CinS, StACs), to review payment alerts.
- Reviewed business ownership structures as part of CDD process, to identify UBO’s. (Ultimate beneficiary owner)
- Requested source of wealth from relationship manager as part of CDD process.
- Used varies of investigative methods to determine and identity AML risks and to assess propensity of customer activities to be linked with money laundering or criminal activities.
- Undertook Sanction Target List and PEP screening on new and existing customers to determine if there are any PEP/Sanction/AML risks to the Group.
- Performed direct and discreet background enquires information on new and existing customers through a variety of research and investigation techniques.
- Completed SARs when necessary and escalated to the compliance team in a timely manner and assist with any further information which may be required.
- Perform various general administrative duties (such as file creation and maintenance of ongoing administrative projects).
Education
Certified Anti-Money Laundering Specialist -
ACAMS
2026
Bachelor of Science - Business Information Technology
Leeds Metropolitan University
Leeds, United Kingdom01.2007
Skills
- Gathered and translated business requirements into technical solutions
- Worked alongside developers and data scientists to enhance FCC platforms
Techno-Functional Highlights
- Configured and optimised transaction monitoring rules
Performed model validation and UAT - Produced functional specifications and regulator-ready documentation
- Supported production deployments and post-implementation improvements
Personal Information
Citizenship: British Citizen
Languages
Arabic
Intermediate
B1
Hobbies and interests
I enjoy fitness, travel, and exploring how AI, analytics, and machine learning are driving innovation in RegTech to combat financial crime—an area I’m genuinely passionate about and actively research in my spare time.
Timeline
TM Model Validation Manager (contract)
Square 4 Partners – Client: Monzo Bank
07.2025 - Current
Financial Crime Compliance Manager (contract)
Davies Group - Client: Skipton International Bank
12.2024 - 06.2025
Financial Crime Compliance Manager (contract)
Maproom - Client: Starling Bank
06.2023 - 07.2024
Financial Crime Compliance Manager (contract)
Aston Carter
08.2021 - 02.2023
Financial Crime Manager (contract)
Amigo Loans Ltd
07.2020 - 01.2021
Senior AML Analyst (Contract)
Lloyd’s banking group
09.2014 - 02.2020
Certified Anti-Money Laundering Specialist -
ACAMS
Bachelor of Science - Business Information Technology
Leeds Metropolitan University