RAKHEE GOHIL
London,United Kingdom
Summary
An accomplished compliance and risk management professional, I bring extensive expertise in AML/CTF regulations, risk assessment, and regulatory compliance across UK, EU, and global environments. My proficiency in developing and implementing financial crime frameworks, conducting transaction monitoring, and managing SARs/ISRs is supported by a proven ability to identify and manage compliance through relationships in customer interactions, KYC, and EDD requirements through strong communication skills and a track record of advising senior leadership, handling audits, and collaborating with cross-functional teams to seamlessly integrate compliance into operations. Additionally, I am adept at leveraging tools such as LexisNexis, Sardine, and Chainalysis to optimize operational efficiency.
Overview
8
8
years of professional experience
2022
2022
years of post-secondary education
Work history
Compliance Manager
Sciopay
London
02.2025 - Current
- Lead small compliance team ensuring adherence to payment services regulatory obligations and internal policies.
- Designed and implemented robust Compliance Monitoring Program tailored to fintech operational risks.
- Handled escalated onboarding and transaction monitoring cases, including complex due diligence reviews.
- Collaborated with external stakeholders to assess wide variety of corporate and customer documentation for regulatory compliance.
- Worked cross-functionally with internal teams to conduct periodic risk assessments, thematic reviews, and control testing.
- Conducted follow-up assessments to track and validate remediation efforts.
- Identified gaps in compliance systems and policies through comprehensive gap analyses, recommending improvements to mitigate risk exposure.
- Led business-wide risk assessments to ensure ongoing compliance with FCA and AML regulations.
- Participated in and supported audit meetings, regulatory inspections, and internal governance reviews.
- Delivered compliance training programs to ensure staff awareness of current regulations, best practices, and internal standards.
- Conducted regulatory horizon scanning and maintained compliance obligations register to proactively address new or changing requirements.
- Managed development and implementation of key compliance policies and procedures, including Financial Crime, Conflicts of Interest, and Outsourcing.
- Oversaw Suspicious Activity Reporting (SAR) framework and contributed to firm-wide culture of compliance.
- Liaised with senior leadership to present compliance updates, KPIs, and emerging risks in regular governance meetings.
Senior Financial Crime Analyst
Jeeves Technologies
London
07.2023 - 10.2024
- Developed and implemented comprehensive financial crime framework, ensuring compliance with UK/EU AML and CTF regulations across multiple jurisdictions. Acted as Subject Matter Expert on AML, CTF, PEPs, and Sanctions, providing strategic guidance to business units.
- Collaborated with product and operations teams to integrate compliance into workflows, enhancing risk management.
- Led AML policy development for NAM and EMEA, ensuring alignment with current legislation and best practices.
- Directed transaction monitoring, investigations, EDD reviews, SAR reporting, and client onboarding, leveraging data analytics to detect and mitigate risks.
- Managed relationships with third-party vendors, aligning project delivery with financial crime prevention goals.
- Designed and implemented risk assessment frameworks to minimize financial crime risks, with key contributions to integration of LexisNexis RiskNarrative and Sardine technology to improve compliance efficiency.
- Delivered training on financial crime prevention, fostering a culture of compliance across organisation, and provided senior leadership with actionable reports on financial crime management.
- Led audits of financial transactions, ensuring compliance with internal and external sanctions, and handled communications during external audits.
Financial Crime Analyst
eToro (UK) Ltd
02.2022 - 06.2023
- Supported UK AML Team Lead and MLRO in developing and managing UK AML compliance monitoring program.
- Optimized AML processes to align with industry best practices and contributed to documentation of internal controls, policies, and procedures.
- Provided advisory support to operational teams on escalations, ensuring adherence to JMLSG standards and FCA regulations.
- Led customer due diligence and corporate documentation as primary decision-maker in onboarding process, overseeing functions performed by other group companies.
- Conducted investigations and assessments on SARs and ISRs, and coordinated law enforcement agency requests with National Crime Agency.
- Managed high-risk client portfolio for threat mitigation.
- Created monthly newsletter on Fraud/AML trends and prevention tips to increase staff and client awareness.
AML/CTF Specialist
Curve OS Ltd
02.2020 - 01.2022
- Manage ongoing AML/CTF investigations with decisive judgment on information requests and SAR reporting, leveraging experience in fraud disputes and transaction investigations.
- Oversee customer onboarding, including ID verification, KYC, CDD, EDD, and transaction monitoring for high-risk clients.
- Mentor and lead fraud disputes and investigation training programs, providing continuous feedback to team leaders and developing processes for new trainers.
- Administer vulnerable customer accounts, offering expert advice on high-risk fraud investigations.
- Handle FFE inquiries, DPAs, and Production Orders, liaising with police, HMRC, NCA, and other stakeholders to deliver crucial information.
- Prepare monthly reports for Wirecard/MasterCard, ensuring quality assurance compliance with SLAs for fraud dispute support.
- Play a key role in expanding fraud and AML/CTF division in EEA, advising on regulatory implementations for Curve's European operations post-Brexit.
Underwriter
Zopa
07.2018 - 12.2019
- Expertly underwrote auto loan applications, adhering to Zopa's lending criteria and service standards, with comprehensive case management.
- Analyzed fraud cases to assess business risk effectively.
- Investigated and reported suspicious activity and documents to the Financial Crime Team.
- Escalated potential fraud concerns to the appropriate team or department.
- Evaluated new technology solutions, including a cloud-based phone system and live chat, providing valuable feedback on CRM updates.
Senior Fraud Preventions & Investigations Specialist
Barclays
01.2018 - 07.2018
- Prevent fraudulent activities and mitigate losses by identifying and reporting abuse patterns and trends across all channels.
- Investigate suspicious activities to determine 1st or 3rd party compromises.
- Identify and communicate emerging fraud risks and trends to Fraud Risk, Fraud Analytics, and Fraud Operational Controls teams.
- Manage sundry accounts to ensure compliance with group risk policies.
- Ensure compliance with licensing requirements, e.g., CIFAS, to protect against reputational damage.
- Analyze root causes of abuse patterns and update systems to reflect events accurately.
- Support legal requirements in case investigations, including drafting witness statements and conducting interviews.
Education
Diploma of Higher Education - Advanced Certificate in Anti Money Laundering
ICA International Compliance Association
2025
Chainalysis Reactor Certification -
ICA International Compliance Association - Anti-Money Laundering
ICA International Compliance Association
London05.2021
Cryptocurrency Financial Crime Bootcamp - undefined
Crime Scene Investigator Data Entry Level - undefined
Forensic Courses - Forensic Science and Profiling Diploma, Forensic Psychology Level 3, Forensic Linguistics Level 3, Forensic Ballistics Level 3
Criminology Courses - Criminology Beginner and Intermediate, Advanced Criminology Level 4
Apprenticeship - undefined
Nottingham
Extended Diploma - undefined
South Nottingham College
GCSEs - undefined
The Nottingham Bluecoat School and Technology College
Skills
- Expertise in AML/CTF regulations (UK/EU, FATF, FinCEN, FCA) and regulatory compliance (JMLSG, FCA, OFAC, GDPR)
- Proficient in drafting and submitting SARs/ISRs, and managing audits and investigations
- Experienced in customer due diligence (CDD), KYC, EDD, and sanctions screening, including PEP monitoring
- Leadership in developing and implementing AML/CTF policies and compliance frameworks
- Managed third-party vendor relationships and compliance tools (LexisNexis, Sardine, Chainalysis)
- Excellent team management, analytical thinking, and attention to detail, with a focus on cross-functional collaboration
Websites
References
REFERENCES ARE AVAILABLE UPON REQUEST
LINK
- Www.linkedin.com/in/rakhee-gohil
Timeline
Compliance Manager
Sciopay
02.2025 - Current
Senior Financial Crime Analyst
Jeeves Technologies
07.2023 - 10.2024
Financial Crime Analyst
eToro (UK) Ltd
02.2022 - 06.2023
AML/CTF Specialist
Curve OS Ltd
02.2020 - 01.2022
Underwriter
Zopa
07.2018 - 12.2019
Senior Fraud Preventions & Investigations Specialist
Barclays
01.2018 - 07.2018
ICA International Compliance Association - Anti-Money Laundering
ICA International Compliance Association
Cryptocurrency Financial Crime Bootcamp - undefined
Crime Scene Investigator Data Entry Level - undefined
Forensic Courses - Forensic Science and Profiling Diploma, Forensic Psychology Level 3, Forensic Linguistics Level 3, Forensic Ballistics Level 3
Criminology Courses - Criminology Beginner and Intermediate, Advanced Criminology Level 4
Apprenticeship - undefined
Nottingham
Extended Diploma - undefined
South Nottingham College
GCSEs - undefined
The Nottingham Bluecoat School and Technology College
Diploma of Higher Education - Advanced Certificate in Anti Money Laundering
ICA International Compliance Association
Chainalysis Reactor Certification -
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