STENSE BABY
Malvern,United Kingdom
Summary
Highly skilled financial crime compliance professional with expertise in Anti-Money Laundering (AML), Counter Terrorist Financing (CTF), and regulatory compliance. Demonstrates proficiency in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), KYC onboarding, transaction monitoring, and alert investigation, ensuring adherence to global standards. Experienced in sanctions screening, PEP identification, adverse media analysis, SAR/STR reporting, and escalation processes. Adept at utilising tools such as World-Check, LexisNexis, SAS, GoAML, FCC platforms, Norkom, Acuity, and ECM to streamline operations and mitigate risk. Skilled in handling regulator queries and law enforcement collaboration within corporate and retail banking environments. Committed to driving robust risk assessment frameworks while maintaining operational excellence in financial crime prevention.
Overview
11
11
years of professional experience
4025
4025
years of post-secondary education
1
1
Certification
Work history
Protection Advisor
OWL Financials
08.2024 - 01.2026
- Provide regulated financial advisory services while adhering to UK compliance, risk and documentation standards.
- Maintain accurate client records and ensure adherence to internal policies and regulatory requirements.
Care Assistant
Wish Moor Care Home
Malvern
07.2022 - 06.2024
- Worked in a highly regulated environment, maintaining strict confidentiality, record-keeping and safeguarding standards.
- Demonstrated strong attention to detail, compliance with policies, and risk awareness.
Compliance Officer (AML)
Emirates National Bank of Dubai (ENBD)
11.2019 - 08.2021
- Supported the Regulatory Compliance Head in assessing compliance risks across new and existing banking products and processes.
- Reviewed business activities against Central Bank and AML regulatory requirements.
- Responded to law enforcement and Central Bank queries, ensuring accurate and timely submission of documentation.
- Worked on Central Bank systems including GoAML, IEMS and BSD.
- Assisted in identifying and mitigating AML, sanctions, and regulatory risks.
AML Consultant
First Abu Dhabi Bank
03.2019 - 11.2019
- Conducted transaction monitoring investigations using the SAS platform, covering payments, transfers, and purchase activity.
- Analysed transactional behaviour to identify suspicious or unusual activity in line with AML policies.
- Utilised World-Check, LexisNexis, OFAC lists and public sources for sanctions, PEP and adverse media screening.
- Maintained SLA delivery and daily monitoring trackers for management reporting.
Compliance Analyst
HCL Technologies
09.2017 - 03.2019
- Performed quality assurance reviews on AML transaction monitoring cases.
- Assessed alerts generated from Norkom detection scenarios related to AML/CFT risks.
- Used systems including World-Check, Acuity, FCC Watchlist, ECM and Customer Explorer.
- Provided feedback and guidance to analysts to improve investigation quality and regulatory compliance.
- Client: Standard Chartered Bank
Senior Process Associate
Wipro Technologies
11.2015 - 08.2017
- Conducted CDD, EDD and periodic KYC reviews for UK and US individual and corporate clients.
- Identified PEPs, sanctioned entities, fraud risks and money laundering indicators.
- Analysed client documentation, source of wealth, source of funds, and adverse media.
- Assessed client risk profiles in accordance with HSBC and UK AML policies.
- Client: HSBC
Process Associate
Royal Bank of Scotland (RBS)
09.2014 - 09.2015
- Performed KYC onboarding and remediation for retail and corporate customers.
- Identified Ultimate Beneficial Owners (UBOs) and ownership structures.
- Collected and reviewed information on purpose of account, source of wealth, domicile, and account activity changes.
Education
MBA - Finance
Acharya Institute of Technology
India05.2013
BBA - Finance
BPC College
India05.2011
Skills
- Anti-Money Laundering (AML)
- Counter Terrorist Financing (CTF)
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- KYC Onboarding
- Transaction Monitoring
- Sanctions
- PEP
- Adverse Media Screening
- SAR / STR Identification
- Regulatory Compliance
- Risk Assessment
- Law Enforcement
- Regulator Queries
- Corporate Banking
- World-Check
Certification
- AML & KYC Regulatory Compliance, On-the-job experience
Additional Information
Strong understanding of UK and international AML regulations, Experience handling multiple jurisdictions and banking products, Excellent analytical, documentation, and stakeholder communication skills
Timeline
Protection Advisor
OWL Financials
08.2024 - 01.2026
Care Assistant
Wish Moor Care Home
07.2022 - 06.2024
Compliance Officer (AML)
Emirates National Bank of Dubai (ENBD)
11.2019 - 08.2021
AML Consultant
First Abu Dhabi Bank
03.2019 - 11.2019
Compliance Analyst
HCL Technologies
09.2017 - 03.2019
Senior Process Associate
Wipro Technologies
11.2015 - 08.2017
Process Associate
Royal Bank of Scotland (RBS)
09.2014 - 09.2015
MBA - Finance
Acharya Institute of Technology
BBA - Finance
BPC College