Danish Rathore

Hard working professional with excellent writing, communication and listening skills. Master in law and financial compliance professional with thirteen years of Anti-Money Laundering experience including Transactions Monitoring, PEP's Reviews and EDD KYC onboarding and remediation. Done ICA certification in Financial Crime Prevention and AML Awareness.

Solid understanding of regulatory requirements and industry guidance with the ability to work creatively and analytically in a target driven environment and a proven track record of meeting and exceeding set targets and deadlines.

Performed Quality

Control (QC) reviews within key areas of risk assessment, CDD, EDD KYC and screening. A solid background in Risk Management and Compliance. Implemented sanctions and Politically Exposed Persons filtering process and Transactions Monitoring, using analysis and outstanding accuracy to verify details against industry-standard listings.

Sound practical experience in the identification of Financial Crime and the use of Financial Crime Customer Risk Assessment Model (Tool) to support Senior Management decisions of High Risk cases.

EDD Financial Crime Associate - Redwood Group Jersey - Jersey

(2026-02 - 2026-06)

For multinational bank based in Jersey

• Monitored and reviewed customer transactions to identify unusual or suspicious activity.
• Investigated AML and sanctions alerts, determining whether to close or escalate potential matches.
• Conducted detailed investigations into flagged transactions, customer profiles, and financial activity.
• Prepared and submitted Suspicious Activity Reports (SARs) in accordance with internal policies and regulatory requirements.
• Performed Level 2 reviews of sanctions screening alerts and high-risk payment transactions.
• Supported transaction monitoring, fraud prevention, and Know Your Customer (KYC) processes.
• Conducted ongoing KYC, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) reviews for a broad range of business customers, including trusts, pension schemes, charities, partnerships, schools, sole traders, LLCs/LLPs, and private and public limited companies.
• Verified beneficial ownership, corporate structures, directors, authorized signatories, voting rights, and countries of operation to ensure regulatory compliance.
• Reviewed high-risk customer cases involving complex ownership structures, Politically Exposed Persons (PEPs), hedge funds, and pension schemes, escalating concerns and submitting SARs where appropriate.
• Applied knowledge of AML regulations, sanctions, OFAC requirements, adverse media screening, and financial crime typologies to support risk-based decision-making.
• Performed quality assurance reviews of KYC files to ensure audit readiness and compliance with internal and regulatory standards.
• Managed investigation workflows, sanctions screening processes, and related reporting.
• Collaborated with Compliance, Operations, and Relationship Managers to obtain information, support investigations, and deliver timely case resolution.
• Provided guidance and support to colleagues, promoting consistent, high-quality investigations and regulatory compliance.
• Reviewed AML systems and processes, recommending improvements to enhance operational efficiency and controls.
• Maintained effective relationships with internal stakeholders while proactively managing referrals, resolving queries, and escalating complex cases to Subject Matter Experts (SMEs) where appropriate.

Financial Crime Analyst - Map Room - UK

(2025-08 - 2025-10)

For multinational bank based in UK

• Perform full customer onboarding and ongoing due-diligence (CDD/EDD) checks.
• Verify customer identity and assess risk profiles using internal and external data sources.
• Review beneficial ownership structures, source of funds/wealth, and business activities.
• Ensure compliance with regulatory requirements and internal KYC policies.
• Maintain accurate and complete KYC documentation for all customers.
• Conduct periodic reviews in accordance with customer risk ratings.
• Monitor customer transactions to identify unusual or suspicious patterns.
• Investigate alerts generated by transaction-monitoring systems.
• Gather evidence, conduct customer activity reviews, and determine whether escalation is required.
• Prepare detailed and accurate Suspicious Activity Reports (SARs) with clear rationale and supporting documentation.
• Liaise with the Compliance Manager or MLRO on high-risk cases.
• Follow up on SAR outcomes and assist in any regulatory requests.
• Stay updated on AML/CTF regulations, sanctions, fraud trends, and compliance best practices.
• Assist with internal and external audits related to AML and KYC.
• Support the enhancement of policies, procedures, and controls.
• Provide guidance to frontline teams on KYC and AML requirements.

Transactions Monitoring Analyst - PWC

(2025-01 - 2025-06)

• Monitoring and reviewing transactions to identify unusual or suspicious activity.
• Investigating AML and sanctions alerts and discount or escalate matches accordingly.
• Preparing and submit Suspicious Activity Reports (SARs) in line with internal procedures.
• Conducting detailed investigations into alerted/flagged transactions and customer profiles.
• Maintain awareness of current AML legislation, typologies, and regulatory expectations.
• Collaborate with internal teams (e.g. compliance, operations, and RMs) to support investigations.
• Conducted ongoing KYC, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) reviews for a broad range of business customers, including trusts, pension schemes, charities, partnerships, schools, sole traders, LLCs/LLPs, and private and public limited companies.
• Verified beneficial ownership, corporate structures, directors, authorized signatories, voting rights, and countries of operation to ensure regulatory compliance.
• Reviewed high-risk customer cases involving complex ownership structures, Politically Exposed Persons (PEPs), hedge funds, and pension schemes, escalating concerns and submitting SARs where appropriate.
• Applied knowledge of AML regulations, sanctions, OFAC requirements, adverse media screening, and financial crime typologies to support risk-based decision-making.
• Performed quality assurance reviews of KYC files to ensure audit readiness and compliance with internal and regulatory standards.
• Managed investigation workflows, sanctions screening processes, and related reporting.
• Collaborated with Compliance, Operations, and Relationship Managers to obtain information, support investigations, and deliver timely case resolution.
• Provided guidance and support to colleagues, promoting consistent, high-quality investigations and regulatory compliance.
• Reviewed AML systems and processes, recommending improvements to enhance operational efficiency and controls.
• Maintained effective relationships with internal stakeholders while proactively managing referrals, resolving queries, and escalating complex cases to Subject Matter Experts (SMEs) where appropriate.
• Conducting Level 2 reviews of sanctions screening alerts and high-risk payments
• Managing workflows, screening processes, and related reporting
• Providing training and support to team members, ensuring high-quality investigations
• Performing ongoing system reviews and recommend improvements
• Supporting transaction monitoring, fraud prevention, and KYC processes as needed.

KYC/AML Analyst - Momenta

(2024-06 - 2025-01)

• Ability to work to high standards of quality in performing corporate renewal reviews of Know Your Customer (KYC) due diligence.
• Proactive review and follow-up on referrals and queries Ability to determine needs for escalation to Subject Matter Coach (SMC)/Subject Matter Expert (SME) or to client
• Completing Ongoing Know Your Customer checks on all existing business customers, including trusts, pensions, LLC/LLP, private limited, public limited, sole traders, charities, partnerships, and schools.
• Keeping up to date knowledge of Customer Due Diligence standards, Anti-Money Laundering procedures, OFAC, sanctions, and adverse media procedures.
• Using my knowledge of business banking to complete KYC, and identifying and verifying ownership structure, directors, key account parties, voting rights on shares, countries of operation.
• Reviewing high risk cases like Pension schemes, Hedge funds, entities involving complex structures,
• PEPs and raising suspicious activity form if required.
• Transaction monitoring and updating of existing customer profile, i.e. Remediation of existing accounts, thereby raising concerns of unusual account activity and updating personal details of clients where applicable.
• Working /reviewing end to end EDD cases onboarding and remediation.

Senior QC/QA, AML, KYC & Financial Crime Analyst - KPMG UK

(2019-06 - 2024-04)

• Performed Quality Control (QC) and Quality Assurance (QA) reviews of KYC remediation files to ensure compliance with internal policies, client standards, UK regulatory requirements, and global AML frameworks.
• Conducted first and second-line quality reviews of Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), periodic KYC refresh, and remediation cases.
• Reviewed customer risk assessments to ensure appropriate risk ratings were applied based on customer profile, ownership structure, jurisdiction, products, services, and transactional activity.
• Verified the accuracy and completeness of KYC documentation, including beneficial ownership, Source of Wealth (SoW), Source of Funds (SoF), corporate structures, constitutional documents, and adverse media assessments.
• Performed quality reviews of sanctions, Politically Exposed Person (PEP), and adverse media screening results, ensuring alerts were investigated, documented, and escalated where appropriate.
• Conducted holistic reviews of high-risk customers including Investment Banks, Correspondent Banks, Insurance Companies, Money Service Businesses (MSBs), Hedge Funds, Private Equity Funds, Trusts, Financial Institutions, and complex corporate entities.
• Performed due diligence and transaction analysis across Treasury, Trade Finance, Syndicated Finance, Lending, Securities, Foreign Exchange (FX), and Derivatives products to identify financial crime risks.
• Conducting Level 2 reviews of sanctions screening alerts and high-risk payments
• Managing workflows, screening processes, and related reporting
• Providing training and support to team members, ensuring high-quality investigations
• Performing ongoing system reviews and recommend improvements
• Supporting transaction monitoring, fraud prevention, and KYC processes as needed.
• Identified quality deficiencies, documentation gaps, policy breaches, and regulatory issues, providing detailed feedback and coaching to analysts to improve file quality and regulatory compliance.
• Escalated high-risk and complex cases involving PEPs, sanctions exposure, complex ownership structures, adverse media, and financial crime concerns to Compliance and senior stakeholders.
• Ensured remediation cases met Service Level Agreements (SLAs), quality standards, regulatory expectations, and client requirements prior to final approval.
• Collaborated with Compliance, Financial Crime, Operations, Technology, and Business stakeholders to resolve quality issues, manage dependencies, and ensure consistent application of AML/KYC policies.
• Supported governance activities by producing Management Information (MI), quality metrics, audit trails, governance reports, and presenting quality performance to stakeholders.
• Assisted with annual KYC regulatory refresh planning, population management, work allocation, case prioritization, resource planning, workflow management, and capacity oversight to ensure timely programme delivery.
• Managed tranche readiness activities including client grouping, analyst assignments, workflow initiation, and prioritization of regulatory refresh requests.
• Acted as an escalation point for programme-related issues, operational incidents, and high-priority requests, investigating root causes and coordinating corrective action plans.
• Coordinated data management and account closure activities with cross-functional teams to support remediation and regulatory requirements.
• Facilitated calibration sessions, quality assurance meetings, and continuous process improvement initiatives to enhance operational efficiency, strengthen quality controls, reduce remediation errors, and improve consistency across teams.
• Maintained comprehensive QC records and documentation to support internal audits, regulatory inspections, and client reviews.
• Ensured compliance with the UK Money Laundering Regulations (MLRs), JMLSG Guidance, FATF Recommendations, sanctions regulations, and client-specific AML/KYC policies throughout all quality assurance and remediation activities.

Senior KYC CDD/EDD AML Remediation Analyst - Royal Bank of Scotland - Manchester City Centre, United Kingdom

(2018-03 - 2019-05)

• Responsible for the ensuring that robust risk governance exists and ensuring all stakeholders have visibility of key risks and remediation activity.
• Providing guidance to the Customer Due Diligence teams on Financial Crime Policies and Procedures, undertaking specialized CDD on high risk customers
• Undertaking PEP due diligence checks and ongoing reviews Strong technical knowledge of AML and Sanctions and good technical knowledge of other financial crime areas such as Financial Crime, PEP, Proceeds of Crime Act and the regulatory requirements around KYC.
• Responsible for ensuring KYC/AML/CDD record is completed in compliance with corporate AML policies, business unit standard operating procedures and industry best practice to meet UK regulatory requirements.
• Conduct in-depth analysis and investigation of all AML systems generated alerts, participate in other AML, Transaction Monitoring and Financial Crime projects and initiative as required. Has ownership of individual alert cases using appropriate case management tools and techniques to progress in order to meet time scales for alert investigation process.
• Performing customer due diligence and ensuring account compliance through documentation and information through internal and external sources (Regulatory websites, Company website, Banker's Almanac, Lexis Nexis, World Check etc.)
• Identifying corporate structures, keeping up to date with FCA and European rules and an understanding of financial markets and products.
• Identified quality deficiencies, documentation gaps, policy breaches, and regulatory issues, providing detailed feedback and coaching to analysts to improve file quality and regulatory compliance.
• Escalated high-risk and complex cases involving PEPs, sanctions exposure, complex ownership structures, adverse media, and financial crime concerns to Compliance and senior stakeholders.
• Ensured remediation cases met Service Level Agreements (SLAs), quality standards, regulatory expectations, and client requirements prior to final approval.
• Collaborated with Compliance, Financial Crime, Operations, Technology, and Business stakeholders to resolve quality issues, manage dependencies, and ensure consistent application of AML/KYC policies.
• Supported governance activities by producing Management Information (MI), quality metrics, audit trails, governance reports, and presenting quality performance to stakeholders.
• Assisted with annual KYC regulatory refresh planning, population management, work allocation, case prioritization, resource planning, workflow management, and capacity oversight to ensure timely programme delivery.
• Managed tranche readiness activities including client grouping, analyst assignments, workflow initiation, and prioritization of regulatory refresh requests.
• Acted as an escalation point for programme-related issues, operational incidents, and high-priority requests, investigating root causes and coordinating corrective action plans.
• Coordinated data management and account closure activities with cross-functional teams to support remediation and regulatory requirements.
• Facilitated calibration sessions, quality assurance meetings, and continuous process improvement initiatives to enhance operational efficiency, strengthen quality controls, reduce remediation errors, and improve consistency across teams.
• Maintained comprehensive QC records and documentation to support internal audits, regulatory inspections, and client reviews.
• Ensured compliance with the UK Money Laundering Regulations (MLRs), JMLSG Guidance, FATF Recommendations, sanctions regulations, and client-specific AML/KYC policies throughout all quality assurance and remediation activities.

AML Quality Specialist; KYC/KYB Enhanced Due Diligence Analyst (Accreditated) - Co-operative Bank - Manchester City Centre, United Kingdom

(2013-03 - 2018-03)

• Responsible for ensuring that the business is compliant with all Bank policies and local AML requirements in the EMEA region.
• Provision of guidance, advice and training to other teams within the business in relation to QA Issues on an ad-hoc basis
• Ensuring QA controls and processes are robust and updated continually, striving to mitigate risks and gaps in the business.
• Attend scheduled meeting with line managers and QA colleagues where common errors are addresses and best practice approach agreed and cascaded to the various teams.
• Provide feedback, training and guidance to colleagues on the teams dealing with the on boarding process.
• In depth knowledge of corporate structures i.e. privately owned or public companies, trusts and partnerships.
• Ability to work to high standards of quality in performing corporate renewal reviews of Know Your Customer (KYC) due diligence.
• Proactive review and follow-up on referrals and queries Ability to determine needs for escalation to Subject Matter Coach (SMC)/Subject Matter Expert (SME) or to client
• Completing Ongoing Know Your Customer checks on all existing business customers, including trusts, pensions, LLC/LLP, private limited, public limited, sole traders, charities, partnerships, and schools.
• Keeping up to date knowledge of Customer Due Diligence standards, Anti-Money Laundering procedures, OFAC, sanctions, and adverse media procedures.
• Using my knowledge of business banking to complete KYC, and identifying and verifying ownership structure, directors, key account parties, voting rights on shares, countries of operation. Quality checking on KYC cases to prepare them for external audit.
• Maintaining relationships with relationship managers and customers.
• Reviewing high risk cases like Pension schemes, Hedge funds, entities involving complex structures,
• PEPs and raising suspicious activity form if required.
• Transaction monitoring and updating of existing customer profile, i.e. Remediation of existing accounts, thereby raising concerns of unusual account activity and updating personal details of clients where applicable.
• Liaising with relationship managers from our various branches to obtain relevant information and provide best practice and handy tips in line with regulatory requirements in order to help reduce customer wait time.

Administrator - Co-operative Group Limited - Manchester City Centre, United Kingdom

(2013-01 - 2013-03)

Legal Department

• Responsible for providing administrative support; this primarily consists of doing work on files in the CIS Tower on behalf of the Co-operative Legal Department.

In-house Solicitor - M/s. Adamson Law Solicitors - Manchester, United Kingdom

(2012-06 - 2013-01)

• Commercial litigation
• Commercial property transactions
• Intellectual property
• Insolvency & bankruptcy petitions
• Commercial Leases
• Commercial tenancies
• Commercial landlords
• New business start-ups
• Construction & engineering projects
• Debt Collection
• Commercial Law
• Personal Injury Law
• Immigration Law
• Negotiated and did correspondence with loss adjusters in claim cases.

Bachelor - Commerce

Master - Law