Ayat Bhat

Detail-oriented Anti-Money Laundering and Financial Crime professional with over 4 years of experience in AML compliance and financial crime analysis. Skilled in transaction monitoring, risk assessment, and regulatory compliance within fast-paced financial services environments. Currently pursuing a Master's degree in English, with a strong academic foundation including a B.Ed and BA from the University of Kashmir.

Multilingual communicator fluent in English, Hindi, and Kashmiri, with a proven ability to work effectively in remote and cross-functional teams.

FinCrime Analyst at Revolut (2024-01 – 2024-05)

• Analyzed customer transactions and account activity to identify and investigate potential financial crime, including money laundering and fraud.
• Conducted in-depth reviews of flagged cases, applying regulatory guidelines to determine appropriate escalation and reporting actions.
• Collaborated with cross-functional compliance teams to strengthen detection processes and ensure adherence to financial crime regulations.

AML Associate at Better Gains (2021-02 – 2024-03)

• Performed anti-money laundering checks, customer due diligence, and transaction monitoring in line with regulatory standards.
• Investigated suspicious activity reports and escalated high-risk cases for further review.
• Maintained accurate case documentation and contributed to process improvements that enhanced team efficiency and compliance accuracy.

Master of Arts in English – University of Kashmir

Bachelor of Education – University of Kashmir

Bachelor of Arts – University of Kashmir