Shoaib Khan

Financial Crime and AML professional with 4+ years of experience across Financial Intelligence Unit (FIU), transaction monitoring, AML investigations, KYC/CDD/EDD, sanctions screening, fraud risk, and suspicious activity investigations. Experienced in investigating complex customer and transaction activity, identifying financial crime red flags and typologies, performing risk-based assessments, documenting defensible investigation findings, and preparing SAR recommendations and narratives. Hands-on experience with transaction monitoring alerts, high-risk customer investigations, source of funds/source of wealth reviews, PEP and sanctions screening, adverse media, OSINT research, customer risk assessment, escalation management, and regulatory requirements.

Working knowledge of the U.S. BSA/AML framework, USA PATRIOT Act, FinCEN requirements, OFAC sanctions, 314(a)/314(b), and applicable SEC/FINRA financial crime expectations. Experienced in analyzing transaction activity involving bank transfers, payments, multiple funding sources, high-value transactions, cross-border activity and digital-asset/crypto-related risk indicators.

Strong investigative writing, analytical reasoning, attention to detail, SLA management, audit-ready documentation, and cross-functional collaboration skills.

FinCrime Analyst – Financial Intelligence Unit (FIU) - REVOLUT TECHNOLOGIES INDIA PRIVATE LIMITED

(2026-04)

• Investigate transaction monitoring alerts, escalations and referrals involving potentially suspicious customer and transaction activity.
• Conduct end-to-end AML investigations using a risk-based approach to identify unusual transaction patterns, behavioral anomalies and potential financial crime risks.
• Review high-risk customer activity, transaction history, funding sources, counterparties and customer profiles against expected customer behavior.
• Conduct customer risk assessments and review KYC information, customer purpose, source of funds, source of wealth and expected activity.
• Identify indicators associated with money laundering, fraud, account misuse, unusual funding activity, layering, structuring and other financial crime typologies.
• Prepare clear, concise and defensible investigation findings, escalation notes and SAR recommendations/narratives for review.
• Conduct PEP, sanctions and adverse-media screening and perform OSINT research using publicly available information.
• Support law-enforcement and regulatory information requests; maintain complete case documentation and audit trails.
• Use Excel and data analysis to identify patterns and support investigation decisions while meeting SLA and quality targets.
• Identify opportunities to improve investigation processes, controls and operational efficiency through data analysis and technology-enabled workflows.

Senior Representative – Transaction Monitoring & AML - CONCENTRIX

(2025-07 - 2026-04)

• Performed end-to-end KYC, CDD and EDD reviews for customers across varying risk profiles.
• Investigated transaction monitoring alerts involving unusual customer behavior, high-value top-ups, multiple funding sources and potentially suspicious activity.
• Performed Source of Funds and Source of Wealth verification and customer risk profiling.
• Identified potential fraud, money laundering and account misuse indicators and escalated cases according to procedure.
• Supported sanctions, PEP and adverse-media screening and assessed potential matches for disposition.
• Applied AML/KYC requirements and a risk-based approach; maintained audit-ready case documentation.
• Managed multiple investigations within SLA, productivity and quality requirements.
• Supported procedural updates, new-batch training and knowledge sharing related to AML/KYC processes.

Analyst – Transaction Monitoring, KYC & AML - WNS

(2024-04 - 2025-06)

• Investigated AML transaction monitoring alerts and reviewed customer transaction behavior for potential suspicious activity.
• Performed KYC/CDD reviews and enhanced due diligence based on customer risk and investigation requirements.
• Analyzed transaction patterns, customer profiles, counterparties, funding sources and expected activity to identify financial crime red flags.
• Conducted PEP, sanctions and adverse-media screening and performed appropriate alert disposition.
• Performed OSINT research using publicly available sources to validate customer, corporate and transactional information.
• Reviewed source of funds, source of wealth, occupation, business activity and customer purpose as part of risk assessment.
• Prepared investigation notes and escalation recommendations with supporting evidence; maintained audit trails and SLA standards.

Associate – Transaction Monitoring & AML Investigations - SEVEN STELLAR

(2022-01 - 2024-03)

• Conducted AML and transaction monitoring investigations involving potentially unusual and suspicious customer activity.
• Reviewed transaction history, customer information and behavioral patterns to identify financial crime indicators.
• Performed KYC/CDD reviews, PEP/sanctions/adverse-media screening and OSINT research.
• Assessed activity for potential money laundering, fraud, structuring, layering and suspicious funding patterns.
• Prepared case narratives, investigation summaries and escalation recommendations while maintaining audit-ready records.
• Consistently managed productivity, quality and SLA requirements across multiple cases.
• Supported training for 3–4 new batches, certification preparation, monthly PKT content, procedural updates and case-processing guidance.
• Performed temporary Team Lead responsibilities and supported team-level operational delivery.

Bachelor of Business Administration - BBA - SGT University (2018 - 2021)