Sufyan Ahmed

AML & KYC Compliance professional with 12+ years of progressive banking experience across leading Pakistani banks. Specialized in CDD, EDD, UBO analysis, sanctions screening, and high-risk customer portfolio management including PEPs and NGOs/NPOs. Strong exposure to SBP AML/CFT regulations, FATF standards, KYC remediation, and QA control testing.

Experienced in CDD process optimisation and workflow-based system enhancements to improve review efficiency, strengthen internal controls, and reduce compliance gaps. Proven team leader with hands-on operational and regulatory expertise.

Manager II – Team Lead CDD/KYC - Habib Bank Limited (HBL) - Pakistan

(2024-08)

• Lead periodic and trigger-based CDD/KYC reviews with risk-based approach.
• Supervise EDD reviews for high-risk customers including PEPs, NGOs/NPOs, and adverse media cases.
• Provide AML/KYC advisory on complex CDD/EDD cases across diversified customer segments
• Ensure compliance with SBP AML/CFT regulations, FATF risk-based approach and internal compliance frameworks.
• Conduct QA reviews and control testing to identify gaps and recommend corrective actions
• Perform root cause analysis and drive process improvements to enhance control effectiveness
• Coordinate with Compliance & IT teams on workflow enhancements and system-based validation controls to reduce manual errors.
• Support automation of review tracking through structured MIS reporting and data-driven monitoring.
• Prepare and analyse MIS reports including aging analysis, productivity metrics, and risk distribution reports.
• Mentor and train team members to enhance compliance quality and efficiency.

Manager – Team Lead CDD/KYC - BankIslami Limited - Pakistan

(2024-01 - 2024-08)

• Provided AML/KYC advisory on complex onboarding and periodic review cases
• Managed high-risk customer due diligence and risk-based case handling
• Led UBO verification and ownership structure analysis for corporate clients
• Developed CDD/EDD SOPs and SLAs aligned with compliance requirements
• Contributed to eKYC system enhancements and workflow improvement initiatives
• Recommended process improvements for risk-based case routing and prioritization
• Prepared structured compliance reports and performance analysis for management review.

Manager – Team Lead CDD/KYC - Soneri Bank Limited - Pakistan

(2022-04 - 2024-01)

• Supervised KYC remediation and periodic review programs across customer segments
• Conducted EDD and risk assessments for high-risk customers (PEPs, NGOs/NPOs, adverse media)
• Performed QA testing and highlighted control gaps with actionable recommendations
• Strengthened compliance monitoring through structured MIS and reporting controls
• Collaborated with IT teams for CDD workflow validation and process enhancement initiatives.

Assistant Manager – CDD/KYC, AML & Sanctions - SAMBA Bank Limited - Pakistan

(2020-04 - 2022-04)

• Provided AML advisory support to business units during onboarding and periodic reviews across all segments (Retail, SME, Corporate, Commercial and FI Segments)
• Executed Periodic and Trigger-based Reviews including Top 100 customer reviews and High-Risk (PEP, NGO/NPO, Adverse Media) cases
• Performed UBO identification and verification in line with SBP and FATF requirements
• Conducted sanctions screening (World-Check, FCM) and investigated alerts
• Supported AML transaction monitoring and escalation of suspicious cases
• Contributed to CDD Manual development and policy enhancement initiatives.
• Delivered AML/KYC awareness training sessions.
• Award: Fine Dine Award – Compliance Excellence (2023)

General Banking Officer (GBO) - MCB Bank Limited - Pakistan

(2013-10 - 2020-04)

• Managed branch-level operations with strong focus on AML/KYC compliance standards.
• Ensured adherence to SBP regulations during audits and inspections.
• Handled account opening documentation in line with E-KYC requirements.
• Award: Star Award (Nov 2018) – Excellence in Branch Operations & Compliance Discipline

MBA - Finance - PAF KIET

B.Com - University of Karachi