Abraham A.

Need an independent AML audit, stronger KYC controls or practical support with your AML/CFT compliance programme? I am a CAMS-certified AML/KYC Consultant and Merkle Science Certified Crypto Investigator (CCI), with 12+ years of experience, including Big4 advisory. I help banks, NBFIs, fintechs, MSBs, DNFBPs and other regulated businesses design, assess and strengthen risk-based AML/CFT frameworks. My focus is practical compliance: identifying control gaps, assessing whether AML measures work effectively, preparing businesses for regulatory scrutiny and providing clear, actionable recommendations. CORE AML/CFT SERVICES 1. AML AUDIT & COMPLIANCE REVIEWS - Independent AML/CFT audits and compliance testing. - AML control effectiveness reviews and regulatory gap assessments. - Audit findings analysis, remediation plans and regulatory readiness. - Reviews of AML governance, risk assessment, KYC, sanctions, transaction monitoring, reporting, record-keeping and training. 2. AML FRAMEWORKS & RISK MANAGEMENT - AML/CFT programme design, development and implementation. - Enterprise-Wide ML/TF Risk Assessments (EWRA) and business-wide risk assessments. - Customer risk-rating methodologies and risk-based controls. - AML policies, procedures, internal controls and SOPs. - Remediation support and fractional/interim AML compliance support. 3. KYC, KYB, EDD & SANCTIONS - KYC/KYB/CDD/EDD framework design and review. - Customer due diligence, enhanced due diligence and UBO assessments. - Sanctions and PEP screening frameworks, including OFAC/SDN, UN, EU and UK HMT. - Transaction monitoring framework design, assessment and optimisation. - SAR/STR reporting frameworks, escalation procedures and record-keeping. - Correspondent banking due diligence, including Wolfsberg CBDDQ. - OSINT-based research on beneficial owners, directors and corporate entities. 4. REGULATORY & REPORTING SUPPORT - Regulatory gap assessments and compliance remediation. - FIU-IND Reporting Entity registration advisory. - Regulatory reporting reviews covering SAR/STR, CTR and related obligations. - FATF-aligned AML/CFT advisory and jurisdiction-specific regulatory readiness. - Institutional and investor AML due diligence support. 5. CRYPTO & VIRTUAL ASSET COMPLIANCE Alongside my broader AML/CFT practice, I support crypto exchanges and Virtual Asset Service Providers (VASPs) with: - AML/CFT framework design and compliance reviews. - FATF Recommendation 15 gap assessments. - FIU-IND VDA Service Provider registration advisory. - Travel Rule readiness and gap assessments (FATF Recommendation 16). - KYC/EDD frameworks for virtual asset businesses. - Blockchain transaction monitoring and crypto AML control assessments. 6. AI AML ASSURANCE I also undertake independent reviews of AI-enabled AML solutions, focusing on governance, control effectiveness, documentation and financial crime compliance risks. INDUSTRIES & REGULATORY EXPERIENCE I support organisations across banking, NBFCs, fintech, payment services, MSBs, DNFBPs and digital asset businesses. I support international engagements using FATF-aligned methodologies and an understanding of AML/CFT expectations across the US, UK, EU, Canada, India, UAE, Africa and Australia. WHY WORK WITH ME? - 12+ years of AML/CFT and financial crime compliance experience. - CAMS certification and Merkle Science Certified Crypto Investigator (CCI). - Big4 advisory background. - Experience spanning traditional financial services, fintech and virtual asset businesses. - Practical, risk-based recommendations and clear, audit-ready deliverables. - Focus on helping clients understand control weaknesses and prioritise proportionate remediation. LET'S DISCUSS YOUR REQUIREMENTS Whether you need an independent AML audit, an AML/CFT framework, KYC/EDD or sanctions review, regulatory readiness support, or crypto/VASP compliance advisory, share a brief description of your business, jurisdiction and objectives. I will assess your requirements and outline a practical way forward. Invite me to your project or send me a message to discuss how I can support your AML/CFT compliance needs.