Annies Kanikode

• Managed customer operations with focus on compliance, governance, and service standards..
• Implemented KYC-based on boarding for vendors and including ID verification and documentation checks.
• Maintained accurate CRM records ensuring data integrity and audit readiness.
• Handled customer queries related to products, services, and order management.
• Coordinated with internal teams to ensure adherence to policies and operational procedures.
• Handled complaints and dispute resolution under structured compliance guidelines.

• Oversaw KYC documentation and customer on boarding processes for clients across Travel, FinTech, and Medical
Tourism verticals, ensuring accurate identity verification and risk categorization.
• Managed compliance oversight for domestic and international remittance operations conducted through partner
networks, applying AML controls and documentation standards aligned with regulatory requirements.
• Coordinated FX/currency exchange services and transaction handling, ensuring vendor due diligence and adherence
to risk-aware operational practices.
• Established and maintained partnerships with banks, financial service providers, hospitals, and travel agencies,
incorporating compliance requirements into third-party on boarding frameworks.
• Implemented basic CDD/EDD frameworks for client and vendor relationships, supporting risk identification and
flagging in financial transactions.
• Monitored Monitored multi-sector operations for regulatory compliance, documentation accuracy, and risk control.

• Welcomed international visitors, enhancing their experience at FIFA events.
• Provided event information, managed crowds, and ensured safety during major public events.

• Led end-to-end AML/CFT compliance operations in line with Qatar Central Bank (QCB) regulations and FATF
recommendations, ensuring full regulatory adherence.
• Supported MLRO in implementing AML frameworks, policies, and governance structures aligned with regulatory
requirements.
• Acted as primary liaison with regulators, auditors, correspondent banks, and internal stakeholders on all AML and
compliance matters.
• Designed, implemented, and maintained AML policies, procedures, and internal controls covering KYC, CDD, EDD,
and ongoing monitoring.
• Conducted risk-based customer due diligence, including enhanced due diligence for high-risk customers, PEPs, and
high-risk jurisdictions.
• Prepared, reviewed, and submitted STR/SAR reports to the Financial Intelligence Unit (FIU) in a timely and compliant
manner.
• Executed sanctions screening using Refinitiv World-Check, ensuring compliance with OFAC, UN, EU, and local
regulatory watchlists including adverse media checks. Achieved 98% compliance rating in regulatory audits with zero major observations or penalties.
• Led internal AML audits, compliance reviews, and remediation of regulatory findings, ensuring continuous audit
readiness.
• Reduced false-positive transaction alerts by 25% through optimization of monitoring rules and risk-scoring
methodologies.
• Delivered AML/CFT training and awareness programs to 100+ employees, strengthening compliance culture and audit
performance.
• Managed branch operations, remittance, and FX activities contributing to 40% business growth while maintaining
strong risk controls.
• Led the timely remediation of audit findings, regulatory observations, and internal control deficiencies, ensuring full
compliance with established standards and deadlines.
• Integrated AML compliance controls into branch operations, customer on boarding, and sales processes.