Franklin Thomas

• Conduct transaction monitoring reviews and investigate system-generated AML alerts to identify unusual or suspicious customer activity.
• Analyze customer profiles, transactional behavior, source of funds, and account activity to assess potential money laundering and terrorist financing risks.
• Perform detailed investigations and document findings in accordance with UAE regulatory requirements and internal compliance policies.
• Escalate potentially suspicious cases for further review and regulatory reporting where required.
• Collaborate with Compliance, Operations, KYC, and Business teams to obtain information and support investigations.
• Ensure timely closure of alerts while maintaining high-quality investigative standards and adherence to service level agreements.
• Identify financial crime red flags, emerging typologies, and risk indicators to strengthen the bank’s AML control framework.
• Maintain accurate case documentation and audit trails to support regulatory examinations and internal audits.
• Contribute to ongoing enhancements of transaction monitoring processes and financial crime risk mitigation measures

Led transaction monitoring activities, including alert reviews,
•
suspicious transaction investigations, and overall case
management.
Prepared, evaluated, and submitted STRs/SARs, ensuring timely
and accurate reporting to the FIU.
Supervised sanctions screening processes and managed alert
triage and escalation.
Developed, updated, and maintained AML/CFT policies,
procedures, and internal control frameworks.
Provide training and guidance to internal teams on AML,
sanctions, and compliance requirements.

• Led transaction monitoring activities, including alert reviews, complex suspicious transaction investigations, and end-to-end case management.

• Prepared, reviewed, and submitted SARs, ensuring regulatory accuracy, strong investigative narratives, and timely reporting to the FIU.

• Conducted AML/CFT risk assessments across clients, products, and business lines to identify and mitigate financial crime exposure.

• Applied SQL-driven data analysis and advanced analytics on large transaction datasets to detect high-risk patterns, behavioral anomalies, and control gaps.

• Leveraged Generative AI and technology-enabled tools to support investigation analysis, SAR drafting, and regulatory documentation under controlled compliance frameworks.

• Oversaw sanctions screening processes, including alert triage, escalation, and risk-based decision-making in line with regulatory requirements.

• Conducted risk-based Customer Due Diligence (CDD) for new client onboarding and periodic reviews, ensuring compliance with AML/CFT regulatory requirements.

• Performed KYC risk profiling, including assessment of customer risk levels, business nature, ownership structures, and source of funds.

• Verified and validated customer identification documents, ensuring data accuracy and completeness across KYC and AML records.

• Screened clients against sanctions lists, PEP databases, and adverse media sources, escalating high-risk findings and negative news cases to senior compliance teams.

• Maintained end-to-end KYC records within internal systems, supporting audit readiness and regulatory inspections.

• Performed AML/CFT control testing as part of ongoing compliance monitoring and quality assurance reviews.

• Acted as a point of support for workload management and maker-checker reviews in the absence of the team lead, ensuring timely and accurate case closures.