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Karan Joseph Cliff, Compliance Executive

Karan Joseph Cliff

Compliance Executive·LuLu International Exchange,

United Arab Emirates

Master's degree, Marketing Management

Work experience

Total years of experience: 16 years, 4 months

Compliance Executive

August 2025 - Present

LuLu International Exchange,

Dubai, United Arab Emirates

August 2025 - Present

• Continuous Regulatory Upskilling: Proactively complete and maintain valid verification
testing across core CBUAE regulatory modules, including Targeted Financial Sanctions
(TFS), Countering Proliferation Financing (CPF), and Hawala Operations Risk
Management.
• Transaction Monitoring & Analysis: Monitor high-volume financial transfer channels to
proactively discover, analyze, and escalate suspicious transaction structures, unusual
velocity spikes, patterns in accordance federal AML/CFT
compliance expectations. Sanctions & PEP Vetting: Oversee end-to-end Sanctions, Politically Exposed Persons
(PEP), and Adverse Media screening rules; accurately clear system-generated false
alarms and lead investigations into matches against international lists (OFAC, UN, EU). eKYC Vetting & Customer Remediation: Audit and clear daily pending eKYC validation
queues to resolve onboarding bottlenecks while systematically preventing digital identity
fraud. Corporate Onboarding Governance: Formulate verification parameters and authorize
WPS (Wages Protection System) Corporate Portal Creations, validating legal entity
documentation, corporate structures, trade licenses, and authorized signatory mandates. Internal Audits & Control Appraisals: Design and execute structured internal checks on
branch operations, digital tools, and customer handling processes to map operational
control gaps or non-compliance trends before external regulatory cycles. SOP Optimization: Align corporate product manuals, customer workflows, and
operational practices to immediately reflect dynamic updates in regional and global cross
border transfer laws.

Company industry:
Financial Services
Job role:
Management

Operations Executive

April 2017 - Present

Al Ghurair International Exchange LLC

Dubai, United Arab Emirates

April 2017 - Present

Company industry:
Financial Services
Job role:
Sales

Business Development Manager – Digital Development

November 2022 - December 2023

GCC Exchange,

Dubai, United Arab Emirates

November 2022 - December 2023

• Product Compliance, Digital Risk, & Data Governance
• Chaired the overarching product blueprint and launch sequence of the companys mobile
remittance application to confirm full alignment with CBUAE electronic payment directives,
achieving a 100% clean regulatory sign-off from the CBUAE
• Integrated national digital identity mechanisms by managing secure API data feeds for
UAE PASS, remote eKYC, and regional digital payment portals (Lean, Network
International).
• Managed cross-departmental teams through Vulnerability Assessment and Penetration
Testing (VAPT) mitigation windows to protect customer financial data structures.

Company industry:
Financial Services

Business Development Executive – Mobile Application (Digital Branch)

January 2022 - October 2022

Joy Alukkas Exchange LLC,

Dubai, United Arab Emirates

January 2022 - October 2022

• Remote Identity Verification & Risk Identification
• Structured market expansion roadmaps for the mobile application ecosystem while
evaluating application data collection processes against CBUAE consumer protection
parameters.
• Coordinated verification cycles with IT engineers during the development of automated
customer identity vetting modules utilizing national digital databases.
• Executed periodic operational trend tracking to expose and resolve application
vulnerabilities related to potential user identity manipulation.

Company industry:
Financial Services

Operations Executive

April 2017 - December 2021

Al Ghurair International Exchange LLC,

Dubai, United Arab Emirates

April 2017 - December 2021

• CBUAE Portal Management, Audit Defense, & Counterfeit Detection
• Directed day-to-day branch remittance architecture, ensuring compliance with federal
financial laws and strict risk-mitigation standard operating procedures (SOPs).
• Delivered spotless evaluation results across a multi-year history of rigorous internal,
group, and Central Bank of the UAE (CBUAE) regulatory audits.
• Appointed as the primary CBUAE Portal Authorizer for Counterfeit Currency Reporting,
handling secure notifications and evidentiary uploads directly to regulatory bodies.
• Approved high-value remittance routing, confirming all outbound SWIFT formats and local
UAE CB-FTS transactions matched preliminary sanction screening frameworks.

Company industry:
Financial Services
Job role:
Management

Senior Operations Associate

January 2014 - January 2017

UAE Exchange,

Kerala, India

January 2014 - January 2017

• Cross-Border Regulatory Mapping & Team Coaching
• Managed a high-capacity cross-border digital remittance unit of 36 verification agents
specializing exclusively in the North American trade corridors.
• Deployed rigid multi-step verification safeguards on digital international transfers to
discover and reject unverified corporate entities, structuring tricks, or hidden fraud
schemes.
• Up-skilled and certified junior agents on international safety criteria, escalation protocols,
and the identification of red-flag account attributes.

Company industry:
Financial Services

Sales Officer

January 2010 - January 2014

Nippon Toyota,

Kerala, India

January 2010 - January 2014

• Source of Wealth Vetting & Document Verification (KYC)
• Evaluated high-net-worth individual (HNWI) profiles, verifying financial statements,
identity credentials, and source of funds prior to bank auto-financing closures.
• Executed baseline Know-Your-Customer (KYC) vetting protocols to minimize operational
risk and prevent transactional identity fraud.

Company industry:
Automotive Dealership & Distributor

Education

William Carey University

January 2013

January 2013

Master's degree, Marketing Management

India

Madurai Kamaraj University

March 2010

March 2010

Bachelor's degree, Commerce

India

GPA (percentage): 65%

GPA (percentage): 65%

B Com with computer applications

Skills

ANALYTICAL THINKING
Intermediate
ANALYTICAL THINKING
Intermediate
ANTI MONEY LAUNDERING
Expert
ANTI MONEY LAUNDERING
Expert
BANKING SERVICES
Intermediate
BANKING SERVICES
Intermediate
CERTIFIED ANTI MONEY LAUNDERING SPECIALIST
Intermediate
CERTIFIED ANTI MONEY LAUNDERING SPECIALIST
Intermediate
DIGITAL BANKING
Intermediate
DIGITAL BANKING
Intermediate
FINANCIAL SERVICES
Intermediate
FINANCIAL SERVICES
Intermediate
FINANCIAL TECHNOLOGY FINTECH
Intermediate
FINANCIAL TECHNOLOGY FINTECH
Intermediate
OPERATIONS
Intermediate
OPERATIONS
Intermediate
STRATEGIC PARTNERSHIP
Intermediate
STRATEGIC PARTNERSHIP
Intermediate
TRANSACTION MONITORING
Intermediate
TRANSACTION MONITORING
Intermediate

Social profiles

Languages

English

Native Speaker

Hindi

Beginner

Malayalam

Beginner

Training and Certifications

Certifications
Anti-Money Laundering Specialist (CAMS)

Training
Anti Money Laundering
Ponsun

Hobbies and interests

Social Work initiatives.
Taekwondo,
Listening To Music

Facebook Blueprint - Social Media Marketing