Karan Joseph Cliff

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.