Niyamathulla Baig

• Owned end-to-end VARA compliance framework buildout for a VARA-licensed virtual asset entity, designing
AML/CFT policies, KYC/KYB onboarding procedures, transaction monitoring controls, sanctions screening
framework, and risk assessment infrastructure aligned with VARA Compliance and Risk Management Rulebook.
• Delivered concurrent regulatory licensing submissions for DFSA (DIFC) and ADGM (FSRA) alongside VARA -
producing Risk Registers, Compliance Manuals, and BCPs for all three frameworks simultaneously within agreed
project timeline.
• Engaged directly with UAE regulators on licensing submissions and compliance infrastructure requirements acting as
primary point of contact for VARA, DFSA, and FSRA regulatory queries.
• Supported GoAML SAR/STR preparation and submission to UAEFIU involving adverse media and sanctions
escalation cases.

Engaged on a defined-scoperegulatory licensingproject to build NHManagements complianceinfrastructure:

• Designed and delivered AML/CFT frameworks, Compliance Manuals, Risk Registers, and BCPs for concurrent DFSA, ADGM, and VARA regulatory licensing submissions, all delivered within agreed project timeline.
• Produced enterprise-wide risk assessments and onboarding control design for high-risk and premium clients.
• Supported MLRO-related SAR/STR preparation involving adverse media and sanctions escalation cases submitted through UAE FIU GoAML.
• Enhanced internal compliance policies, procedures, and staff training materials that were formally adopted into the firms ongoing compliance programme upon project completion

• Reviewed and investigated escalated KYC/ EDD files for 80+ FAB corporate clients including Aldar Properties, Mubadala, Nakheel, Al
Ghurair Group, and Aljada, achieving 100% quality scores and 100% TAT with zero audit findings.
• Assisted in preparation of SAR/ STR narratives and submitted to MLRO team for further review and filings to UAEFIU via GoAML,
maintaining complete internal case registers.
• Delivered AML/ CFT knowledge transfer sessions and contributed input to compliance policy enhancements aligned with CBUAE and FATF standards, strengthening team technical capability across the engagement.
• Escalated cases involving sanctions exposure, adverse media, opaque ownership structures, and high-risk jurisdictional indicators in line with FATF and CBUAE guidance.
• Produced Senior Management MI reports on AML programme health and regulatory developments, supporting ongoing CBUAE and FATF aligned programme governance.

• Reviewed and investigated escalated KYC/EDD files for 80+ FAB corporate clients including Aldar Properties,
Mubadala, Nakheel, Al Ghurair Group, and Aljada, achieving 100% quality scores and 100% TAT with zero audit
findings.
•
Assisted in preparation of SAR/STR narratives and submitted to MLRO team for further review and filings to
UAEFIU via GoAML, maintaining complete internal case registers.
• Delivered AML/CFT knowledge transfer sessions and contributed input to compliance policy enhancements aligned
with CBUAE and FATF standards, strengthening team technical capability across the engagement.
• Escalated cases involving sanctions exposure, adverse media, opaque ownership structures, and high-risk
jurisdictional indicators in line with FATF and CBUAE guidance
• Produced Senior Management MI reports on AML programme health and regulatory developments, supporting
ongoing CBUAE and FATF aligned programme governance.

• Led 30+ new product onboarding, adaptations, extensions, and offboardings quarterly across GBM, Money Market, PWM, PCC, and OTC Derivatives
• Promoted to Quality Specialist within 3 months of joining; subsequently led a team of 7 compliance analysts delivering sanctions screening and KYC/ CDD/ EDD operations across adapting GBM, Money Market, PWM, and OTC Derivatives products with 100% quality outcomes.
• Designed internal compliance SOPs, calibrated and conducted internal audits aligned with MiFID II, EMIR, AIFMD, and EU AML Directive
obligations, reducing alert false-positive rates and improving escalation quality.
• Supported UAE-based colleagues and global internal teams on product extensions and nature-of-business code alignments (NACE, NAICS,
SIC) and led new product extensions and implementation for the Frankfurt portfolio as primary project lead.
• Produced daily, weekly, and monthly regulatory MIS reports for senior management, maintaining full compliance documentation and audit
readiness throughout.

• Led 30+ new product onboarding, adaptations, extensions, and offboardings quarterly across GBM, Money Market,
PWM, PCC, and OTC Derivatives.
• Promoted to Quality Specialist within 3 months of joining; subsequently led a team of 7 compliance analysts
delivering sanctions screening and KYC/CDD/EDD operations across adapting GBM, Money Market, PWM, and
OTC Derivatives products with 100% quality outcomes.
• Designed internal compliance SOPs, calibrated and conducted internal audits aligned with MiFID II, EMIR, AIFMD,
and EU AML Directive obligations, reducing alert false-positive rates and improving escalation quality.
• Supported UAE-based colleagues and global internal teams on product extensions and nature-of-business code
alignments (NACE, NAICS, SIC) and led new product extensions and implementation for the Frankfurt portfolio as
primary project lead.
• Produced daily, weekly, and monthly regulatory MIS reports for senior management, maintaining full compliance
documentation and audit readiness throughout.

• Pioneered the Luxembourg client onboarding compliance process for the CoE team, drafting foundational SOPs and
AML/CFT policies for AIFs, UCITS, and Luxembourgish fund structures.
• Managed KYC/CDD/EDD lifecycle including Client Acceptance Stage till 2LOD approvals for major institutional
clients including Barings Group, BlackRock, and Blackstone within CSSF-regulated frameworks, maintaining zero
compliance exceptions.
• Led onsite UAT and implementation of the Fastlane KYC compliance platform in Luxembourg and Amsterdam,
embedding AML/DD controls, workflows, and policy governance standards across jurisdictions.
• Produced daily, weekly, and monthly quality and productivity reports, maintaining full compliance register integrity
and presenting in regulatory and senior management meetings.

• Executed 150+ CDD/EDD reviews annually, sanctions screening, PEP identification, and adverse media analysis for
FIG, NBFI, Trust, and corporate client portfolios including UAE-domiciled and MENA-registered banking entities
using World-Check and RDC.
• Conducted periodic review and enhanced due diligence for France-jurisdiction clients registered across multiple
jurisdictions including MENA and UAE, ensuring alignment with FATF, CBUAE, and HSBC Group AML standards.
• Managed a wide range of clientele including holding companies, subsidiaries, public funds, FIG, NBFIs, GSBs, Trusts,
Foundations, and Corporates.
• Obtained and validated mitigation reports, SEQs, WBDDQs, and other AML/KYC-related documents received by
clients and business.

• Assisted US AT&T customers with product extensions, onboardings, Billing, and customer support.
• Evaluated client information and background data.
• Assisted in preparing and presenting reports to senior managers.