Start with risk appetite
Define what the organisation is willing to accept, where exposure concentrates and which events require intervention.
Financial crime · Fraud risk · Compliance · Applied AI
AI won't fix your risk, fraud or compliance framework.
I will.
AI can accelerate a weak framework just as easily as a strong one. I work at the point where risk appetite, data, detection rules, investigations and operational controls meet. My experience across payments and international financial services has taught me that better outcomes start with understanding the exposure, designing controls around the business model and making decisions that can be explained, tested and improved. I use AI and automation as practical tools to strengthen that work, not as substitutes for judgement, accountability or sound control design.
12Professional disciplines
127Individual skill profiles
30Interactive risk workbenches
€0m+Lifetime savings delivered for employers
01 / Point of view
Fix the framework
before adding AI.
The quality of an automated decision is constrained by the quality of the risk framework, data and operating model behind it.
My working principleUnderstand the risk. Design the control. Prove it works.
I am a financial crime and fraud risk professional whose experience spans customer onboarding and lifecycle due diligence, KYC/EDD, AML/CFT, transaction monitoring, sanctions screening, suspicious-activity investigations and fraud-risk detection. Across roles at Worldline, Citibank, BNY Mellon and Credit Suisse, I have worked with customer and transaction information, assessed risk indicators, investigated unusual activity, documented defensible conclusions and supported the effectiveness of controls in regulated financial-services settings.
My professional approach combines risk-based judgement, investigative analysis and control discipline. I have acted as a subject-matter resource on complex KYC relationships, supported source-of-funds and source-of-wealth assessments, performed forensic reviews and control testing, handled escalations, conducted root-cause analysis and developed management information on monitoring volumes, false-positive rates, service-level performance and emerging risk indicators. I value clear evidence, proportionate decisions, traceable documentation and the ability to explain a risk conclusion to both operational and senior stakeholders.
Alongside financial-crime operations, my skill profile covers data quality and governance, SQL, Python/Pandas, Power BI, Excel Power Query, UAT, Agile delivery, business process improvement, identity and access management, privacy and records controls. I am interested in the practical intersection of risk and technology: stronger data foundations, well-designed workflows, useful automation and responsible application of AI/ML. My ambition is to contribute to environments where financial-crime expertise informs better systems, more reliable controls and measurable operational outcomes.
02 / How I work with AI
AI is the accelerator.
Framework is the engine.
The work begins with the business risk and the decision that must be made. Technology follows that logic.
Make data dependable
Validate identifiers, transaction context, lineage and completeness before relying on scores, models or dashboards.
Design useful controls
Translate typologies and risk scenarios into rules, review paths, decision rights and evidence requirements.
Use AI with oversight
Apply automation to prioritisation, analysis and workflow support while retaining explainability and accountable human decisions.
03 / Role focus
Where I add value.
Six role pathways across financial crime, risk and change, each one drawn from work I have actually delivered. Select an area to see what the direction involves.
Focus area 01
KYC & AML
Customer due diligence, enhanced due diligence, customer risk assessment and the application of AML requirements across onboarding and client lifecycle activity.
KYC Lead SpecialistKYC Implementation ConsultantAML / KYC Specialist
03 / Capability library
Explore the
disciplines.
A structured view of the professional capabilities that connect customer due diligence, financial crime, risk controls, data, technology, business analysis and emerging governance disciplines. Select any discipline to open its dedicated page and explore its individual skills.
12Disciplines
127Skill profiles
05Career roles
01
Customer Due Diligence & KYC
Customer due diligence establishes who a customer is, how a relationship is structured, what risks it presents and whether the institution has reliable evidence to make and maintain a defensible decision.
Explore discipline 02AML & Transaction Monitoring
AML and transaction monitoring bring customer context, transaction behaviour and financial-crime typologies together. The objective is to identify activity that warrants investigation, distinguish explainable behaviour from risk indicators and record a proportionate decision.
Explore discipline 03Fraud Risk & Investigations
Fraud risk management combines transaction behaviour, emerging threat patterns, control design and investigation outcomes to identify where losses or abuse may occur and where prevention controls need attention.
Explore discipline 04Risk Management & Controls
Risk management and controls translate risk exposure into accountable decisions, preventive and detective measures, monitoring arrangements and remediation. The discipline is strongest when evidence, control ownership and decision rationale are explicit.
Explore discipline 05Quality Assurance & Subject-Matter Expertise
Quality assurance and subject-matter expertise strengthen decision consistency across teams. The work involves checking evidence and rationale, resolving complex questions, supporting colleagues and identifying recurring training or process needs.
Explore discipline 06Data Governance & Quality
Data governance establishes how important data is defined, owned, validated, protected and used. Data quality makes those arrangements measurable through accuracy, completeness, consistency, timeliness, validity and uniqueness.
Explore discipline 07Data Analytics & Management Information
Data analytics converts operational and risk data into evidence that can guide investigations, control improvements and management decisions. Management information should be accurate, appropriately defined and useful to its audience.
Explore discipline 08Technology & Financial-Crime Platforms
Financial-crime technology spans onboarding platforms, screening and research tools, data environments, reporting platforms and governance systems. The value comes from understanding how a tool supports a control or process, not simply naming software.
Explore discipline 09Identity & Access Management
Identity and access management governs who can access systems and information, what they are permitted to do, how access is approved and when it must be changed or removed.
Explore discipline 10Privacy, Security & Records Management
Privacy, information security and records management govern the responsible use, protection, retention and disposal of information. The objective is to make information available to authorised users while protecting it throughout its lifecycle.
Explore discipline 11Business Analysis & Delivery
Business analysis and delivery connect business problems to workable process, data and technology changes. The discipline involves understanding the current state, defining the desired outcome, coordinating stakeholders and validating that the change works.
Explore discipline 12AI, Automation & Model Governance
AI, automation and model governance are increasingly relevant to financial crime because they can support data analysis, workflow efficiency and detection. Their use must remain explainable, controlled, monitored and subject to human accountability.
Explore disciplineExplore all 127 skillsSearch the full capability library and select a skill to see how I apply it in practice.
05 / Applied tools
From regulation
to implementation.
These are the tools I built for the companies I have worked for, rebuilt here as sample simulators so you can see how each one operates. They turn financial-crime, risk, compliance and technology knowledge into structured workflows, implementation checklists and measurable controls.
TOOL 01Regulatory change & control implementation
Regulation-to-Action Converter
Upload or paste regulatory provisions and convert candidate requirements into an editable implementation workspace. Review suggested actions, A/R/C/I responsibilities, workstream checklists, legal timing, internal targets, evidence, dependencies and control overlap across multiple regulations.
Open the workbench Open Risk & Compliance Command Suite →Private encrypted workspace ↗30 interactive workbenches
Explore the tool library.
Six tools in each of five disciplines. Every workbench is a working sample simulator that opens with illustrative data already loaded. Test the inputs, run the logic, inspect records, explore the dashboards and export results.
06 / Career history
Experience & organisations.
A detailed account of role scope, investigative work, risk decisions and control contributions across payments and international financial services.
Professional experience · 2020 to present
Risk Manager – Financial Crime Detection and Control
Worldline
Focus: merchant and transaction risk, fraud detection, risk indicators, monitoring logic, root-cause analysis and control improvement in a payments environment.
Role scope & contribution
- Assess merchant risk in the context of business models, products, geographies, transaction characteristics and stated risk appetite.
- Review transaction behaviour and fraud indicators to identify unusual patterns, emerging exposure and control weaknesses.
- Translate risk scenarios and observed typologies into practical detection logic, rule conditions, thresholds and review triggers.
- Evaluate existing monitoring rules for coverage, relevance, false-positive pressure and potential detection gaps.
- Support rule refinement with a clear rationale, documented assumptions, test scenarios and post-change monitoring considerations.
- Investigate recurring patterns and exceptions, connecting transaction-level observations with wider merchant or portfolio risk.
- Apply root-cause analysis to understand why control outcomes occur and where prevention or detection can be improved.
- Use operational feedback, alert outcomes and available management information to inform control effectiveness reviews.
- Coordinate with risk, operations, product, technology and merchant-facing stakeholders to translate analysis into workable actions.
- Document risk decisions, control ownership, escalation rationale and supporting evidence so decisions can be reviewed and challenged.
KYC and Compliance Specialist (SME)
Citibank
Focus: complex and high-risk customer relationships, lifecycle due diligence, source-of-funds and source-of-wealth analysis, case quality and specialist guidance.
Role scope & contribution
- Review complex customer profiles and assess whether the available information supports a complete and coherent KYC record.
- Analyse legal-entity structures, ownership chains, control relationships and ultimate beneficial ownership information.
- Apply customer due diligence and enhanced due diligence requirements in proportion to customer and relationship risk.
- Assess source-of-funds and source-of-wealth information for consistency, plausibility, corroboration and gaps requiring clarification.
- Consider relevant PEP, sanctions, adverse-media and other risk indicators within the customer assessment.
- Support customer risk-rating decisions by connecting evidence, risk factors, rationale and required mitigating measures.
- Review onboarding, periodic review and event-driven lifecycle cases, identifying changes that may affect the risk profile.
- Resolve documentation gaps, contradictory information and case exceptions through structured analysis and appropriate follow-up.
- Provide subject-matter guidance on complex cases, procedure interpretation, evidence sufficiency and defensible case outcomes.
- Support quality improvement through review feedback, consistent documentation practices, knowledge sharing and analyst coaching.
Senior AML / Prevention / KYC Analyst
BNY Mellon
Focus: transaction monitoring, sanctions screening, cross-border activity, complex KYC / EDD, investigation quality and escalation handling.
Role scope & contribution
- Review transaction-monitoring alerts using customer context, payment activity, expected behaviour and relevant financial-crime indicators.
- Analyse unusual or potentially suspicious activity and distinguish explainable patterns from matters requiring deeper investigation.
- Assess cross-border activity, counterparties, jurisdictions and transaction flows for relevant risk indicators.
- Review sanctions-screening and name-matching alerts, considering identifiers, context, match quality and documented disposition rationale.
- Connect transactional observations with KYC information, customer risk, ownership structures and relevant due diligence findings.
- Prepare clear case narratives that explain the alert trigger, analysis performed, evidence reviewed and conclusion reached.
- Escalate cases where risk indicators, information gaps or unusual activity warrant additional review or specialist input.
- Apply relevant typologies and red flags while avoiding conclusions based solely on isolated indicators or assumptions.
- Support review consistency through structured case handling, quality checks and clear documentation of decision logic.
- Contribute to operational understanding through analyst guidance and attention to monitoring volumes, case outcomes and recurring issues.
KYC Diligence Analyst
Credit Suisse
Focus: customer due diligence, evidence review, entity information, customer risk assessment and reliable case documentation.
Role scope & contribution
- Conduct customer due diligence reviews using the customer profile, relationship purpose and information available on file.
- Check identity, incorporation, registration and other supporting documents for relevance, completeness and consistency.
- Review corporate ownership and control information to identify the relevant natural persons and connected entities.
- Assess customer activity and profile information against the documented purpose and expected nature of the relationship.
- Identify risk factors that may require enhanced due diligence, clarification or escalation under applicable procedures.
- Review source-of-funds and source-of-wealth information where required by the customer risk assessment.
- Consider PEP, sanctions and adverse-media indicators as part of the wider customer risk picture.
- Record missing, inconsistent or outdated information and pursue appropriate remediation or follow-up.
- Maintain clear case notes that link documents and information reviewed to the resulting assessment and decision.
- Support timely and consistent completion of diligence work while applying a risk-based approach to evidence and exceptions.
Compliance AML KYC Analyst
Citibank
Focus: AML / KYC operational review, customer information, financial-crime risk indicators, procedural consistency and case records.
Role scope & contribution
- Review customer information and supporting records as part of onboarding and ongoing KYC requirements.
- Validate that core customer details are complete, consistent and supported by appropriate documentation.
- Identify discrepancies, missing information and indicators that may affect customer risk or due diligence requirements.
- Review customer and related-party information against applicable screening and risk-review outcomes.
- Apply AML / KYC procedures to routine and higher-risk cases, recognising when additional review is required.
- Support customer risk assessment by documenting relevant factors and the rationale for case handling.
- Maintain accurate case notes, evidence references and review outcomes for quality assurance and auditability.
- Follow up on documentation gaps and unresolved questions through appropriate operational channels.
- Escalate unusual findings and procedural exceptions to the appropriate reviewer or specialist team.
- Build a sound foundation in regulated financial-services operations, due diligence, control awareness and defensible case handling.
07 / Field notes
Risk is changing.
So should the controls.
Long-form analysis on fraud, AML, merchant risk, AI governance and the operating decisions behind effective compliance.
Editorial note: articles are professional analysis, not legal advice. Illustrative scenarios are labelled as hypothetical. Regulatory statements are linked to primary sources and should be checked against the current law and local applicability.
07 / Education
Education & development.
Academic background, specialist learning and professional certifications.
Education & credentials
MBA in Project ManagementEuropean School of Business & Management
Computer EngineeringWyższa Szkoła Informatyki i Umiejętności, Łódź
Regulatory Compliance SpecializationUniversity of Pennsylvania
Diploma in Risk ManagementAlison
Portfolio and Risk ManagementUniversity of Geneva
Certified Project Manager (CPM)International Education Society
ICA – Certificate in Anti Money LaunderingCAMS Alternative
Languages
Select a language to view proficiency across speaking, writing, reading and understanding.
Technology, platforms & data
Technical capability across analytics, financial-crime platforms, workflow delivery, data management and operational governance.
08 / Contact
Let’s connect.
For professional enquiries and opportunities across financial crime, fraud risk, KYC / AML, controls and governance.