Senior AML/KYC Compliance Analyst
Resume:
Temitope Badero
Email: **************@*****.*** Tel: 074******** United Kingdom
Professional Profile
Experienced AML/KYC & Financial Crime Compliance Analyst with 5+ years' experience delivering compliance projects across financial services. Proven expertise in money laundering, terrorist financing, sanctions screening, and regulatory compliance, including Proceeds of Crime Act 2002, Money Laundering Regulations 2017, FCA regulations, JMLSG Guidance Notes, 4MLD, and emerging trends. Highly organised and proactive, with excellent analytical, problem-solving, interpersonal, and communication skills. Adept at reviewing client files, conducting CDD/EDD, KYC reviews, transaction monitoring, and SAR escalations, ensuring compliance with regulatory obligations and internal policies. Core Skills & Expertise
AML, KYC, CDD, EDD, Transaction Monitoring, Aggregated Cash, Risk Management, Fraud Detection, Insider Dealing & Market Abuse. PEP, Sanctions & Adverse Media Screening, Source of Wealth (SoW) & Source of Funds (SoF) Analysis. Regulatory Compliance: FATCA, CRS, MiFID, EMIR, Dodd-Frank, FCA. Ownership Structure & UBO Verification, SAR Filing & Escalation Processes, Data Management, Confidentiality & GDPR Compliance and Mentoring & Stakeholder Engagement.Strong knowledge of Jersey and Guernsey AML requirements, with experience which involves regulatory obligations for financial businesses to identify and verify their clients to prevent financial crime, as outlined in frameworks like the Guernsey Financial Services Commission.
Tools & Systems
LexisNexis World-Check Dow Jones Bloomberg Experian Equifax CIFAS Companies House Salesforce CRM PEGA DCMT Callvalidate Lotus Notes Microsoft Office Suite Google Advanced Search
Professional Experience
Virgin Money Bank AML/KYC Investigator Jan 2025 – August 2025
● Conduct comprehensive due diligence on clients’ legal orders, cash aggregation, and post office breaches.
● Review complex ownership and control structures to identify UBOs and potential PEPs.
● Perform sanctions, PEP, and adverse media screening using LexisNexis, Dow Jones, and open sources.
● Escalate AML red flags and suspicious activities for SAR review.
● Partner with client-facing teams to ensure KYC/AML documentation is accurate, complete, and compliant.
● Drive key relationships with the business and clients, including acting as Single Point of Contact for KYC.
● Discuss and escalate with Compliance complex issues surrounding client types and structures, financial products and services, and other AML risk-related issues
● Complete required KYC submissions to meet production capacity while maintaining low error rates Pre-fill account opening documentation based upon input from Bankers or directly from the client.
Santander Bank KYC/AML Analyst Jun 2024 – Aug 2024
● Delivered regulatory-compliant onboarding for corporate, FI, and fund clients.
● Liaised with stakeholders to ensure proper classification and risk assessment
(RACS).
● Reviewed new complex account structures ensuring SLAs are met within the team and checking the accuracy of the general on boarding team’s work for corporate, FI’s and Funds.
● Conducted adverse media searches and screening on entities/key account parties on existing and new customers.
● Performed end-to-end reviews of cases submitted by KYC Analysts for accuracy, completeness, and validity
● Examined Source of Wealth (SOW) and Ongoing Source of Funds (OSOF) origins using business documents, annual accounts, and publicly available information to validate the legitimacy of business activities
● Conducted surveillance review of Global Markets activities which includes FX
(Spot, Swap, outright), deposits, Loans, Bonds, Certificate of Deposit etc.
● Identification of complex structures while On boarding corporate clients, undertake Enhanced Due Diligence (EDD)
● Approved the Due Diligence and Documentation checks on new client relationships
(such as SPV, corporate accounts, trust, offshore, charity and pension accounts etc) in line with local policies and procedures.
● Worked on several entities as an SME across different jurisdictions such as Luxembourg, Ireland and Jersey and Guernsey.
Starling Bank KYC/AML Analyst Jun 2023 – Sept 2023
● Conducted end-to-end KYC/AML reviews for high-risk, PEP, and periodic accounts.
● Acted as point of contact for 1LOD AML team, providing guidance and policy updates.
● Escalated financial crime suspicions and ensured compliance with regulatory obligations.
● Provide regular updates on progress on new accounts, periodic reviews, remediation and transaction alerts, in addition to ad hoc updates, to the Head of 1LOD AML
● Escalate money laundering and financial crime suspicions in a timely manner and to the appropriate individuals & departments in the firm
● Ensure up to date knowledge of the regulatory obligations on money laundering and financial crime risks.
● Reviewed ownership structure to ascertain ultimate beneficial owners depending on risk assessment and rating of clients
● Conducted adverse media searches and screening on entities/key account parties of existing and new customers.
● Performed end-to-end reviews of cases submitted by KYC Analysts for accuracy, completeness and validity.
● Examined Source of Wealth (SOW) and Ongoing Source of Funds (OSOF) origins using business documents, annual accounts, and publicly available information to validate the legitimacy of business activities. Santander Bank KYC/AML Analyst Feb 2022 – Mar 2023
● Assisted onboarding and remediation of corporate and FI clients in line with FATCA, CRS, MiFID, EMIR, Dodd-Frank.
● Conducted SoW/SoF analysis and periodic review of transactions across global markets.
● Assisted the on boarding team by identifying gaps and providing the necessary support and up-skilling to relevant individuals.
● Conducted adverse media searches and screening on entities/key account parties on existing and new customers.
● Performed end-to-end reviews of cases submitted by KYC Analysts for accuracy, completeness, and validity
● Examined Source of Wealth (SOW) and Ongoing Source of Funds (OSOF) origins using business documents, annual accounts, and publicly available information to validate the legitimacy of business activities
● Conducted surveillance review of Global Markets activities which includes FX
(Spot, Swap, outright), deposits, Loans, Bonds, Certificate of Deposit etc.
● Approved the Due Diligence and Documentation checks on new client relationships
(such as SPV, corporate accounts, trust, offshore, charity and pension accounts etc) in line with local policies and procedures.
Worldpay Senior EDD Analyst Sept 2021 – Dec 2021
● Conducted enhanced due diligence on new and existing relationships, including complex ownership structures.
● Performed sanctions, PEP, and adverse media screening for UBOs and significant controllers.
● Ensured audit-ready KYC/AML documentation for UK regulatory compliance.
● Coordinate client requests with the various internal stakeholder teams along the transitions workflow to agreed timeframes.
● Conduct Periodic Reviews of RMA’s and Nostro/Vostro account relationships within the group ensuring best practice is maintained in carrying out Enhanced/Simplified due diligence checks.
● Liaise with different financial institutions to update KYC records and queries as regards correspondent banking relationships maintained.
● Perform Politically Exposed Persons (PEP), Sanction and Adverse media screening on all UBO’s and Significant Controllers within complex ownership structures.
● Conduct Independent Verification via Open sources i.e., World Check, Dow Jones, Banker’s Almanac.
Metro Bank Transaction/Sanctions Reviewer Analyst Nov 2020 – Jun 2021
● Investigated suspicious transactions and escalated SARs.
● Performed KYC refresh, adverse media checks, and due diligence for high-risk clients.
● Analysed client data and maintained detailed audit-ready records.
● Collaborate with the KYC Group's counterparts worldwide on global requests.
● Liaise with Compliance on specific requirements and regulations arising under special circumstances.
● Liaise with Clients, Front Office, Credit, Legal and Operations as necessary as part of the KYC Refresh process.
● Conducting transactional monitoring reviews on sanction hits.
● Assessed high risk clients such as Politically Exposed Persons (PEPs) and their Relatives and Close Associates (RCAs) using a range of bespoke systems/sources (Factiva /Dow Jones),
● World check to enable a ‘deep dive’ review and assessment of high-risk factors associated with the client review.
● Undertook on-going risk-based monitoring in-line with Group AML policy standard. Conducting end to end review of clients to prevent Anti-Money Laundering (AML), Counter Terrorism Financing (CTF), Tax Evasion, Bribery / Corruption.
● Identified suspicious activities during the due diligence process, requested and verified all statutory documents submitted by the client. Handelsbanken KYC/AML/Transaction Review Analyst Oct 2019 – Oct 2020
● Conducted CDD and EDD on corporates, trusts, and charitable entities.
● Verified UBOs, reviewed ownership structures, and escalated AML red flags.
● Ensured compliance with global KYC procedures and regulatory obligations.
● Investigated suspicious transactions and escalated SARs.
● Conducted due diligence checks on Private Limited companies, SPVs, Partnerships, Trusts, and Charities, Central Banks, Government owned entities and financial institutions ensuring that all necessary checks are carried out and KYC procedures are followed on the ultimate beneficial owners, Directors, and Legal representatives within the ownership structure of the company.
● Reviewed and completed CDD/EDD triggers such as In-depth Source of Funds
(IDSOF), Source of Wealth (SOW), Adverse Press Checks (APC), Corporate Structure, Senior Management Sign Off (SMSO), Financial Crime Sanction Signoff
● Reviewed and escalated of any material hits such as Sanctions, Embargoes, Terrorist Financing, Money Laundering, fraud, and PEP for appropriate sign off or action
● Conducted transaction review on customer’s account to confirm the transactions on account are in line with the nature of business and the customer risk profile; capturing and escalating suspicious transactions and flagging for further investigation
Deutsche Bank EDD KYC/AML Analyst Nov 2018 – Sept 2019
● Reviewed trade finance and institutional clients for AML risks.
● Screened clients against OFAC, HMT, EU, UN sanctions, and PEP lists.
● Performed risk-based reviews and escalated alerts for financial crime compliance.
● Carried out comprehensive risk analysis, KYC/AML reviews by applying a wide range of regulatory and financial crime prevention policies to make balanced risk-based decisions.
● Successfully assessed various business entities, including Charities, club and society, Limited company, LLC, pension funds, SPV and corporation soles.
● Applied risk-based approach on understanding information documentation requirements for corporate structures in KYC context and evidence requirement from approved, regulated financial institution or government sources
● Dealt with a broad spectrum of entity types such as; Pension Schemes, Hedge Funds, Private Companies, Special Purpose Vehicle (SPV), Trust, Charities, E.T.C.
● Reviewed systematic Anti-Money-Laundering (AML) alerts and determine whether transactions
Royal Bank of Scotland KYC/AML Analyst Apr 2018 – Nov 2018
● Conducted due diligence and risk assessment for corporate and private clients.
● Carried out Identification and verification checks for various entity types i.e., Limited Companies, Funds, Trusts, NGOs, Charities and others.
● Reviewed full ownership and control to identify all ultimate beneficiaries and possible PEPs for KYC and risk management purposes.
● Conducted Public Due Diligence on corporate clients by identifying and verifying legal name, registered address, legal form, nature of the business and so on using the approved Identification & Verification matrix.
● Completed Risk Assessment Customer Scores (RACS) for all clients, to ensure appropriate classification into High, Medium and Low Risk that determines the frequency of review and appropriate due diligence.
● Reviewing ownership structure and control components for legal entities including private corporations, private equity funds, SPVs and SPEs, among others.
● Conducted due diligence checks on Private Limited companies, SPVs, Partnerships, Trusts, and Charities, Central Banks, Government owned entities and financial institutions ensuring that all necessary checks are carried out AML Certification (UK)
● Classified clients in accordance with the risk criteria using Client’s Risk Assessment tool i.e., High, Medium, and Low risk based on parameters such as the Client/ Customer, Product, Channels, Geography, Jurisdictions, and other risk factors.
● Investigated Source of Funds, Source of Wealth and conducted adverse press checks (APC) with the aim of identifying media news against the customer or RCA that is financial crime related.
Education & Certifications:
● B.Sc. in Business Administration
● AML/KYC/CFT Training Certificate (Oplex)
● Certified Crypto Compliance Officer (C3O)
● Financial Intelligence Against Human Trafficking (AC30) References: Available upon request
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