Anti-Money Laundering Officer

Zoya Developments

Aml & Compliance Framework

• Implement and maintain the company's AML/CFT policies, procedures, and controls.
• Ensure compliance with UAE Federal Decree-Law No. 20 of 2018 and related AML regulations.
• Act as the designated AML Compliance Officer and liaison with relevant regulatory authorities.
• Conduct regular AML risk assessments and recommend enhancements to controls and procedures.
• Prepare AML compliance reports for senior management.

Customer Due Diligence (Cdd) & Kyc

• Review and verify KYC documentation for individual and corporate clients.
• Conduct risk-based customer onboarding assessments.
• Perform Enhanced Due Diligence (EDD) for high-risk customers, PEPs, and complex ownership structures.
• Verify source of funds and source of wealth where required.
• Review beneficial ownership structures of corporate purchasers and investors.

Screening & Monitoring

• Conduct sanctions, PEP, adverse media, and watchlist screening for all customers.
• Monitor transactions for unusual or suspicious activities.
• Escalate potential AML concerns to senior management.
• Maintain records of screening results and investigations.

Suspicious Transaction Reporting

• Investigate suspicious activities and unusual transactions.
• Prepare and submit Suspicious Transaction Reports (STRs) and Suspicious Activity Reports (SARs) where required.
• Maintain confidential records of investigations and filings.

Training & Awareness

• Conduct AML awareness training for sales, CRM, finance, collections, and management teams.
• Ensure employees understand customer onboarding and AML obligations.
• Develop AML guidance notes and internal procedures.

Regulatory & Audit Support

• Coordinate with external auditors, consultants, banks, and regulators on AML-related matters.
• Maintain records for regulatory inspections and audits.
• Ensure all AML documentation is retained in accordance with UAE requirements.

Mandatory

• Bachelor's degree in finance, Accounting, Law, Compliance, Risk Management, or related field.
• Minimum 5 years' AML compliance experience.
• Minimum 2 years' AML experience within:

• Real Estate Brokerage Firms

• Financial Institutions
• Regulated DNFBPs

Preferred

• CAMS (Certified Anti-Money Laundering Specialist).
• ICA AML Certification.
• Experience with UAE real estate AML regulations.
• Experience filing reports through UAE AML systems.
• Experience conducting large-scale historical KYC remediation projects.

Skills & Cometencies

• Strong knowledge of UAE AML/CFT regulations.
• Knowledge of sanctions screening and PEP checks.
• Experience with AML screening tools (World-Check, Dow Jones, Refinitiv, LexisNexis, etc.).
• Strong investigative and analytical skills.
• Excellent documentation and report-writing skills.
• Ability to interact with regulators, banks, auditors, and senior management.
• High level of integrity and confidentiality.