Raees U.
Aml and Cdd Manager @Pay Io
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WORK HISTORY
Aml and Cdd Manager @Pay Io
Leicester, GB
Pay iO is Fintech startup providing services in foreign currency exchange, transfers and private banking to UK & EU based businesses. My Key Responsibilities are- Performing thorough Customer Due Diligence (CDD) assessments to identify and mitigate potential risks associated with new and existing customers- Conducting detailed reviews of customer profiles, financial information, and supporting documents to ensure compliance with regulatory requirements and internal policies- Utilizing a variety of research techniques and tools to gather information on customers, including open-source intelligence, public records, and internal databases- Collaborating with internal stakeholders, such as Compliance, Legal, and Risk Management teams, to address and resolve issues related to customer due diligence- Staying up-to-date on regulatory changes, industry best practices, and emerging trends in customer due diligence to enhance processes and ensure compliance- Maintaining accurate and up-to-date records of customer due diligence activities, ensuring adherence to data protection and privacy regulations- Assisting in the development and implementation of CDD policies, procedures, and training programs to enhance the overall effectiveness of the due diligence function- Providing guidance and support to colleagues and teams regarding customer due diligence requirements and processes.
EDUCATION
OTHM
Level 06 Diploma in
OTHM
Level 4 Diploma in
OTHM
Level 5 Diploma in
ITMIN Business and Management Training
Diploma in Information Technology
School of Multimedia
Certificate in Graphics Specialist
Royal Institute
Programming in Visual Basic
British School in Colombo
HIGH SCHOOL/SECONDARY DIPLOMAS AND CERTIFICATES
SKILLS
ABOUT RAEES U.
I am an AML and CDD specialist with deep experience in financial crime compliance, currently working at Pay iO, a fast-growing fintech reshaping how businesses move money. In my role, I focus on ensuring regulatory compliance through robust customer due diligence, enhanced due diligence (EDD), transaction monitoring, and ongoing risk assessments. I help design and implement compliance frameworks that are scalable, efficient, and aligned with evolving global standards in financial services. My professional foundation was built at HSBC, where I worked extensively within Financial Crime Compliance. There, I specialised in AML investigations and customer due diligence, managing high-risk reviews across various jurisdictions. I became adept at interpreting complex ownership structures, identifying potential red flags, and ensuring thorough documentation and audit readiness. This experience equipped me with the skills to operate at the intersection of compliance, risk, and technology. With over a decade of experience, I bring a strong understanding of global KYC/AML standards, a detail-oriented mindset, and a commitment to maintaining financial integrity. I’m passionate about leveraging technology to automate compliance processes, reduce risk exposure, and improve customer onboarding ensuring both security and a seamless user experience
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