TOBIN THOMAS

Results-driven Compliance Analyst with 3+ years of experience in financial crime prevention, AML/KYC compliance, and fraud detection for global financial institutions. Successfully conducted CDD/EDD for over 500+ clients and reduced fraud by 25% using AI tools like Persona and Sift Science. Experienced in cryptocurrency risk assessment, transaction monitoring, and enhancing AML/CFT compliance frameworks. Proficient in creating audit-ready documentation and data-driven reports and delivering presentations. Adapts quickly in fast-paced environments while supporting client operations in the U.S., U.K., and U.A.E. markets.

A highly accomplished and results-driven Anti-Money Laundering (AML) and Know Your Customer/Business (KYC/KYB) Compliance Specialist with extensive experience in the FinTech and financial services sectors. Proven ability to build robust compliance frameworks, leverage advanced technology for fraud detection, and navigate complex FINRA, SEC, and AML regulatory landscapes.

Key Highlights & Achievements

Compliance & Due Diligence Expertise: Expertly conducted KYC/KYB and Enhanced Due Diligence (EDD) reviews for 200+ high-risk clients (PEPs, sanctions, crypto-related) and 500+ corporate clients in high-risk regions, consistently achieving 100% audit compliance using tools like WorldCheck and Persona/OFAC.

Risk Mitigation & Fraud Reduction: Built AI-based fraud detection models, resulting in a 25% reduction in fraudulent approvals. Enhanced AML transaction monitoring rules, boosting fraud detection by 20%. Successfully resolved 98% of flagged onboarding applications through rigorous quality control.

Financial Investigations: Investigated high-risk transactions totaling $10M+/month, identifying complex money laundering typologies and applying targeted Counter-Terrorist Financing (CTF) measures.

Strategic & Operational Leadership: Authored and implemented AML/KYC Standard Operating Procedures (SOPs) to boost audit preparedness. Created internal compliance dashboards and audit reports (Google Sheets/Docs) for senior management and delivered compliance process presentations.

Client Support & Onboarding: Supported 150+ US clients, directly improving onboarding rates by 30% and efficiently handling AML-related inquiries via multiple channels. Utilized Salesforce Service Cloud for case management and client interaction tracking.

MBA from UWS in International Business and Finance