Anti-Money Laundering Officer
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Key skills for this role
About the Role
Zoya Developments seeks an experienced AML Compliance Officer to establish and enhance AML/CTF/Sanctions compliance in UAE real estate. The role involves CDD/KYC, screening, suspicious transaction reporting, training, and regulatory support.
Key Skills for This Role
Responsibilities
- Implement and maintain AML/CFT policies, procedures, and controls
- Ensure compliance with UAE Federal Decree Law No. 20 of 2018 and related AML regulations
- Act as designated AML Compliance Officer and liaison with regulatory authorities
- Conduct regular AML risk assessments and recommend enhancements
- Review and verify KYC documentation for individual and corporate clients
- Conduct risk based customer onboarding assessments
- Perform Enhanced Due Diligence for high risk customers, PEPs, and complex ownership structures
- Conduct sanctions, PEP, adverse media, and watchlist screening
- Monitor transactions for unusual or suspicious activities
- Investigate suspicious activities and prepare Suspicious Transaction Reports
- Conduct AML awareness training for sales, CRM, finance, collections, and management teams
- Coordinate with external auditors, consultants, banks, and regulators on AML matters
Requirements
- 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 Developers, Real Estate Brokerage Firms, Financial Institutions, or Regulated DNFBPs
- CAMS or ICA AML Certification preferred
- Experience with UAE real estate AML regulations preferred
- Experience filing reports through UAE AML systems preferred
- Experience conducting large scale historical KYC remediation projects preferred
Full Job Posting
Company Overview
- Zoya Developments is seeking an experienced AML Compliance Officer to establish, maintain, and enhance the company's AML/CTF/Sanctions Compliance framework in accordance with UAE regulations.
Key Responsibilities
- 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.
- 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.
- Conduct sanctions, PEP, adverse media, and watchlist screening for all customers.
- Monitor transactions for unusual or suspicious activities.
Qualification & Experience
- 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 Developers, Real Estate Brokerage Firms, Financial Institutions, or Regulated DNFBPs.
- CAMS (Certified Anti Money Laundering Specialist) preferred.
- ICA AML Certification preferred.
- Experience with UAE real estate AML regulations preferred.
- Experience filing reports through UAE AML systems preferred.
- Experience conducting large scale historical KYC remediation projects preferred.
Skills & Competencies
- 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.
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