Anti-Money Laundering Compliance Specialist

About the role

ZAD is a Kuwaiti fintech founded by young financial professionals who want to make investment more accessible. The Anti-Money Laundering (AML) Compliance Specialist ensures ZAD's operations comply with AML, Counter-Terrorism Financing (CTF) and Know Your Customer (KYC) laws and best practices, and develops, monitors and enforces AML frameworks across local and international markets.

Key responsibilities

• Implement, monitor and continuously improve AML and CTF policies and procedures in line with local and international regulations.
• Conduct customer due diligence (CDD) and enhanced due diligence (EDD) reviews for high-risk accounts and transactions.
• Oversee transaction monitoring systems and analyse alerts for potential suspicious activity.
• Prepare, review and submit Suspicious Transaction Reports (STRs) and other filings to authorities such as the Kuwait Financial Intelligence Unit (KFIU) and the Capital Markets Authority (CMA).
• Maintain up-to-date knowledge of AML/CFT laws and standards (CMA, CBK, FATF, OFAC, etc.).
• Support the compliance training programme and educate employees on AML/CTF risks and policies.
• Work with KYC and Operations teams so compliance is built into client onboarding and trading.
• Maintain audit trails and documentation, assist in risk assessments, internal audits and regulatory inspections, and recommend system improvements.

Required profile

• Bachelor's degree in Finance, Law, Accounting, Economics or a related field.
• 3-5 years of AML/CTF compliance experience, preferably in a fintech, brokerage or regulated financial institution.
• Strong understanding of local and international AML/CTF laws (FATF, CBK, CMA, AMLD).
• CAMS, ICA or equivalent AML certification preferred.

Required skills

• Transaction monitoring tools, compliance management systems and digital KYC solutions.
• Analytical, investigative and reporting skills; strong communication and cross-functional collaboration.