Anti-Money Laundering Compliance Specialist

About the role

The Anti-Money Laundering (AML) Compliance Specialist will ensure ZAD’s operations fully comply with AML, Counter‑Terrorism Financing (CTF) and Know Your Customer (KYC) regulations. The role involves developing, monitoring and enforcing AML frameworks across local and international business lines.

Key responsibilities

• Implement, monitor and continuously improve AML and CTF policies and procedures in line with local and international regulatory requirements.
• Conduct customer due diligence (CDD) and enhanced due diligence (EDD) reviews for high‑risk accounts and transactions.
• Oversee transaction monitoring systems and analyze alerts to identify potential suspicious activities.
• Prepare, review and submit Suspicious Transaction Reports (STRs) to the Kuwait Financial Intelligence Unit (KFIU) and the Capital Markets Authority (CMA).
• Maintain up‑to‑date knowledge of AML/CFT laws, regulations and global standards (CMA, CBK, FATF, OFAC, etc.).
• Support compliance training programs and educate employees on AML/CTF risks and policies.
• Collaborate with KYC and Operations teams to embed compliance in client onboarding and trading processes.
• Maintain detailed audit trails and documentation for internal and external reviews.
• Assist in periodic AML risk assessments, internal audits and regulatory inspections.
• Recommend and help implement system enhancements to strengthen transaction monitoring, risk detection and compliance automation.

Required profile

• Bachelor’s degree in Finance, Law, Accounting, Economics or a related field.
• 3–5 years of experience in AML/CTF compliance, preferably within a fintech, brokerage or financial institution regulated by the CMA or CBK.
• Strong understanding of local and international AML/CTF laws and regulations (including FATF, CBK, CMA and AMLD).
• Certification in AML (e.g., CAMS, ICA) is preferred.
• Excellent analytical, investigative and reporting skills.
• Strong communication skills and ability to work cross‑functionally across departments and jurisdictions.

Required skills

• Transaction monitoring tools
• Compliance management systems
• Digital KYC solutions