Job Description

The Product SME will serve as the domain expert for

Transaction Monitoring, Sanctions Screening, Onboarding, and CRAM

initiatives, ensuring the bank's compliance with AML/CFT regulations. This role is responsible for bridging business, compliance, and technology teams to define requirements, validate solutions, application support and end-to-end delivery. The SME will provide subject matter expertise, regulatory insights, and practical solutions to ensure effective financial crime risk management and seamless customer experience.

Responsibilities:

Act as the

domain specialist

for Transaction Monitoring, Sanctions Screening, Onboarding, and CRAM systems. Partner with business, compliance, and technology stakeholders to translate

regulatory requirements

into functional and technical specifications. Provide input on

solution design

, system configuration, and workflow enhancements to ensure compliance and operational efficiency. Lead requirements gathering, gap analysis, and validation workshops with internal stakeholders and external vendors. Support

UAT, validation, and go-live readiness

to ensure solutions meet business and regulatory expectations. Serve as the primary point of contact for

regulatory audits and inspections

related to AML/CFT solution areas. Collaborate with vendors and technology teams to address system issues, manage product upgrades, and ensure integration with core banking and digital platforms. Define

success metrics

and ensure delivery aligns with business objectives and compliance obligations.

Provide application support

Knowledge:

Proven expertise in

AML/CFT compliance solutions

, specifically in

Transaction Monitoring, Sanctions Screening, Onboarding, and CRAM projects

. Strong understanding of

KYC, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and risk rating frameworks

. In-depth knowledge of regulatory expectations (FATF, CBUAE, OFAC, EU, etc.) and their practical application in banking systems. Hands-on experience in

solution design, configuration, and functional validation

of AML/CFT platforms. Familiarity with

analytics, case management, and risk scoring models

used in financial crime prevention. Experience collaborating with cross-functional teams, including compliance, IT, and external vendors. Banking domain knowledge with successful delivery of compliance and financial crime prevention initiatives. Strong knowledge of analytics applications to support financial crime detection and risk management. Deep understanding of banking products, services, and compliance operations.

Skills:

Strong analytical, problem-solving, and documentation skills. Excellent communication skills with the ability to interact effectively with both business and technical stakeholders. Ability to lead workshops, articulate requirements, and challenge vendors to achieve optimal solutions. Strong organizational and prioritization capabilities with attention to regulatory detail. Ability to influence and align diverse stakeholders to achieve common compliance goals.

Qualification/ Experience:

Bachelor's degree in business, Finance, Computer Science, or related fields. * 7-10 years' experience in

AML/CFT, financial crime compliance, or product SME roles

within the banking or fintech sector.