Hello, I’m Zartash Sultan, a Financial Crime Compliance Specialist with 13 years of experience in combating financial crimes and regulatory compliance. I am CAMS and CGSS-certified by ACAMS, with deep expertise in AML (Anti-Money Laundering), Transaction Monitoring, Sanctions Compliance, KYC/CDD, and policy-making. My career spans senior roles across leading banks and financial institutions, where I have successfully managed high-risk regions, conducted system deployments, and strengthened compliance frameworks.

I have experience handling UAT for compliance systems, deploying transaction monitoring tools, and leading agile automation projects to streamline workflows. I bring both domestic and international exposure, including my tenure with HBL UAE, enhancing compliance strategies for global organizations.

With 13 years in financial crime compliance, I’ve held senior roles at institutions such as Habib Bank Limited (HBL), United Bank Limited (UBL), Habib Metropolitan Bank, and Dubai Islamic Bank. Key accomplishments include:

• Managing high-risk financial regions (Peshawar & Mardan), addressing cross-border movements, cash-intensive businesses, and terrorist financing risks.
• Leading teams of 7+ case investigators to improve the quality and quantity of STRs/SARs submissions.
• Designing AML frameworks, policies, and procedures to comply with local and international regulations.
• Conducting UAT for newly implemented transaction monitoring systems and streamlining compliance workflows.
• Training teams and branches on AML/CFT regulations, enhancing compliance awareness and execution. 

Specialization:

• Financial Crime Compliance: AML, CFT, CPF, Trade-Based Money Laundering
• Transaction Monitoring: In-depth review, alert resolution, and escalation protocols
• Sanctions Screening: Payment screening and high-risk account monitoring
• Policy Development: Designing and implementing AML/CFT and KYC/CDD frameworks
• System Deployment & UAT: Testing and implementation of compliance tools
• Team Management: Leading and training compliance teams across regions
• FinTech Compliance: Credit card monitoring, payment screenings, and fraud detection 

If you’re looking for a seasoned AML and compliance professional to design, implement, or optimize your financial crime frameworks, let’s connect. I bring a wealth of expertise to safeguard your business and ensure regulatory compliance.