Head of AML & MLRO

Role Purpose

Head of AML & MLRO responsible for development and implementation of the Group‑wide AML/CTF program, oversight of policies, transaction monitoring, escalation of breaches, identification and reporting of suspicious transactions to the UAE FIU and cabinet resolutions.

• Ensure effective implementation of the Group’s Compliance strategy within the AML team’s remit in GCD and COC, aligning with other departmental strategies.

• Manage and lead the AML team, set objectives, manage performance, develop and motivate staff.
• Support compliance governance & assurance with AML training delivery.
• Provide on‑the‑job training and knowledge sharing sessions.
• Act as a role model to drive adherence to organisational values and ethics.

• Provide budget input, recommend the AML team’s budget, monitor adherence to budget, and ensure activities comply with approved guidelines.

• Ensure Group AML/CTF policies and procedures remain updated, relevant and communicated.
• Oversee compliance with AML/CTF processes across the Group.
• Identify opportunities for continuous improvement of AML systems, processes and practices.

• Oversee implementation of the AML/CTF program across the Group, including branches, subsidiaries and international locations.
• Maintain awareness of laws, regulations and best practices, assess impact on ADIB Group.
• Provide oversight to AML functions, review QA and MIS reports, and remediate identified issues.
• Develop relationships to promote best practices and ensure a good understanding of AML requirements across the Group.
• Escalate violations of AML/CTF policies, manage alerts from transaction monitoring systems, and collaborate with regulatory authorities and FIU.

• Inform the Head of FCC, Global Head of Compliance and Group Senior Management of critical AML/CTF compliance plans, initiatives and issues.
• Prepare MLRO report as required by CBUAE regulation.

Associate with a bachelor’s degree in Science, Finance, Business or related subject (ACAMS certification or equivalent preferred). Approximately 10+ years of FCC experience focusing on AML/CTF at a top tier international bank, regulator, FIU, law enforcement authority or public prosecution, including 5+ years leading AML/CFT teams and handling complex cases such as OCGs, TBML and complex ownership structures. Strong interpersonal and communication skills, exceptional knowledge of AML/CTF regulatory requirements, and innovative thinking to solve complex problems.

• Bachelor’s Degree in Science, Finance, Business or related subject. ACAMS certification or equivalent preferred.
• 10+ years of FCC experience focusing on AML/CTF, including 5+ years leading AML/CFT teams and handling complex cases.
• Experience advising or working in a Compliance function, delivering a robust AML/CTF program.
• Strong track record in dealing with regulators and stakeholders.
• Strong interpersonal and communication skills, ability to influence outcomes and simplify complex topics for decision‑making.
• Exceptional knowledge of all aspects of AML/CTF and related regulatory requirements.