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Mike william Dela Cruz

@mikewilliamdelacruz

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Senior KYC Analyst with proven AML/KYC expertise, process improvement and stakeholder collaboration.

Philippines

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What I'm looking for

I seek a role focused on AML/KYC investigations and process improvement within a collaborative, compliance-driven team where I can drive efficiency and regulatory readiness.

I am a Senior KYC Analyst with extensive experience in customer due diligence, enhanced due diligence, and financial crime prevention across retail and institutional segments.

I have performed end-to-end onboarding and periodic reviews, identity verification, UBO validation, source of funds checks, sanctions and PEP screening, and transactional analysis to detect high-risk behavior.

I have been recognized as a Top Performer and Top Analyst, led process improvement initiatives (Time in Motion), and collaborated closely with compliance, fraud, and front-office stakeholders to deliver audit-ready files and improve efficiencies.

I bring strong analytical, research, and stakeholder engagement skills, resilience under pressure, and a commitment to maintaining regulatory readiness and robust AML/CFT controls.

Experience

Work history, roles, and key accomplishments

Senior KYC Analyst

ING Hubs BV

Apr 2023 - Mar 2025 (1 year 11 months)

Performed full CDD and EDD for high-net-worth individuals and legal entities, conducted onboarding and periodic reviews, and improved KYC workflows to meet Dutch AML and ING Global KYC standards; recognized as a Top Analyst in Jan 2024.

CDD EDD EDD KYC UBO Validation AML Transaction Monitoring

KYC Officer

Philippine Digital Asset Exchange

Nov 2021 - Mar 2023 (1 year 4 months)

Conducted end-to-end KYC for retail and institutional clients per BSP regulations and AMLA, validated identities/documents, escalated high-risk cases, and supported KYC workflow automation in a fast-growing crypto environment.

KYC AML CRM Fraud Collaboration Regulatory Compliance

Customer Solution Officer

Citigroup Business Process Solutions Pte. Ltd.

Feb 2019 - Oct 2021 (2 years 8 months)

Managed client hardship programs and performed KYC due diligence and periodic reviews, identified high-risk/vulnerable customers, and coordinated with compliance and collections to ensure regulatory and internal control adherence.

KYC Customer Solutions Risk Assessment CRM

Customer Service Representative

AI. Philippines

Mar 2016 - Dec 2018 (2 years 9 months)

Provided 24/7 customer support for a U.S.-based telecommunications provider, resolved billing and technical inquiries, and maintained high customer satisfaction and quality metrics using CRM tools.

Customer Support CRM Troubleshooting Billing Communication