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Muhammad Usman User

@muhammadusmanuser1

KYB and Compliance Analyst at JinglePay who developed investor, partner, vendor, client, and creditor onboarding workflows.

Pakistan

Message

What I'm looking for

I’m seeking a challenging compliance role where I can apply my analytical skills, regulatory knowledge, and strategic thinking.

At JinglePay, I developed a KYB onboarding framework for investors, partners, vendors, clients, and creditors in a UAE-based fintech compliance role.

I built due diligence workflows for document requirements, verification, exceptions, and risk assessment, and created checklists to help management review onboarding status and outstanding items.

At Revolut LTD, I reviewed transaction-monitoring alerts, investigated transactions, and generated Suspicious Transaction Reports when I detected potentially suspicious activity. I also performed CDD/EDD checks and KYC tasks for new and high-risk customers.

At MCBBankPakistan, I investigated transaction and screening alerts and analyzed KYC data to determine customer risk profiles. I’m seeking a challenging compliance role where I can apply my analytical skills and regulatory knowledge.

Experience

Work history, roles, and key accomplishments

Current

KYB and Compliance Analyst

Current

JinglePay

Feb 2026 - Present (8 months)

Developed comprehensive KYB onboarding framework for investors, partners, vendors, clients, and creditors in a UAE-based fintech compliance role. Built due diligence workflows and checklists, and supported sanctions screening and counterparty onboarding controls.

KYB Due Diligence Onboarding Sanctions Screening Risk Assessment Legal Document Review Ownership Validation Access and Authorization Checks

AML Compliance Analyst

Revolut LTD

Nov 2022 - Dec 2025 (3 years 1 month)

Conducted comprehensive reviews on alerts generated via transaction monitoring systems for SAN, PEP, AM, ML, and TER related risks. Performed in-depth analysis of transactions, executed CDD/EDD checks, and generated Suspicious Transaction Reports (STR) upon detection of suspicious activities.

AML Transaction Monitoring CDD EDD KYC STR PEP Screening Sanctions Screening Swift Risk Assessment Training

Transaction Monitoring Analyst

MCB Bank Pakistan

Jan 2020 - Nov 2022 (2 years 10 months)

Conducted in-depth analysis of transactions to identify suspicious activity and investigated alerts generated via screening systems for various risks including SAN, PEP, and AM. Analyzed KYC data using name screening and different procedures to determine customer risk profiles.

Transaction Monitoring KYC Name Screening Risk Assessment CRM Zendesk Regulatory Compliance