Remote-first

KYC / AML Professional
focused on Transaction Monitoring & Remediation

I help banks and fintech/crypto scale-ups reduce financial-crime risk with disciplined casework, clear documentation, and measurable throughput improvements. 4 years hands-on experience across alert review, EDD/KYB, RFIs, and STR handovers.

98%+

QA scores across sample reviews

30%

cycle-time improvement via process tweaks

7d → 2d

RFI turnaround on priority queues

What I do best
  • Investigate TM alerts (rule- & risk-based), escalate with well-argued narratives.
  • Perform KYC/KYB refresh & EDD for higher-risk profiles incl. crypto exposure.
  • Draft/handle RFIs and liaise with internal stakeholders to unblock cases.
  • Structure notes to FIU/SAR handovers; maintain audit-ready documentation.

KYC / AML Analyst

Rabobank • Remote • 2023 – Present

Part of a large FEC remediation programme focused on alert backlogs and CDD data enhancement. Specialist in crypto-exposed flows, FIU escalations and audit-ready narratives.

  • Reviewed 300+ high-risk crypto cases within one year (retail & SME flows).
  • Prepared and escalated 40+ STRs to the FIU for suspicious cross-border / crypto activity.
  • Maintained 95–100% QA on sample checks through structured reasoning and clear documentation.
  • −20% average handling time via checklist efficiency and early escalation.
  • Recognised by compliance leads for accurate escalations and audit-proof reports.

KYB Remediation Analyst (CDD/KYB)

Mollie remediation • Hybride • Netherlands • 2022 – 2023

Periodic reviews and backlog remediation across thousands of SME/merchant files: ownership mapping, SoF/SoW, sanctions & adverse media, risk re-rating and QA handling.

  • Boosted review cycle efficiency by ~30% with improved templates & checklist logic.
  • Maintained ≥98% quality during internal compliance audits.
  • Streamlined QA feedback loops and reduced rework.

Commodities & Crypto Trader — Self Employed

Remote • 2020 – Present

Independent trading in commodities, FX and crypto with a focus on precious metals and macro-driven strategies. Built systematic approaches and disciplined risk management.

  • Integrated macro drivers (rates, inflation, CB policy, positioning) into trading bias.
  • Designed and tested systematic strategies for gold and crypto.
  • End-to-end execution incl. journaling, performance tracking and risk controls.

Skills & Tooling

KYC, KYB, EDD • Transaction Monitoring • RFIs • STR handovers • QA

Core

Alert Investigation CDD / EDD Beneficial Ownership Adverse Media Sanctions Screening RFIs Narrative Writing Quality Assurance Backlog Reduction

Sectors

Retail & SME Fintech Crypto-exposed clients

Ways of working

Remote / Async SLA discipline Clear documentation Stakeholder comms

Services

Available for remote contracts or permanent roles

Transaction Monitoring

End-to-end alert handling from triage to escalation, with audit-ready notes.

  • SLA focused, strong pattern recognition
  • Peer coaching and QA feedback loops

CDD / KYB Remediation

Periodic reviews, EDD packs, ownership mapping, adverse media & sanctions.

  • Checklist-driven completeness
  • Risk re-rating with clear rationale

RFIs & Stakeholder Comms

Concise RFIs that unblock cases; structured narratives for STR handover.

  • Turnaround improvement (template library)
  • Escalation notes that stand up to QA

Reducing aged backlog in a retail TM queue

Confidential bank • 2024

Introduced a decision-tree checklist for recurring alert patterns (velocity, round-tripping, crypto off-ramps). Result: ~25% reduction in >30-day aged items within six weeks, QA stable at 98%.

Improving RFI turnaround and completeness

Fintech client • 2023

Refreshed RFI templates to force attachments and rationale fields; created quick-reference examples. Result: 7 days → 2 days average turnaround on priority items; fewer QA returns.

Blog — Crypto & Financial Crime Notes

Open blog

Contact

Open to remote roles in EU timezones (CET/CEST)
Let’s talk

Email: carmen.brouwers@live.nl
LinkedIn: Go to LinkedIn

Prefer a quick call? Send a time and I’ll share a meeting link.