Hire the Best AI Risk Management Consultants

DATA SCIENTIST — everything I build, you can verify the math. I deliver transparent, auditable data models where every number can be checked. Specializing in quantitative research, statistical modeling, Data insights and automation. QUANTITATIVE RESEARCH & PORTFOLIO CONSTRUCTION : I build and backtest equities, with live execution and kill switches on Alpaca where needed. Position sizing, risk allocation, rebalancing logic, all of it grounded in the math, not gut feel. Quick example of how I think: a momentum strategy covering 145 stocks was delivering 41% CAGR. Expanding to 245 stocks dropped it to 36%. Counterintuitive. The root cause: New stocks were selected on hot recent momentum, so by entry their cycle was already done. Built a 5-filter Monte Carlo system, tested 700+ parameter combinations, to identify which satellites are early-cycle vs peaked. Result: 43%+ CAGR with lower drawdown than the 145-only baseline. The problem wasn't the strategy. It was the timing of entry. Another example: I built a live MBS (Mortgage-Backed Securities) forecasting and trading system for a fund client, covering 265+ cohort securities across weekly, monthly, and quarterly return horizons. The interesting part wasn't the ML, it was the feature design. Standard technical indicators on bond prices are noise. What actually drives MBS price movements is duration, convexity, prepayment rates, regime variables like curve steepness, VIX, and Fed MBS holdings. Every feature built from first principles, nothing borrowed from a vendor that can't be verified. This is where I spend most of my time. Systematic backtests, portfolio construction, Monte Carlo optimization. No black boxes, no ML hype every output can be checked in a spreadsheet. Not "add more data." Find the actual structure driving returns, and build features that reflect it. DATA SCIENCE & ANALYTICS I've worked across real estate, e-commerce, and financial analytics, usually called in when a team has data but no clear answer yet. I focus on getting to a decision you can act on, not a 40-slide deck. Results worth mentioning: ML automation cut a client's data processing from 286 days to 1 day, after they'd run the same manual process for two years without realizing it was automatable Ad spend attribution model that improved campaign ROI by 25% WHAT MAKES ME DIFFERENT ▸ I show my work. Every model, every analysis, every number comes with the method behind it, so you're never trusting a black box ▸ I'd rather tell you a strategy doesn't hold up than build you something that looks good and fails in real world. ▸ I scope real problems fast: send me what you're working with and I'll tell you within 24 hours if and how I can help

For 15+ years I was the person at the bank deciding whether merchants won or lost chargebacks. Now I fight for merchants instead. I've worked both sides (Issuing and Acquiring) across Visa, Mastercard, AMEX and UnionPay. Certified directly by Visa and Mastercard in Dispute Resolution, Arbitration, VROL/MasterCom and end-to-end Chargeback Management. That insider perspective is what separates my work from every other chargeback freelancer on this platform. What I do differently: I don't generate template responses. I build cases the way bank reviewers actually evaluate them: right evidence, right order, mapped to the reason code, structured to win. Full dispute lifecycle coverage: → Chargeback responses and rebuttal letters → Re-presentments, Pre/Arbitration and compliance → Threshold monitoring (Ethoca, Verifi, VAMP, MATCH) → Checkout and policy audits to prevent disputes before they start → Chargeback department setup for growing merchants and enterprises Platforms: Shopify · Stripe · PayPal · NMI · Maverick · Braintree · WooCommerce · Amazon · Authorize.net · Klarna · AMEX · Airwallex ·Slack · Gorgias · Freshdesk, Zoho and more. The numbers: → 155+ jobs · 3,700+ hours · 100% Job Success · Top Rated Plus → Ranked #1 on Google search as "The best chargeback freelancer" → Won disputes from $50 to $21,000+ for individual merchants From startups building dispute workflows to enterprise clients seeking full setup - I've handled it. I also run "Chargeback Specialist" a Shopify app for automated dispute responses. Listed in my portfolio. Dealing with chargebacks you should be winning? Message me. I respond within 4 hours.

Dynamic Executive Leader – Program, Project, and Product Management Expertise Agile leader with 18 years of proven success in program/project management, product ownership, technical head and marketing strategy. PMP and CSM certified, with an MBA in Marketing, bringing a comprehensive skill set in product lifecycle management, operations, market research, branding, digital marketing, business strategy, and offshore team leadership. Recognized for delivering impactful results in diverse industries, including Banking, IT, Healthcare, Fintech, Digital Advertising, and Branding. Adept at navigating complex subject matters and executing innovative strategies to achieve business objectives. Experienced in working with global organizations across the USA, Europe, UK, Middle East, Japan, and Australia. A strategic thinker with exceptional skills in competitive analysis, procurement, stakeholder negotiations, and cross-functional team collaboration. Demonstrated ability to lead large-scale initiatives, ensuring alignment with organizational goals and market trends. Looking for a challenging executive role where I can drive growth, innovation, and long-term value. Open to credible references and committed to establishing mutually beneficial professional relationships.

🏅 Top Rated AI/ML Expert on Upwork (Top 1%) 🏅 AI Product Engineer | LLM Applications | Generative AI | Agentic Workflows 🏅 10+ Years of Experience | Built Solutions for Startups, Enterprises & Global Clients 🏅 Experience Across Microsoft, Google, American Express & High-Growth Startups 🏅 Expert in Python, OpenAI, Claude, LangChain, LangGraph, AWS, SQL 🔹 LLM Applications & Generative AI Products I build end-to-end LLM-powered applications that solve real business problems—from idea to deployment. My work includes document intelligence systems, AI copilots, enterprise search, summarization engines, Q&A systems, and workflow automation platforms. Built solutions for: ✔ Due diligence copilot for investment workflows ✔ Legal AI research platforms ✔ Resume/CV parsing applications ✔ AI-powered document summarization systems ✔ Knowledge retrieval platforms using RAG 🔹 AI Agents & Workflow Automation I design intelligent AI agents that automate repetitive workflows and improve operational efficiency. Examples include: ✔ Multi-agent workflows ✔ AI automation using OpenAI, Claude, LangChain & LangFlow ✔ Process automation using n8n ✔ Document processing pipelines ✔ Internal business workflow automation 🔹 NLP & Custom Machine Learning Solutions Strong background in NLP and machine learning beyond LLMs, including: ✔ Named Entity Recognition ✔ Classification Models ✔ Clustering Models ✔ Recommendation Systems ✔ Text Processing Pipelines ✔ Custom ML model development 🔹 Predictive Analytics & Risk Modeling My foundation comes from years of building machine learning models for large enterprises including Google and American Express. Experience includes: ✔ Credit risk modeling ✔ Fraud analytics ✔ Customer segmentation ✔ Forecasting ✔ Marketing analytics ✔ Behavioral modeling 💼 Whether you're a startup building your first AI product or an enterprise looking to integrate Generative AI into existing workflows, I can help with: AI Strategy → Architecture → MVP Development → Deployment I combine deep analytical expertise with hands-on experience building real-world AI products that businesses actually use.

I am a CAMS-certified AML/KYC specialist and Merkle Science Certified Crypto Investigator (CCI) with 12+ years of experience across Big4 advisory, regulatory audits and hands-on AML/CFT program implementation for banks, NBFCs, fintechs, DNFBPs, VASPs and MSBs. I help organisations design and strengthen AML/CFT frameworks that stand up to regulatory inspections, audits and institutional due diligence, particularly across environments aligned with FATF standards. My core experience is built primarily in India and the UAE (RBI, SEBI, FIU-IND, CBUAE) and I support global clients by applying FATF-aligned methodologies across jurisdictions including the US, UK, EU, Canada and Australia. I focus on practical, regulator-aligned solutions - not theoretical frameworks. Clients I have worked with have achieved clean regulatory reviews, passed institutional due diligence audits and successfully completed FIU registrations across multiple jurisdictions. I have supported clients in: - Helped clients reduce identified compliance gaps by 30-40% through structured gap assessments and remediation programs - Preparing for regulatory inspections and audits - Strengthening KYC, transaction monitoring and sanctions frameworks - Building AML programs from the ground up When Clients Engage Me - Conducting independent AML reviews and preparing for regulatory inspections. - Setting up AML compliance for fintechs, MSBs or crypto exchanges. - Fixing weaknesses in KYC, EDD or transaction monitoring systems. - Responding to audit findings or investor due diligence. - Building AML frameworks for new or scaling regulated businesses. Core AML/KYC Compliance Services AML/CFT Programs & Risk Management - AML/CFT program design and implementation (FATF-aligned). - AML risk assessments, gap analysis and remediation planning. - Policy, procedure & SOP drafting tailored to regulatory environments. - Fractional / Interim Compliance Officer support. KYC / EDD / Sanctions Screening - KYC / KYB / CDD / EDD framework design. - Sanctions & PEP screening - OFAC/SDN, UN, EU, UK HMT. - Transaction monitoring program design and optimisation. - SAR / STR reporting frameworks. - Wolfsberg CBDDQ & correspondent banking due diligence. - OSINT-based investigations (UBO, directors, entities). Audit, Reporting & Regulatory Support - Independent AML/CFT audits and compliance testing. - FIU registration consulting (FIU-IND, MSB frameworks, advisory support globally). - Regulatory reporting reviews (SAR/STR, CTR, record-keeping). - Multi-jurisdiction AML advisory using FATF methodology. - Institutional investor AML due diligence support. Emerging & Digital Asset Compliance - AML frameworks for crypto exchanges and VASPs (FATF Rec. 15 aligned). - FIU-IND VDA SP registration advisory. - Travel Rule compliance gap assessments (FATF Rec. 16). - KYC / EDD frameworks for high-risk digital asset clients. Why Clients Choose Me - CAMS-certified AML specialist with Big4 foundation. - Deep financial crimes compliance experience + global applicability. - Strong expertise across banking and fintech environments, with a growing practice in crypto/VASP compliance. - Practical, audit-ready deliverables aligned with regulatory expectations. - Clear scoping, transparent communication and reliable execution. Frequently Asked Questions (FAQs) Q: Can you support clients across the globe? Yes. I apply FATF-aligned AML frameworks globally and adapt them to jurisdiction-specific requirements. Where needed, I work alongside local legal/regulatory experts. Q: What does an AML audit include? A full operational audit covers AML governance, KYC/CDD/EDD, sanctions screening, transaction monitoring, SAR/STR reporting, record-keeping, training and internal controls - with a structured remediation plan. Q: Do you support crypto and VASP compliance? Yes. I support AML framework design, VDA SP registration, FATF Rec. 15 compliance and Travel Rule readiness for crypto businesses. Q: What deliverables can I expect? AML policies, risk assessments, audit reports, KYC frameworks, SAR/STR templates, training materials and regulatory documentation. Core Skills: AML compliance consultant | KYC expert | CAMS certified | Financial crime compliance | FATF compliance | OFAC sanctions | FinCEN AML | MSB compliance | Crypto AML consultant | Transaction monitoring | SAR reporting | EDD | KYB | Compliance officer | AML audit | FIU registration | Fintech compliance | Blockchain AML | Regulatory compliance | RBI compliance | CBUAE compliance | AML program review | Compliance gap assessment | VASP AML | VDA SP compliance | Beneficial ownership | Wolfsberg Group | AML/CFT framework | Virtual asset compliance | Digital asset AML Looking for a compliance partner who delivers practical, regulator-ready solutions with integrity? Invite me to your project or send a message. I respond within 24 hours with a clear, honest assessment of how I can help!

Snr. AML & Financial Risk Operations Consultant | CAMS | Broker-Dealer & Fintech Expert. I am a senior-level AML & Financial Risk Operations professional with hands-on experience operating within regulated financial services environments, supporting financial institutions, FinTechs, and high-risk businesses under U.S. regulatory scrutiny. I currently lead AML operational workflows at a U.S. broker-dealer / fintech platform, where I oversee transaction monitoring across multiple funding channels, design risk-scoring logic, and partner directly with Compliance, Payments, and Technology teams to ensure AML is embedded into operations; not treated as an afterthought. I don’t just “review alerts.” I build AML systems that regulators respect and businesses can actually operate. What You Can Expect When We Work Together ✔ Regulatory-Sound AML Controls ✔ Clear, Defensible Risk Decisions ✔ Operational Efficiency Without Cutting Corners ✔ Audit-Ready Documentation & Escalations My work is grounded in real operational risk, not theory; the same level of scrutiny your program will face during audits, partner reviews, or regulator exams. The Outcomes I Help Clients Achieve ☑ Strengthen AML & Financial Crime frameworks ☑ Pass KYC/KYB and payment processor reviews ☑ Reduce false positives while catching real risk ☑ Improve SAR quality and investigative consistency ☑ Align fintech growth with regulatory expectations ☑ Build scalable, regulator-defensible AML workflows My “Unfair Advantage” Working directly inside live AML operations has taught me that compliance failures rarely come from ignorance of the rules. They come from execution gaps - unclear escalation logic, inconsistent risk decisions, and controls that don’t translate into day-to-day workflows. I specialize in closing those gaps. What Sets My Work Apart 1️⃣ Real-World AML Operations Leadership I lead the design and calibration of AML controls across customer onboarding and payment flows, including risk-based deposit holds, DNDBW decisioning, and escalation frameworks. My focus is on aligning control thresholds, investigative standards, and operational capacity so risk decisions are consistent, defensible, and scalable. 2️⃣ Risk-Based Thinking (Not Checkbox Compliance) I apply risk scoring, typology-driven analysis, and behavioral pattern recognition — not one-size-fits-all rules that collapse under scrutiny. 3️⃣ Willingness to Push Back (When It Matters) I am not afraid to challenge weak assumptions, poorly designed controls, or “this is how we’ve always done it” thinking, because regulators won’t accept it either. My goal is not to please; it’s to protect your business. What Clients Commonly Hire Me For ✔ AML Program Reviews & Gap Assessments ✔ Transaction Monitoring Design & Optimization ✔ KYC / KYB Package Reviews (High-Risk Friendly) ✔ SAR Drafting, Review & Escalation Frameworks ✔ Risk Scoring Models & Red-Flag Logic ✔ ACH & Payment Channel Risk Controls ✔ AML Policy & Procedure Enhancements ✔ Fintech, Broker-Dealer & MSB Advisory Support ✔ AI-Enabled Financial Crime Risk Analysis Credibility That Matters ✔CAMS-Certified AML Professional ✔FINRA Series 7 & 63 Licensed ✔Senior AML Operations Analyst at a U.S. broker-dealer ✔Experience collaborating with Compliance, Legal, Payments & Engineering ✔Contributor to AI-enabled money laundering risk research (UK AI Security Institute collaboration) If you want clear judgment, strong controls, and an AML partner who understands both regulators and business realities, we’ll work extremely well together. Let’s build something defensible. 📞 Invite me to your project and I’ll reach out to find out if you would be a good fit to have a complimentary consultation call with me. 📞 Thank you for taking some time to learn about me. Talk soon! Wisdom Isu