1. AML Regulation and Enforcement
In August 2022, I joined the Central Bank of the UAE’s Enforcement Department, where I drafted enforcement memos, authored a regulatory supplement to the Federal Law on AML/CFT, and coordinated the update of the federal Consumer Protection Standards. On my own initiative, I proposed a structured roadmap for the Central Bank to adopt an algorithmic approach to trim processing times of sanctions cases on Licensed Financial Institutions (excluding Insurance). My work contributed, in part, to the UAE’s eventual removal from the FATF grey list in 2024.
This experience sharpened my eye for risk management from a policymaker’s standpoint. It also opened my eyes to how thoughtful policy design can balance what many view as a zero-sum trade-off between innovation and security. Through proportional licensing and tiered KYC, opacity can be swapped for traceability, without killing the very cost and speed advantage that make channels such as cryptocurrencies and Hawaladars valuable in the first place.








