Jyoti Maheshwari
Partner | NIYEAHMA Consultants LLP | AML/CFT Advisory
About
Profile Summary
Jyoti has experience of working across the full spectrum of AML/CFT compliance: conducting enterprise-wide risk assessments, building CDD and KYB frameworks, advising on sanctions screening, documenting AML/CFT policies and procedures, and delivering regulatory reporting support across Singapore, the UAE, and India.
She is particularly sought after for engagements where the compliance programme exists on paper but has not been tested against current regulatory expectations. Her approach is methodical: she works through each control, identifies where documented practice diverges from actual practice, and produces remediation output that is specific enough to act on rather than merely directional.
Her regulatory reporting work spans SAR, STR, FFR, and PNMR obligations across multiple jurisdictions, with a focus on ensuring that internal identification, escalation, and filing processes are not just compliant but defensible at examination. Her published work appears in ACAMS journals and across AMLverse, a network of AML/CFT knowledge and training platforms built for practitioners and regulated entities.
Skills
Areas of Expertise
Coverage
Jurisdictions
Fit
Best Suited For
Regulated entities that need their AML/CFT framework, policies, and procedures built from scratch or restructured to reflect current regulatory expectations.
DNFBPs and VASPs preparing for regulatory inspection that need their AML/CFT programme independently reviewed and gaps closed before the regulator identifies them first.
Organisations that need a comprehensive AML/CFT health check assessing where the programme stands against current regulatory expectations, with a remediation plan specific enough to act on immediately.
Regulated entities with regulatory reporting obligations, including SAR, STR, FFR, and PNMR, that need their internal identification, escalation, and filing processes assessed and formally documented.
Businesses undergoing an AML audit engagement that need a practitioner who can prepare the documentation, review the controls, and ensure the programme is defensible at every level throughout the process.
Social Proof
What Clients Say
We had an AML/CFT programme in place, but it had never been formally reviewed against the MoET requirements. Jyoti went through every step of customer onboarding, risk scoring, EDD triggers, and ongoing monitoring, and delivered a gap analysis that was specific enough to act on immediately. Within six weeks, we had a revised framework that our legal team was confident in. The clarity she brought to the process made the difference.
Our team had been filing STRs but was uncertain whether our internal process for identifying and escalating suspicious transactions was defensible under FIU-IND scrutiny. Jyoti reviewed the entire process end to end, identified three points where our documentation did not match our actual practice, and helped us close each one. That kind of practice-level review is not easy to find.
We did not have the internal capacity to manage our AML compliance properly during a period of rapid customer growth. Jyoti stepped in and handled the KYC review and ongoing monitoring for a defined period while we built out our internal team. She maintained the standard we needed, kept documentation clean, and handed everything back in good order when the transition was complete. Exactly the kind of support that is hard to find on short notice.