Pathik Shah
Founder, NIYEAHMA Consultants LLP | AML/CFT Advisory
About
Profile Summary
Pathik has spent 28 years building, stress-testing, and standing behind AML/CFT compliance programmes across DNFBPs, VASPs, and financial institutions in the UAE, India, Singapore, Australia, Hong Kong, the UK, and the GCC. His practice covers the full compliance lifecycle, with extensive knowledge of CBUAE, MoJ, MoET, DFSA, FSRA, CMA, MAS, AUSTRAC, HMRC, IFSCA and other regulatory frameworks.
He brings an unusual combination of practitioner depth and technology fluency: most engagements involve both regulatory assessment and systems evaluation, which means clients do not need to coordinate between a compliance consultant and a separate technology adviser. His published work appears in ACAMS journals and across AMLverse, a network of AML/CFT knowledge and training platforms he has built for practitioners and regulated entities.
His working style is direct. He identifies gaps in how they are, not how they need to be worded, and he builds the internal capability for clients to sustain what he puts in place.
Skills
Areas of Expertise
Coverage
Jurisdictions
Fit
Best Suited For
Financial institutions, VASPs, and DNFBPs building or restructuring their compliance infrastructure from the ground up.
Businesses operating across multiple jurisdictions that need their compliance obligations mapped, reconciled, and structured into a coherent framework.
Entities that have identified specific gaps in their CDD, EDD, or transaction monitoring practices and need targeted advisory to remediate.
Regulated entities preparing for an upcoming regulatory examination that need an independent assessment of their AML/CFT programme's readiness and defensibility.
Organisations at the software selection or post-implementation stage that need a practitioner to assess whether their AML system is genuinely fit for purpose.
Entities that want a single practitioner who can assess the compliance programme and build the internal capability to run it, removing the need to coordinate between a consultant and a separate training provider.
Social Proof
What Clients Say
What stands out about working with Pathik is that he never gives a generic answer. Every recommendation was specific to our business, our risk profile, and our operational reality. He understood our structure before he started advising on it, which made the difference between compliance on paper and compliance that actually holds.
Pathik is one of the few practitioners I would refer a client to without hesitation. His combination of technology background and compliance depth is rare. He sees problems that others miss because they are only looking at one half of the picture.
We were about to sign off on an AML screening platform when we brought Pathik in for an independent validation. He identified three critical gaps in the ongoing monitoring configuration that the vendor had not flagged and that we had not thought to test for. That engagement saved us from a costly implementation that would have failed regulatory scrutiny within the first year.