Dr. Qz

AML KYC Consultancy

Fiverr • Freelance

May 2024 - Present • 2 yrs

I am Dr. Qamar Uz Zaman, PhD (Finance), ACFA, Ex-PwC, an AML/KYC, sanctions, and regulatory compliance consultant with 20+ years of combined experience in teaching accounting and finance, academic research, and professional consultancy. My background provides a strong foundation in financial systems, governance, risk, regulation, and compliance documentation, enabling me to support fintechs, VASPs, MSBs, DNFBPs, and other regulated businesses with practical, well-structured, regulator-ready solutions. My consulting work focuses on translating complex regulatory expectations into clear, implementable compliance frameworks tailored to each client’s business model and risk profile. I draft and refine AML/CFT policies, KYC/CDD/EDD procedures, sanctions and screening frameworks, enterprise-wide risk assessments, customer risk-rating methodologies, governance documents, and Regulatory Business Plans to support licensing, banking and partner onboarding, internal compliance infrastructure, and supervisory readiness. I also help clients present their controls in a professional manner for regulatory review, scheme due diligence, audit readiness, and external stakeholder confidence. I bring multi-jurisdictional exposure across the UAE, UK, USA, Canada, Hong Kong, Pakistan, and other FATF-aligned environments, with the ability to align documentation to both regulatory expectations and operational realities. What differentiates me is the combination of academic depth, practical consultancy, and professional exposure as Ex-PwC. My research interests include AML laws, anti-corruption regulation, financial crime risk, governance, and regulatory systems, which strengthens the analytical depth and professional rigor of the compliance solutions I deliver. I aim to provide documentation that is not only technically sound, but also clear, usable, and aligned with real business operations.

Professor of Finance

COMSATS University Islamabad • Período integral

Sep 2010 - Mar 2026 • 15 yrs 6 mos

I bring over 20 years of combined experience in teaching, research, and professional consultancy in the fields of accounting, finance, governance, and compliance. As an academic, I have taught a wide range of courses in accounting, finance, business, and related areas, which has strengthened my ability to explain complex ideas with clarity, structure, and practical relevance. This teaching background has shaped a disciplined and analytical approach that directly supports the quality of my freelance consulting work. Alongside teaching, I have remained actively engaged in research and academic writing, with key interests in AML laws, anti-corruption regulation, financial crime risk, cryptocurrency, financial sustainability, ESG, governance, and regulatory systems. My research exposure enables me to interpret regulatory and institutional issues critically and to produce work that is not only professionally written but also conceptually strong and well grounded. This academic foundation adds real value to my freelancing consultancy. It allows me to approach each assignment with depth, precision, and strong analytical judgment. Whether I am drafting AML/KYC policies, compliance manuals, regulatory business plans, governance frameworks, or documentation related to digital finance and emerging business models, I combine practical consulting insight with research-based understanding. As a result, my work is not template-driven. It is tailored to the client’s business model, jurisdiction, and compliance objectives. My combined experience in teaching, research, and consultancy enables me to deliver work that is clear, credible, regulator-facing, and practical for real-world implementation.

Tax Excecutive

Pricewaterhousecoopers • Período integral

Sep 2005 - Oct 2006 • 1 yr 1 mo

My professional experience as a Tax Executive at PwC played an important role in shaping the disciplined and analytical approach I bring to consultancy today. It gave me direct exposure to a professional-services environment where accuracy, documentation standards, regulatory interpretation, and client-focused delivery were critical. While my role was rooted in tax, it developed core strengths that remain highly relevant to my current work, including the ability to interpret regulatory requirements carefully, assess business realities, structure professional documentation, and deliver clear, well-reasoned outputs under high standards of quality. This experience now adds practical depth to my freelance consultancy, especially in assignments involving AML/KYC frameworks, compliance documentation, governance structures, and regulatory business plans. Combined with my academic background in teaching and research, my Ex-PwC experience enables me to deliver work that is not only technically informed, but also professionally structured, commercially aware, and implementation-focused.