Murdo Macleod

As an AML and compliance professional with two years of hands-on experience in CDD, financial crime, compliance audits, and enterprise-wide risk assessments, I’m known for turning complex data into actionable insights that strengthen controls and enhance decision-making. With experience across transaction monitoring, KYC, CDD/CEDD, and compliance frameworks, I help organisations navigate risk with confidence. Recently relocated to Australia, I’m familiar with AUSTRAC regulations and am currently working towards my CAMS certification. Passionate about making a tangible impact, solving challenging compliance problems, and contributing to teams that value growth, collaboration, and innovation. Motivated by problem-solving and collaboration, my focus is on making a tangible impact, tackling complex compliance challenges, and contributing to teams that value growth and innovation.

Financial Crime and Compliance Analyst - Modulr - November 2023 - September 2025 

• Achieved AML Auditor accreditation with Modulr Finance; collaborated with over 30 partners across diverse finance and tech sectors to ensure AML, CTF, and CDD frameworks met UK and EU financial crime regulations, critically assessing controls and delivering actionable recommendations to strengthen compliance.

• Conducted control testing of transaction-monitoring rule sets, tailoring statistical analyses and bespoke rule configurations to partner activity, achieving a 17% reduction in false positives across DNB-regulated business accounts.

• Streamlined CDD processes, increasing operational efficiency through new Power BI data insights, and supported by clear procedural guidance.

• Led holistic periodic and event-driven CDD/EDD investigations, involving KYC reviews, collection and analysis of documentation and management information, adverse-media screening, and compliance checks for partners with over 10,000 introduced accounts.

• Competently owned risk analysis projects, determining the risk rating associated with businesses using the Modulr platform based on various AML/CTF risk factors.

• Collaborated with screening and sanctions teams to successfully reduce fraud volumes by as much as 23%.

• Developed and delivered tailored training for new team members on core responsibilities, and coached existing staff on proprietary techniques designed to boost team performance.

Renewable Energy Consultant -Changeworks - October  2020 - July 2022

• Leveraged problem-solving skills and Microsoft Excel data analytics to identify energy efficiency opportunities and deliver tailored advice, resulting in substantial financial savings for businesses, landlords, and individuals while achieving up to a 50% reduction in their carbon footprint. 

• Assessed for fraudulent activity amongst vulnerable grant schemes, conducting KYC and CDD practices where appropriate.

• Prepared comprehensive reports to evaluate the renewable energy potential for clients' sites and properties.

Technical Assistant - Scott Hobbs Planning and Consultancy - January 2020 - April 2020

• Conducted independent investigations based on client requirements, generating detailed reports with overviews and recommendations for over a dozen external stakeholders.

• Competently communicated with senior staff members and external stakeholders involved in multi-organisation developments, adopting data management techniques to organise and analyse information that supported the successful completion of multi-million-pound projects.

Marketing and Events Coordinator | Self-employed | November 2017 - January 2020

• Successfully orchestrated over 30 events, producing over £10,000 in profits, while using time management skills to also focus on my undergraduate university studies.

• Oversaw the venue selection, budgeting and marketing strategy whilst coordinating with designers, artists and collaborating organisations.

MSc Degree - University of Glasgow - Global Security (Grade : Distinction) -September 2022 - September 2023

• Economy of Conflict (Grade A1) - Developed in-depth knowledge of organised crime group financing and money laundering processes. Created a concise, 4-page, explanatory brief on Mexican OCG financing, including detailed counteractive policy solutions.
• Quantitative Analysis (Grade A2) - Employing R programming skills and statistical modelling techniques, produced a 30-page report on crime, anti-social behaviour and money laundering in the UK.

BSc Degree from the University of Glasgow - Economics & Geography (Grade - 2:1) - September 2015 - September 2016