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Natalie Hodgins

Natalie has worked in the field of anti-money laundering both as a lawyer and as a compliance professional for the past 20 years. She has worked in the DIFC since 2013 specialising in assisting firms in the insurance sector. Her clients included some of the world’s largest reinsurance companies and brokerages operating within the DIFC.

Natalie has a Bachelor of Arts degree in law from the University of Oxford and a Master of Science degree in forensic psychology and criminology from the Open University. She has also completed the Diploma in Compliance awarded by the International Compliance Association.

Shamshad Khan

Shamshad has more than 20 years’ experience in the financial services industry and has held senior compliance positions with several financial institutions in the insurance, asset management, investment banking and private banking sectors in both Canada and the UAE. She has been an in-house as well as outsourced Compliance Officer/MLRO for a number of firms regulated by the Dubai Financial Services Authority.

Shamshad has a Bachelor of Commerce degree in Accounting from Concordia University. She has completed the Investment Funds course from the Institute of Canadian Bankers, as well as the Officers’, Partners’, and Directors’ course from the Investment Funds Institute of Canada.

Barry Cotter

Barry has a Bachelor of Science degree in Chemistry from the University of Nottingham. After which he began his career in financial services compliance in London. Barry has been in the UAE since 2012 and has worked in both consulting and in-house capacities across a range of financial services firms.

He has also obtained the Advanced Diploma from the Chartered Insurance Institute and the Diploma in Compliance awarded by the International Compliance Association. Barry has a broad range of experience that he brings to Clarity.

Aisha Ibrahim

Aisha’s extensive professional background spans over 7 years, during which she has worked in audit and has acquired expertise in regulatory compliance and AML/CTF for DFSA regulated firms.

She holds a Bachelor of Laws from the University of Khartoum, Sudan, and is an ACCA Member. Aisha is also proficient in English and Arabic.

Ana Howells

Having moved to Dubai in 2017 following a career in the insurance industry in London, Ana has worked with some of the most prestigious insurance companies in the world. Most recently, she worked as an Operations Manager at one of the largest multinational broking firms in the DIFC. Ana assisted in the setup of a Reinsurance division in Kenya which required a comprehensive understanding of the regional regulatory requirements, and how to adapt internal operational processes and procedures to ensure compliance with both internal and wider regional regulatory frameworks.

Ana has also passed the DIFC Rules and Regulations exam with distinction.

Bhavika Asar

Bhavika has over 9 years of experience in the compliance field. Prior to joining Clarity, she worked with other compliance consulting firms based in the DIFC. She has been an authorised Compliance Officer/MLRO for various entities regulated by the Dubai Financial Services Authority. Bhavika has also previously worked as a Compliance Officer at a local bank, where she was managing the compliance requirements for HNI and wealth management clients.

Bhavika holds a Bachelor’s in Business Administration with specialisation in Human Resources from Manipal University, Dubai.

Chanda Chellani

Chanda hold over 10 years’ experience in the financial services industry, with vast experience of life insurance industry in UAE. Prior to joining Clarity, she worked as a client Officer at a wealth and asset management company, where she was managing the compliance requirements for HNI and wealth management clients.

Chanda is fluent in English and Hindi. She holds a Bachelor of Business Administration degree from William Carey University, India – with a focus on international business and corporate responsibility and is currently pursuing certification in ACAMS.

Cybele Nassif

Cybele has more than 10 years of professional experience including over 5 years in compliance/AML field. She has profound knowledge in digital assets from her past employment having worked with a leader in online banking based in the DIFC. Throughout her various tenures, she acquired extensive knowledge in intellectual property and retail banking. She is fluent in English, French, and Arabic.

Cybele holds a Bachelor degree in Banking and Finance from the Lebanese American University – ranked among the top 10 universities in the Middle East and operating under a charter from the Board of Regents of the University of the State of New York.

Flora Howard

Flora moved to Dubai and began working in the DIFC in 2012. In that time, she has been an outsourced Compliance Officer and MLRO for several firms across a variety of fields, mainly the insurance sector, with a focus in recent years on long term insurance. Flora is additionally experienced in the role of Company Secretary and project management.

Flora holds a joint honours Bachelor of Arts degree in History and English Literature from the University of Reading. Amongst other qualifications, she completed the Diploma in Compliance awarded by the International Compliance Association and the Certificate in Board Secretarial Practice, awarded by Informa.

Hitesh Bilochi

Hitesh has over 9 years’ experience in the Governance, Risk, Compliance and AML field. Prior to joining Clarity, he has worked with other compliance consulting firms based in the DIFC. He has been authorised/appointed as Compliance Officer, MLRO and Risk Manager for various entities regulated by the Dubai Financial Services Authority (DFSA) and Financial Services Regulatory Authority (FSRA) including those in the business of asset/fund management, corporate finance/private banking advisory, inter-dealer brokerage, and reinsurance (including those engaged in Insurance Intermediation and Insurance Management activities). Hitesh has also assisted a variety of firms with their DIFC incorporation and authorisation process, as well as with their DFSA license variation process.

Hitesh holds a Bachelor’s degree in Commerce with specialisation in Finance from the University of Wollongong in Dubai. He has completed a Diploma from the Chartered Institute of Management Accountants (CIMA) and has several Chartered Institute for Securities & Investment (CISI) certifications including on DIFC Rules and Regulations, Islamic Finance, Combating Financial Crime, and Global Financial Compliance. In addition, he has also completed the Reinsurance Basics Certificate from LOMA, and the Reinsurance Operations Certificate and Insurance Business Fundamentals Certificates from The Institutes (Risk & Insurance Knowledge Group).

Jaquiline Martin

Jaquiline has worked in the insurance industry for 20 years, choosing to specialise in the fields of anti-money laundering and compliance. Her clients include top reinsurers and insurance intermediaries based in the DIFC.

Jaquiline has a Bachelor degree in Commerce from University of Mumbai. She holds various certificates in compliance and anti-money laundering awarded by prestigious institutions including the IF1 Insurance, Legal and Regulatory Certificate from the Chartered Insurance institute. She is currently pursing a Diploma in Financial Crime from the Association of Certified Financial Crime Specialists.

Jennifer Curtin

Jennifer has worked within the compliance and AML field for over 7 years. She has extensive AML and Compliance knowledge from her past employments both in Ireland and the UAE. Authorised since 2018 with the Dubai Financial Services Authority, Jennifer has worked as a Compliance Officer/MLRO for several regulated firms based in the Dubai International Financial Centre.

Jennifer has a Bachelor of Arts Degree from University College Cork Ireland.

Jennifer Escolar

Jennifer has worked with Clarity since April 2021 and has been an integral part of the firm’s growth. She has over 15 years of experience in various fields such as retail banking, dmarine insurance, real estate, financial services and compliance. Jennifer graduated from a private catholic college in Philippines with a bachelor’s degree in Accountancy and moved to UAE in November 2011. Jennifer is also active in the field of Sports and a member of the UAE Badminton Federation.

Kashif Khan

Kashif brings a wealth of IT infrastructure and cybersecurity knowledge from his previous roles and is applying this both within the firm and with the firm’s clients. Kashif has also been heavily involved in the FinTech sector and continues to assist firms in this space. This includes both obtaining their regulatory licenses and meeting the necessary requirements once operational.

Kashif has a Bachelor of Business Administration degree from Canadian University Dubai.

Kerrie-Ann Harvison

Kerrie-Ann has more than 15 years’ experience in compliance and AML in the DFSA. She has worked as a senior and regional compliance executive in the legal and financial services industries and has been the authorized person for multiple DFSA regulated firms. Kerrie-Ann is additionally experienced in the role of Data Protection Officer.

Kerrie-Ann holds a Masters in Business Administration from Griffith University, Australia.

Lisa Finnigan

Lisa has over 10 years experience in the Compliance and AML field with the UK, Isle of Man & UAE regulators. Throughout her 7 years in Dubai, she has gained extensive AML and Compliance expertise in her roles at SCA regulated Wealth Management firms. In 2022, she became an authorised outsourced Compliance Officer & MLRO for multiple DFSA and ADGM firms.

Lisa holds a Bachelors degree in Business Management from Liverpool John Moores University, and holds professional certificates in Global Financial Compliance and Introduction to Securities & Investments from the Chartered Institute of Securities & Investments (CISI).

Mathilde Carava

Mathilde has over 10 years’ experience in the banking industry including 8 years in Compliance and AML/CFT fields. She has worked in the private sector for several international banking groups and in the public sector as a banking regulator. From her past experiences she has gained extensive experience in the AML/CFT field in various types of establishments (Retail, Corporate and Investment banking, Trade Finance activities, Virtual Assets Services Providers) and frequently conducted trainings on AML/CFT regulations. Amongst other professional qualifications, she has obtained the ACAMS Sanctions Specialist certificate in 2019. She is also fully proficient both English and French.

Mathilde holds two Master’s Degree from Paris Dauphine University in France. One in Economics and one in International Business Law.

Saad Askari

Saad joined Clarity in May 2022 as a Finance Manager and services clients with accounting support and conducting the outsource Finance Officer role. With almost 4 years of experience in the DIFC as an auditor at one of the top 10 audit and accounting networks in the world, Saad has developed a strong understanding of the financial services industry and regulatory environment of the DFSA along with a strong grasp on accounting standards. His experience includes auditing DFSA authorised firms and assisting the outsourced Finance Officer in budgeting and forecasting, preparation and submission of regulatory returns, capital monitoring and monitoring of controls.

Sarah Smith

Sarah has over 15 years’ experience in the financial services industry, having previously worked in the wealth and asset management industry in Australia, and as a regulator in the UAE. Prior to joining Clarity, Sarah worked at the Dubai Financial Services Authority, specialising in the licensing of wealth management and advisory businesses, as well as managing licensing enquiries. Sarah holds a Master of Business Administration degree from Griffith University, Australia – with a focus on sustainability and corporate responsibility. Sarah also holds a Diploma in Financial Planning from Kaplan University Australia, and an International Diploma in AML/CTF from the UK International Compliance Association. Additionally, Sarah has successfully undertaken the AML certification examination through the Association of Certified Anti-Money Laundering Specialists.

Theo Van Houten

Theo has over 20 years of experience in Compliance and Operational Risk Management and has worked for a wide range of regulated entities in the Asset Management, Fund Management, Commercial Banking and Investment Banking space, in Europe and the UAE (DIFC & ADGM).

Theo has a strong compliance consultancy background, including outsourcing, remediation, client acquisition and team management responsibilities. In addition, Theo was approved by the UK FCA as a SMF16 / SMF 17 licensed function holder. Theo holds a Bachelor’s Degree in Business Economics