About the Founder
Nayeem Mano
GRC executive. 27 years in payments, banking, and risk across three continents. Serving BSA/AML Compliance Officer of a large public US company. Perennial builder.
Nayeem's career began in 1998 in commercial credit at Standard Chartered Bank — and restarted, from scratch, as an immigrant to Canada whose experience the local market didn't yet know how to read. What followed is the arc QAML is built on: two decades of deliberate compounding through credit risk, predictive analytics, payments, cards, and anti-money laundering, across credit unions, a public provincial bank, two venture-backed fintechs, and now a public US company.
He has run the numbers side — a $250 million card portfolio with full P&L accountability, credit policy through two recessions — and the control side: building a BSA/AML program from zero at a startup, then carrying compliance officer accountability for roughly $450 billion in annual payment flows. Few practitioners have held both the growth P&L and the compliance pen; that dual vantage is QAML's editorial spine.
QAML — Quantum AML — is his platform for the conviction that financial crime compliance is entering a step-change: AI-scale detection, converging global regimes, and a profession that must grow to govern both. He writes it for the practitioners running today's programs and coaches the newcomers who will run tomorrow's.
“Compliance done well is not friction. It is the trust infrastructure that lets honest money move fast.”
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The Record
1998
Commercial credit, Standard Chartered Bank
The foundation: credit judgment learned inside one of the world’s great trade banks.
2005 – 2015
Risk leadership, ATB Financial
A decade rising through predictive modeling, portfolio growth, and payments risk — ultimately directing AML and credit risk policy for the payments portfolio, and steering credit policy through the 2014–2016 recession.
2015 – 2016
Head of Risk & Analytics, Tua Financial (fintech)
First startup tour: building a fully automated online lender’s risk function in an evolving regulatory environment.
2016 – 2022
Head of Cards & Payments, Servus Credit Union
P&L accountability for a $250 million credit card portfolio and a 25-person multidisciplinary team. Quintupled card profitability in five years, negotiated a portfolio acquisition from TD Bank, and built a national debit program for the credit union system.
2022 – 2024
VP Risk & AML Compliance, Airbase
Built risk and compliance from zero at a Silicon Valley spend-management unicorn: the AML/BSA program, credit underwriting, fraud and chargeback operations, and an integrated vendor stack that saved customers $2M+ in attempted vendor fraud.
2024 – Present
Director AML Compliance & BSA Officer, Paylocity
Accountable for the AML/CFT function of a large public US company — US ML/TF compliance across approximately $450 billion in annual payroll, expense, and vendor payments.
BBA, MBA
formal foundation
3
continents of banking experience
25+
largest team led, multidisciplinary
12+
risk vendors personally integrated
Work Together
Two ways to put this experience to work.
Advisory for institutions building or hardening their risk and compliance programs — and coaching for the people trying to break into the profession.