Youro

Youro Das
Dutch nationality • [open contact info](look above in the "contact info" section) • [open contact info](look above in the "contact info" section)
Languages: Dutch (native), English (fluent)
ABOUT
Curious and honest. Five years in AML/KYC at a large bank, hands-on with crypto in my own time (DeFi, running nodes), and I design and ship my own full-stack software. I came into compliance out of genuine interest in how businesses run and how money moves, and stayed because the work keeps feeding that curiosity. What gives me the most energy are the small structural fixes, like noticing when ten people are doing what one batched email could do and proposing the change. Same outside work: I build things to understand how they work, rather than just read about them.
I think in solutions rather than problems and pick up new processes fast. I do my best work as a genuine part of a small, driven team, close to what’s being built rather than just a number, but I’m just as comfortable owning a caseload end to end on my own. I’m happy anywhere I get to keep learning.
ANALYST PROFILE
Worked across the full client spectrum over the past five years: retail, SMEs (sole proprietorships and smaller LLCs), corporates with real-estate and cross-border structures, and currently financial institutions such as banks, fintechs, investment firms, private equity and government clients. Moving across these segments has sharpened how I translate context, spot patterns early, and know when to step back and recalibrate. Writing the clear, defensible case files that decisions rest on is the part I’m most confident in.
Colleagues come to me for UBO puzzles, “how would I phrase this”, “should I ask for this”, and risk-based judgment calls. They bring things to me because I take them seriously and am willing to make a call, and when I don’t have the answer, thinking it through together usually gets us there.
Now I’d like to move into a fintech or Web3 team.
CORE SKILLS
KYC / KYB / CDD / EDD · UBO & ownership structures · Source of funds & wealth · Sanctions & adverse-media screening · Transaction monitoring · SAR / FIU / FIOD reporting · Client exits & de-risking · Cross-border / multi-jurisdictional risk
PROFESSIONAL EXPERIENCE
KYC / AML Analyst05/2025 – Present
ABN AMRO Bank N.V., Financial Institutions team, Netherlands
• Run KYC/AML risk assessments of financial-institution clients with cross-border structures, working directly with them to clarify documentation and classify risk.
• Use AI-assisted tools in the workflow to speed up information processing and keep case files consistent, while keeping risk judgment independent.
• Work with the second and third lines of defence to standardise case formats and keep reviews consistent across the team.
KYC / AML Analyst04/2023 – 12/2024
ABN AMRO Bank N.V., Corporate Clients team, Netherlands · Contract
• Ran end-to-end periodic and event-driven (PR/EDR) KYB and EDD reviews on medium-to-high-risk corporates in real estate, maritime and other high-risk sectors, covering ownership structures and UBOs, source of funds, transaction patterns, sanctions and adverse-media screening, and regulatory exposure.
• Escalated and reported risks to Compliance, FIU-Nederland and FIOD, and recommended client exits / de-risking where risk couldn’t be mitigated.
• Caught a deadline risk from poor client data early and moved the team from individual outreach to a single batched request, within the regulatory framework and without dropping standards.
Interim CDD Consultant10/2022 – 02/2023
Avantage Reply, Belgium · Contract
• Investigated high-net-worth, private banking and SME corporate files focused on country risk, cross-border activity and cash-intensive industries.
• Managed client communication and reported to internal committees and the FIU directly.
KYC / AML Analyst11/2020 – 09/2022
ABN AMRO Bank N.V., Retail & SME team, Netherlands
• Handled periodic and event-driven reviews on cash- and transaction-related risk for private individuals and SME clients (incl. sole proprietorships and smaller LLCs); escalated and reported to Compliance and the FIU.
• Analysed business activities, ownership structures, source of funds, and international money flows and transaction patterns.
Junior Consultant06/2019 – 12/2019
USG People Netherlands (now RGF Staffing) · Contract
• Designed a selective Excel-based extract-and-batch-upload approach to replace fully manual data migration during a company-wide ERP transition, relinking records to the right dossiers and sharply cutting manual workload.
EDUCATION
Bachelor in Small Business & Retail Management2013 – 2018
Hogeschool Windesheim Flevoland
TECHNICAL & INTERESTS
• Tools: MS Office, ERP systems, and SQL / databases.
• Building & shipping: A cross-platform, offline-first app for managing boat parts and maintenance, backed by a custom CMS. Full-stack ownership across three codebases, self-taught and AI-assisted: a Flutter app (iOS/Android), a Go API, and a Next.js admin panel, with PostgreSQL (cloud) and SQLite (offline sync). Also built a full e-commerce site for a local business (Next.js + Supabase), design through payments.
• Web3 & financial infrastructure: Up to date with the crypto ecosystem, and comfortable with how SWIFT and inter-bank payment rails work, on top of a broad grounding in financial products from years inside financial institutions.