Naheed Akram

Transformation Lead | AI Governance · Financial Crime · Data & Controls · Operating Models | Helping regulated organisations make complex change land in reality | £50M+ delivered

United Kingdom

About

Your organisation has invested millions in transformation. The benefits still have not landed. The platform is live. The governance pack is complete. The steering committee has closed the programme. The business case said the savings would come. But six months later, teams are back in spreadsheets. Controls are being worked around. Ownership is unclear. The ROI is still theoretical. That is a delivery gap. I’ve spent 15+ years working across banking, fintech and regulated environments, including HSBC, Deutsche Bank, Shawbrook Bank and Heathrow Airport. I lead complex programmes across technology, operations, data, compliance, financial crime and governance, from £4M to £30M. The pattern is consistent. Programmes rarely fail because of one dramatic mistake. They fail because small disconnects build between strategy, ownership, controls and delivery. The budget is spent. The system goes live. The change doesn't hold. That's the gap I close. In practice, this has included: → HSBC: £8M KYC programme delivering £4M in measurable savings through automation, alert reduction and workflow redesign. → Heathrow: £30M aviation IT transformation replacing a legacy database across one of the world’s busiest airports with zero operational disruption. → Shawbrook: 6 compliance workstreams delivered simultaneously against a hard FCA deadline, with outcomes holding up under regulatory scrutiny. → Deutsche Bank: £4M global risk data transformation reconciling contradictory data across source systems and rebuilding reporting from the ground up. Most programmes treat technology, operating model, data and governance as separate workstreams. They aren't The delivery gap opens in the space between them. That is where I work. My experience spans transformation strategy, digital and AI-enabled change, operating model redesign, financial crime, data/control transformation and AI governance in regulated environments. I provide senior strategic and delivery capability directly on the work. Not a model where the senior person sells the engagement and disappears. I help make sure what was promised is what actually gets delivered. → [email protected]

Experience

  • Director/Transformation Leader at Karakor Consultancy

  • Founder/Transformation Leader at Karakor Consultancy

  • Founder/Programme Manager / Transformation Lead at Karakor Consultancy

    Independent transformation services delivering technology, digital, AI, data and regulated change across financial services, fintech, healthtech, aviation and complex operating environments. • Supported FCA licence approval activity and payment platform implementation from pilot to go-live across technology, operations and compliance teams • Managed AI solution delivery, model evaluation, AI governance documentation, stakeholder requirements and adoption across specialist user groups • Led £30M aviation IT transformation replacing legacy operational database infrastructure and supporting transition toward an AI-enabled operating environment • Delivered payment and healthtech start-up delivery across product/platform implementation, operational readiness, stakeholder coordination and regulated change • Established programme governance, RAID management, SteerCo reporting, AI governance controls, delivery cadence, testing, deployment and BAU handover across multi-workstream programmes

  • Founder | Senior Delivery Manager / Transformation Lead at Karakor Consultancy

    Independent transformation delivery across technology, digital, AI, data, product and operating model change in financial services, fintech, payments, healthtech, aviation and complex regulated environments. Strong focus on delivery governance, RAID, stakeholder reporting, AI governance, controls, operational readiness and BAU handover. • Supported FCA licence approval activity and payment platform implementation from pilot to go-live across technology, operations and compliance teams • Managed AI solution delivery, model evaluation, AI governance documentation, stakeholder requirements and adoption across specialist user groups • Led £30M aviation IT transformation replacing legacy operational database infrastructure and supporting transition toward an AI-enabled operating environment • Delivered payment and healthtech start-up delivery across product/platform implementation, operational readiness, stakeholder coordination and regulated change • Established programme governance, RAID management, SteerCo reporting, AI governance controls, delivery cadence, testing, deployment and BAU handover across multi-workstream programmes

  • FinCrime & Risk IT Project Manager at HSBC

  • Project Manager — KYC, Screening & Technology Transformation at HSBC

    Delivered global KYC, customer screening and workflow transformation across financial crime and customer risk processes. • Managed £8M global transformation implementing automated customer screening and Digital Blockchain KYC controls • Delivered c.£4M cost reduction through alert reduction, workflow redesign and process automation • Implemented OCR-based customer verification, Datacap and machine learning-enabled controls • Improved onboarding and risk review processes for medium- and high-risk customers • Managed IBM and onshore/offshore delivery teams across Agile/Scrum delivery • Established governance and control frameworks for customer data, risk assessment and compliance requirements

  • Compliance/FinCrime Project Manager at Deutsche Bank

  • Risk & Compliance Project Manager / Data Quality Lead at Deutsche Bank

    Delivered risk, compliance, data quality and reporting transformation across global systems. • Led £4M global risk management transformation across legacy and target systems • Standardised processes, strengthened data controls and improved management information / MI • Enhanced risk assessment framework through gap analysis, remediation, mapping, consolidation and quality assurance • Designed process improvements and system enhancements for regulatory risk assessments • Managed end-to-end business change including control design, calculation methodologies, QA, reporting, impact assessments, UAT and training • Supported Hadoop-based financial/risk data environment, data sourcing, dashboards and reporting capability

  • Project Manager — Data, Risk, Governance & Reporting Transformation at Deutsche Bank

    Delivered data, reporting, governance and business change transformation across global risk systems. • Led £4M global risk management transformation across legacy and target systems • Standardised processes, strengthened data controls and improved management information / MI • Enhanced risk assessment framework through gap analysis, remediation, mapping, consolidation and quality assurance • Designed process improvements and system enhancements for regulatory risk assessments • Managed end-to-end business change including control design, calculation methodologies, QA, reporting, impact assessments, UAT and training • Supported Hadoop-based financial/risk data environment, data sourcing, dashboards and reporting capability

  • Project/Programme Manager at Shawbrook Bank

  • Programme / Project Manager — Regulated Change, Financial Crime & Controls at Shawbrook Bank

    Programme / Project Manager — Regulated Change, Financial Crime & Controls Delivered regulated technology, compliance and control change across a £4M programme under FCA-driven timelines. • Implemented customer onboarding risk platform using TruNarrative APIs to strengthen compliance and operational controls • Delivered automated customer due diligence / CDD across bank entities • Managed financial crime, QC/QA, staff vetting, supplier procurement risk and gifts & entertainment system implementations • Scoped automated transaction monitoring and trigger events delivery, including feasibility assessment and cost-benefit analysis • Led requirements, stakeholder management, UAT, rollout, operational readiness and BAU handover • Produced SteerCo updates, working group materials, solution papers, PIDs, process maps and SOPs

  • Programme / Project Manager — Financial Crime, Governance & Control Change at Shawbrook Bank

    Programme / Project Manager — Regulated Change, Financial Crime & Controls Delivered regulated technology, compliance process and control change across a £4M programme under FCA-driven timelines. • Implemented customer onboarding risk platform using TruNarrative APIs to strengthen compliance and operational controls • Delivered automated customer due diligence / CDD across bank entities • Managed financial crime, QC/QA, staff vetting, supplier procurement risk and gifts & entertainment system implementations • Scoped automated transaction monitoring and trigger events delivery, including feasibility assessment and cost-benefit analysis • Led requirements, stakeholder management, UAT, rollout, operational readiness and BAU handover • Produced SteerCo updates, working group materials, solution papers, PIDs, process maps and SOPs

  • Corporate Finance Project Manager at RBS International

  • Project Manager — Corporate Banking Finance Transformation at RBS International

    Delivered finance transformation and planning system change across Corporate Banking as part of the FiRST programme. • Delivered a strategic planning system to modernise Corporate Banking finance systems across scope, time, cost and quality targets • Managed budgets, forecasting, MI and legacy data remediation to support migration into a new online planning platform • Produced financial analysis and Board-level reporting to support programme governance, oversight and decision-making • Coordinated business change, data migration, stakeholder management and implementation activity across finance and technology teams

  • Risk & Finance Data Quality Lead at Deutsche Bank