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About HITL AML
Who We Are

We are the human in the loop.

Automation without oversight is a regulatory liability. We exist to close that gap, pairing the speed of artificial intelligence with the judgement of certified AML and CFT professionals who review, validate, and stand behind every output before it reaches a regulator.

HITL AML is the world’s first Human in the Loop AML compliance service, powered by NIYEAHMA Consultants LLP. AI generates, humans govern.

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Why We Exist

A regulator does not supervise an algorithm. It supervises an organisation, and the qualified people accountable for it.

Artificial intelligence has transformed AML and CFT compliance. Screening is faster, risk scoring is more consistent, and policy drafting takes hours instead of weeks. Across every market we operate in, supervisors expect a named professional who reviewed the work, understood it, and will defend it, not a system log and a confidence score. The tools have changed. That expectation has not.

We built HITL AML for that reality. Every output our clients rely on passes under the eye of a qualified reviewer, so the work moves at the pace of technology while carrying the accountability of a person who can explain, justify, and defend it.

What We Believe

Three convictions we work to.

01
Accountability

It cannot be automated.

Regulators do not supervise code. Across risk assessments, policies, KYC decisions, and reports, responsibility rests with professionals who can stand behind the outcome. AI can assist the process. It cannot inherit the accountability.
02
Verification

Speed is only an asset once it is checked.

Even advanced tools can miss context, overlook a jurisdiction-specific requirement, or produce conclusions that read well but do not survive scrutiny. The faster compliance work is produced, the more the validation matters. Without expert review, efficiency quietly becomes exposure.
03
The Loop

The human stays in it.

This is where we are most ourselves. A standing layer of human governance sits across every output a tool produces, with the audit trail a supervisor will ask for built in by design. Technology first, human governed, every time.
Our Team

The people behind the sign-off.

01
Pathik Shah

Pathik Shah

Founder
0Years
FCA, CAMS, CISA, CS, DISA (ICAI), FAFP (ICAI)

Pathik is a Chartered Accountant with over 28 years of experience in governance, risk, and compliance. He helps companies with end-to-end AML compliance services, from conducting Enterprise-Wide Risk Assessments to implementing robust AML compliance frameworks. He has played a pivotal role as a functional expert in developing and implementing RegTech solutions for streamlined compliance. Pathik’s expertise extends to guiding businesses in navigating complex regulatory landscapes, ensuring adherence to FATF and other international standards, and mitigating financial crime risks. He is a recognised thought leader in AML/CFT, frequently sharing insights on emerging compliance challenges on various platforms.

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02
Jyoti Maheshwari

Jyoti Maheshwari

Partner
0Years
CAMS, ACA

Jyoti is a Chartered Accountant and Certified Anti-Money Laundering Specialist (CAMS), having around 11+ years of hands-on experience in regulatory compliance, legal advisory, policy-making, tax consultation, and technology project implementation. Jyoti holds experience with Anti-Money Laundering regulations prevalent across various countries. She helps companies with risk assessment, designing and deploying adequate mitigation measures, and implementing the best international practices to combat money laundering and other financial crimes.

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03
Dipali Vora

Dipali Vora

Partner
0Years
CAMS, ACS

Dipali is an Associate member of ICSI and a Certified Anti-Money Laundering Specialist (CAMS). She has an overall experience of 10+ years in the compliance domain, including Anti-Money Laundering, due diligence, secretarial audit, and managing scrutiniser functions. She currently assists clients by advising and helping them navigate through all the legal and regulatory challenges of Anti-Money Laundering Law. She helps companies to develop, implement, and maintain effective AML/CFT and sanctions programs. She knows Anti-money laundering rules and regulations prevailing in major countries and specializes in Enterprise-wide risk assessment, Customer Due-diligence, and Risk assessment.

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04
Monika Shah

Monika Shah

Partner
0Years
CAMS

Monika is a Certified Anti-Money Laundering Specialist (CAMS) and a Partner at NIYEAHMA, with hands-on experience across the full AML/CFT compliance lifecycle.


She helps DNFBPs and regulated businesses with ML, FT and PF risk assessments, AML policy and procedure drafting, customer due diligence, screening, regulatory reporting, training, and AML/CFT health checks and audits. She is equally equipped to discharge MLRO functions and to advise clients on selecting and configuring AML software.


Monika works with genuine depth in the UAE regime, including Federal Decree-Law No. 10 of 2025 and Cabinet Decision No. 134 of 2025, and has supported clients across India, Singapore, Australia, the UK, Oman, Saudi Arabia, Hong Kong and Bahrain. To date, she has delivered more than 100 AML/CFT frameworks for clients across precious metals, real estate, legal, accounting, corporate services and virtual asset sectors, and has authored over 50 contributions on financial crime typologies, risks and red flag indicators.

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By the Numbers

What we bring to the table.

The Measure
What It Means For You
0
Of AML and CFT expertise. Deep domain knowledge, not generic consulting.
0
Hours of compliance training delivered. We know what regulators actually expect.
0
Jurisdictions with certified professionals. Local regulatory fluency, global reach.

Work with the people who sign the work.

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