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Zaruhi Atoyan is an experienced professional currently serving as the AML Responsible for Onboarding and Monitoring at Ardshinbank CJSC since June 2014, with previous roles including Senior AML Analyst and Compliance Risk Manager. Zaruhi’s expertise encompasses the analysis of non-resident individuals and entities, compliance risk management, and monitoring credit exposures. Prior experience includes serving as a Credit Analyst and Business Client Advisor at ProCredit Bank, where Zaruhi evaluated credit risks and managed client relationships. Zaruhi holds a Master’s Degree in Accounting and Finance and a Bachelor’s Degree in Merchandise and Quality Expertise from the Armenian State University of Economics, and is also pursuing studies in Eastern Languages.