We help your business from compliance regulatory perspective
Risk Smart Professional
Risk Smart Professional L.L.C is a Leading flagship AML/CFT, Fraud Risk Management and Business & Regulatory Compliance (governance, risk management, & compliance) Consulting Firm
044 234 735
8am – 5pm
Available 5 Days A Week
We Offer Professional
& Creative Solutions
Understanding the roles, responsibilities, and relations between parties is vital to creating a compliance culture that is aligned with regulatory expectations. Having a culture of compliance is also essential when creating a sound and robust risk management governance structure.
Compliance risks is a very niche area with very few compliance professionals in Kosovo. Thus, RSP came in to fill up the gap with its professional services.
To serve our clients by viewing compliance not as a silo function, but rather as part of an integrated and wide ranging governance, risk and compliance (GRC) structure, with each element working in conjunction with the others.
To be a flagship and a leader where compliance programme is used as a broad and high-level term to capture all the actions and activities put in place to manage compliance risk.
To be an added value and not burden to our clients, as governance, risk and compliance are connected by the strategy, culture and values of the company.
Risk smart professional
Meet Our CEO
Main Areas of Expertise & Career Summary
Musa is a founder and managing director of Risk Smart Professional L.LC, a Leading flagship AML/CFT, Fraud & Regulatory Compliance Consulting Firm. Previously, he has served various functions, to name few, Chief Legal Officer, Legal and Compliance officer, Legal Advisor at Executive Mobile Judges Unit - EULEX-Mission in Kosovo, Researcher in procurement area, Teaching Assistant in a College level, etc.
Experienced consultant in legal compliance, Anti-Fraud, and Anti-Money Laundering, compliance risk management, with a demonstrated history of working in the banking, microfinance and none banking financial services industry.
Musa is amongst the few in Kosovo to possess credentials of ‘Gold’ standards “CAMS” (Certified Anti-Money Laundering Specialist), CAMS-RM (Certified Anti-Money Laundering Specialist- Risk Management), “CFE” (Certified Fraud Examiner), Certificate in Global Financial Compliance & Certificate in Risk in Financial Services – ongoing.
Musa is active member of:
- Association of Certified Anti-Money Laundering Specialist and
- Association of Certified Fraud Examiners.
From Conceptualization to Implementation of CSR in ICT Industry, 2018, LAP LAMBERT Academic, ISBN 9783659823527.
“The Effect of European Convention and the European Court of Human Rights Within Constitutional Order of Kosovo and their Relationship”, Mediterranean Journal of Social Sciences Vol. 6 No 6 November 2015, Mediterranean Journal of Social Sciences, Italy
“The Feasibility of Corporate Social Responsibility and Social Welfare – the case of Kosovo”, Mediterranean Journal of Social Sciences, Vol. 6 No 6 November 2015. Mediterranean Journal of Social Sciences, Italy
What We Do is What We Offer
Founder & CEO
Native Albanian. Fluent in English. Basic in Malay language.
2020 – ongoing, Chartered Institute for Securities & Investments, London, Certificate in Global Financial Compliance - Level 3 UK- Level 4 EU
2020 – ongoing, Chartered Institute for Securities & Investments, London, Certificate in Risk in Financial Services - Level 3 UK - Level 4 EU
2020- ongoing, Association of Certified Anti-Money Laundering Specialist, USA, Certified Anti-Money Laundering Specialist – Risk Management (CAMS-RM)
2019, Association of Certified Fraud Examiners, USA,_ Certified Fraud Examiner (CFE)
2019, Association of Certified Anti-Money Laundering Specialist, Certificate: AML for FinTechs
2018, Association of Certified Anti-Money Laundering Specialist, Certified Anti-Money Laundering Specialist (CAMS)
2012, Riga Graduate School of Law, Master of Laws (LL. M)
2011, International I. University of Malaysia (IIUM), Bachelor of Laws (LL. B)
About the ACFE
The ACFE is the world's largest anti-fraud organization and premier provider of anti-fraud training and education. Together with more than 85,000 members, the ACFE is reducing business fraud worldwide and inspiring public confidence in the integrity and objectivity within the profession.
The CFE Credential
- The Certified Fraud Examiner (CFE) credential denotes proven expertise in fraud prevention, detection, and deterrence. It is Recognized as the “Gold Standard”
The ACAMS is the largest international membership organization for Anti-Financial Crime professionals. We support individuals and organizations who are dedicated to ending financial crime through thought leadership, continuing professional education, and our best-in-class peer network.
The CAMS Credential
CAMS is recognized as the gold standard in AML certifications by institutions, governments and regulators worldwide.
The CAMS-RM Credential
Advanced CAMS-Risk Management (CAMS-RM) is the global certification that demonstrates a professionals specialized knowledge in managing financial crime risk.
AML Compliance Risk Management Program
Compliance programs are increasingly adopted as best practice in companies – both domestically and internationally – and are widely regarded as essential to meet stakeholders’ expectations of management. So, it is the objective of this program.
- Developing and /or reviewing AML / CFT Program based on practices of ACAMS, ICA & FATF.
- AML/CFT assessment
Enterprise Risk Compliance Management Framework
This program aims to provide guidance on the application of ERM framework to the identification, assessment, and management of compliance risks by aligning it with the Compliance & Ethics program framework, creating a powerful tool that integrates the concepts underlying each of these valuable frameworks
- Enterprise Compliance Risk Management Frameworks based on COSO & ACFE model & relevant ISO standards, assessment tools and methodologies
- -Risk Strategy and Risk Governance
Advanced & focused Trainings in:
AML risk assessment;
Testing & evaluating anti-fraud & internal controls
Financial Crime Prevention
Trade Based Money Laundering
Fraud Risk Assessment & Management
Fighting Fraud in Government and municipality etc.
Compliance Fraud Risk Management Program
Program Fraud prevention requires a system of policies and procedures, which, in their aggregate, minimize the likelihood of fraud occurring while maximizing the possibility of detecting any fraudulent activity that might transpire. The possibility of being caught serves as a deterrent to potential fraudsters. Thus, the existence of a thorough control system is essential to fraud prevention
- Developing and /or reviewing Fraud Risk Management, Fraud Risk Assessment and Controls Program
- Developing and /or reviewing an Integrated Anti-Fraud, Compliance and Ethics Program
- Fraud Investigation -Uncover the facts that matter
Business compliance (Governance, Risk management & Compliance)
A compliance programme incorporates many elements which must work together cohesively as a system to help deliver compliance in an organisation. Different organisations and industries may use different terminologies, and no signle solution can be applied universally. The test of effectiveness of a programme is its content and effectiness, rather then the titles used for its various elements.
- Drafting & Reviewing Policies, Procedures & Standards
- Remediator of Audit and Regulatory Findings
- Anti-Corruption assessment
- Risk Controls and Key Metric Assessments
- FinTech & RegTech Services
- Credit Risk Management
- Because our service is a combination of flagship and gold standard qualifications recognized all over the globe and experienced working history in the same area.
- Because we work with the client to achieve balanced results which work for the business, the customer and the regulator.
- Because we provide pragmatic, and balanced recommendations, which helps the company to achieve compliance and to achieve its strategic objectives.
- Because the role of compliance is to advise senior management on how they can safely balance compliance with the commercial pressures the company is facing
- Because we adopt proportionate approach by understanding the need to take balance decision that meet the needs of the regulator, the customer and the business
Our Partners & Clients
- Banking Sector
Microfinance institutions & non-banking microfinance institutions
- Large companies
Is highly tailored and personalized to the specific needs of each client.
Risk-based approach, which is achieved by Listening, Understanding, Evaluating, Producing, Reviewing.
Risk Smart Professional
Is partnered with different stakeholder on project-based model
Quick and Painless
Code of Conduct
Our Ethical Value
As an industry leader, we want to set an example in the marketplace when it comes to ethical values and professional standards. The Code of Conduct provides a clear approach for how we expect all members of the Board of Directors and employees to conduct themselves. Only by operating within this framework can we maintain and strengthen our reputation for integrity,fair dealing and measured risk-taking. Our client-focused,capital-efficient strategy is designed to help realise this ambition and is reinforced by our principles of being a proactive, principled partner to our clients.
A reputation for integrity is essential for our long-term success
We take responsibility for our actions and honour our commitments to our stakeholders
We treat our employees with respect and fairness.
We strive to maintain an exemplary control and compliance culture
We treat confidential information as such and do not disclose any non-public information unless required to do so by law
We are committed to behaving in an ethical and professional manner
Our Professional Standards
SErvice and EXCELLENCE
We are committed to being a proactive, principled partner to our clients
Our business is based on disciplined and intelligent risk-taking
We seek constructive, transparent and open dialogue with our stakeholders
Adherence to Laws and Regulations
Members of the Board of Directors and employees are expected to comply with all applicable laws, regulations and policies
We conduct our business with a long-term view to support environmental and social sustainability
We value the efforts of our employees and strive to create a work environment that is designed to attract, develop and retain talent.
You Don’t Have to Break the Bank to Be in Good Hands
Think globally and pay locally
Microfinance institutions & non-banking microfinance institutions
Lawyers and notaries
Government and municipality level institutions
SME-s, Large companies, & NGOs
Natural or legal persons trading in goods, real estate agents and real estate brokers, accountants, auditors and tax advisers, trust founds, and sellers of precious metals and precious stone traders.
Personal Blog & Articles
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