Thenmozhi Manoharan CEIC/CRC/KYT

Operations Associate

Chennai, Tamil Nadu, India6 yrs 6 mos experience

Most Likely To Switch

Key Highlights

Expert in financial compliance across multiple jurisdictions.
Proficient in cryptocurrency AML and CTF regulations.
Strong track record in fraud investigation and risk assessment.

Stackforce AI infers this person is a Fintech compliance expert specializing in cryptocurrency regulations and financial crime investigations.

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Skills

Core Skills

Financial Crimes InvestigationsRegulatory ComplianceFraud InvestigationsAml Risk AssessmentCompliance ManagementKycFraud Detection

Other Skills

Blockchain Transaction AnalysisRisk AssessmentCrypto MonitoringDue DiligenceCompliance TrainingStakeholder ManagementSanction ScreeningChargebackMicrosoft ExcelTeamworkMicrosoft OutlookFinancial PlanningCompliance MonitoringStrategic ThinkingRegulatory Reporting

About

I am an experienced compliance professional with a rich and diverse background spanning multiple countries. With a passion for financial compliance and a commitment to upholding the highest ethical standards, I have dedicated my career to safeguarding the financial systems of various nations, including the dynamic realm of cryptocurrency. Throughout my professional journey, I have had the privilege of working in a range of international settings, gaining invaluable insights into the intricate world of anti-money laundering (AML) and counter-terrorism financing (CTF) regulations, particularly in the context of cryptocurrency. My extensive expertise includes crafting and implementing robust AML/CTF programs tailored to the unique challenges posed by digital assets, conducting thorough risk assessments, and ensuring strict adherence to regulatory requirements in the crypto sphere. With a proven track record of excellence in both traditional and emerging financial sectors, I am committed to navigating the complexities of cryptocurrency compliance to ensure the integrity and security of our financial systems in this rapidly evolving landscape.

Experience

6 yrs 6 mos

Total Experience

2 yrs 2 mos

Average Tenure

2 yrs 6 mos

Current Experience

Standard chartered

Senior specialist

Oct 2023 – Present · 2 yrs 6 mos · Chennai · On-site

Conduct financial crime investigations related to digital asset transactions across global jurisdictions including UK, UAE, Hong Kong and Luxembourg, supporting the bank’s institutional crypto and tokenized asset ecosystem.
Perform blockchain transaction analysis using Chainalysis Reactor and Chainalysis KYT to trace on-chain fund flows, identify wallet clusters and detect exposure to sanctioned entities, darknet markets, ransomware groups, mixers and fraud networks.
Monitor activity across centralized exchanges (CEX) and decentralized finance (DeFi) ecosystems, including DEX protocols, smart contract interactions, token swaps and cross-chain bridge transfers.
Assess financial crime risks linked to stablecoin transactions (USDT, USDC and other fiat-backed tokens) including large settlement flows, cross-chain movements and institutional trading activity.
Support monitoring of emerging tokenized financial products such as Tokenized Money Market Funds (TMMFs) within institutional digital asset platforms.
Conduct investigations across crypto custody and non-custodial environments, reviewing wallet behaviour, transaction patterns and counterparty risk linked to institutional clients and digital asset service providers.
Review exposure involving institutional custody providers including Anchorage Digital and Zodia Custody, ensuring appropriate financial crime monitoring and risk assessment.
Prepare detailed investigation summaries and suspicious activity narratives, escalating cases to the Financial Crime Compliance (FCC) team for regulatory review and potential SAR filing.
Collaborate with Digital Assets Product Owners and compliance teams to assess financial crime risks in digital asset custody and trading solutions.

Financial Crimes InvestigationsBlockchain Transaction AnalysisRisk AssessmentRegulatory ComplianceCrypto Monitoring

Nvayo limited

2 roles

Fraud and Transaction Team lead

Promoted

Apr 2023 – Sep 2023 · 5 mos · London, England, United Kingdom

Applied expertise in investigating potential AML risks in both traditional financial transactions and cryptocurrency transactions.
Thoroughly analyzed blockchain transactions, leveraging knowledge of crypto-related risks and trends.
Identified and investigated suspicious activities within cryptocurrency transactions, utilizing specialized tools such as Chainalysis.
Extended AML expertise to assess high-risk cryptocurrency payments, reviewing relevant documentation, and making informed decisions.
Conducted in-depth due diligence on customers engaging in cryptocurrency transactions, ensuring compliance with regulatory requirements.
Reviewed Suspicious Activity Reports for both traditional and cryptocurrency transactions.
Escalated significant findings related to cryptocurrency transactions to the DMRLO or MLRO following established procedures.
Worked closely with law enforcement agencies and regulatory authorities, particularly in cases involving cryptocurrency fraud.
Reported and escalated fraudulent activities related to cryptocurrency transactions in coordination with relevant authorities.
Provided specialized training to new employees on fraud prevention, AML policies, and procedures, with a specific emphasis on cryptocurrency-related compliance.
Delivered presentations and engaged with stakeholders to raise awareness, share insights, and provide updates on compliance initiatives, including those related to cryptocurrency.
Documented and updated Standard Operating Procedures for compliance processes, ensuring clarity, consistency, and adherence to industry regulations, specifically addressing cryptocurrency transactions.
Assessed and evaluated fraud risks in both traditional and cryptocurrency transactions, utilizing various tools and techniques to proactively identify and mitigate potential threats to the organization's financial security.
Served as an escalation point for colleagues, particularly around AML, fraud, and transactions related to cryptocurrency.

Fraud InvestigationsAML Risk AssessmentDue DiligenceCompliance TrainingStakeholder Management

Fraud and Transaction Analyst

May 2022 – Apr 2023 · 11 mos · London, England, United Kingdom

Conduct sanction/PEP screening and investigate potential hits.
Analyze payment and compliance data to identify trends and patterns.
Conducting CDD, EDD, ongoing monitoring and enhanced monitoring.
Identification and reporting of suspicious activity to relevant global financial
intelligence units.
Proactively escalate urgent cases to the MLRO/DMLRO for further review

Compliance ManagementFraud InvestigationsSanction Screening

Tata consultancy services

Process Associate

Aug 2019 – Apr 2022 · 2 yrs 8 mos · Chennai, Tamil Nadu, India

Citi Bank- Disputes
Conducted in-depth investigations into customer disputes related to fraudulent activities, unauthorized transactions, and financial discrepancies.
Reviewed and analyzed customer accounts, transactional data, and supporting documentation to determine the validity of claims and identify potential instances of fraud.
Collaborated with internal teams, such as Customer Service, Risk Management, and Legal, to gather relevant information and evidence for investigations.
Utilized fraud detection tools and systems to identify patterns, trends, and anomalies indicative of fraudulent activities.
Prepared detailed investigation reports, including findings, recommendations, and supporting evidence, to facilitate decision-making and resolution of customer disputes.
Citi Bank- KYC CIP
Conducted comprehensive Know Your Customer (KYC) due diligence and Customer Identification Program (CIP) processes to verify the identity of new and existing customers, ensuring compliance with regulatory requirements.
Reviewed and analyzed customer documentation, such as identification documents, business certificates, and financial statements, to validate customer identities and assess their risk profiles.
Conducted enhanced due diligence (EDD) for high-risk customers, including politically exposed persons (PEPs) and high-net-worth individuals (HNWIs), to identify any potential money laundering or terrorist financing risks.
Utilized internal and external data sources, including sanctions lists and adverse media, to conduct risk assessments and identify potential red flags or suspicious activities.