Divya Karthik — Operations Associate

Senior Risk, Compliance, and Governance professional with 13+ years of experience across banking and fintech, specializing in AML, financial crime investigations, transaction monitoring, and regulatory compliance. CAMS and CFE certified, with deep expertise in STR reporting, KYC governance, fraud risk management, and regulatory engagement. Currently serving as Senior Manager - Process Reengineering at Paytm, driving enterprise-wide process governance and risk assurance initiatives. In this role, I conduct end-to-end process reviews across business and operational teams, identifying control gaps, strengthening governance frameworks, and recommending process reengineering, automation, and cost optimization opportunities to enhance operational resilience and compliance effectiveness. My experience spans AML operations, financial crime risk management, internal process assurance, and governance oversight, enabling organizations to strengthen control environments while improving efficiency and scalability. Proven track record of building SOPs, enhancing monitoring frameworks, leading investigative teams, and driving cross-functional risk and compliance initiatives across fast-growing fintech and banking environments.

Stackforce AI infers this person is a Fintech Risk and Compliance expert with a focus on AML and governance.

Location: Noida, Uttar Pradesh, India

Experience: 12 yrs 9 mos