Chandan Kumar

Operations Associate

Faridabad, Haryana, India3 yrs 6 mos experience

Key Highlights

3+ years in Financial Crime compliance.
Expertise in AML/CFT and CDD operations.
Proficient in SWIFT payment screening.

Stackforce AI infers this person is a Financial Crime Compliance Specialist with expertise in AML and KYC processes.

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Skills

Core Skills

Enhanced Due DiligenceRisk AssessmentKyc VerificationAml ComplianceKyc Due DiligenceSwift PaymentsSanctions Screening

Other Skills

Fraud InvestigationsAdverse Media ScreeningFootprintsCALYPSOMurexOracle Financial Services Revenue Management and Billing (ORMB)GTSCIBFMEquifaxASICDeactivationInternational Swaps and Derivatives Association (ISDA)AML/KYC FCCAttention to Detail

About

Seasoned Financial Crime professional with 3+ years of experience in the BFS sector, specializing in AML/CFT, FCFP, and FCRM operations. Currently associated with Genpact India Pvt. Ltd., supporting one of Australia’s top-tier (4th largest) financial institutions within the Business Compliance Management (BCM) domain. Hands-on expertise in end-to-end global CDD and periodic/regular reviews across diverse legal entity types and sub-types. Proficient in SWIFT Tier-1 payment screening (incoming & outgoing) under MT ISO 15022 and MX ISO 20022, including alert investigation against World-Check watchlists covering OFAC, UN, EU Sanctions, PEP, and SDN requirements. Strong working knowledge of AUSTRAC AML/CTF Act 2006 (Part B), Bank Secrecy Act (BSA), and USA PATRIOT Act (314(a)/(b)), ensuring regulatory compliance and risk mitigation. Adept at leveraging industry-standard compliance tools and technologies to safeguard institutional integrity. Highly inquisitive, quality-driven, and committed to continuous learning, with a long-term career focus on clearing the Certified Anti-Money Laundering Specialist (CAMS) certification to further strengthen compliance frameworks and deliver enhanced organizational value.

Experience

3 yrs 6 mos

Total Experience

2 yrs 3 mos

Average Tenure

1 yr 4 mos

Current Experience

Wns

2 roles

Senior Associate Operations - Enhanced Due Diligence Analyst

Promoted

Jan 2025 – Present · 1 yr 4 mos · Gurugram, Haryana, India · On-site

Conducted decision-based Enhanced Due Diligence (EDD) reviews for high-risk and very high-risk customers, including travel, charity, trust, and complex business structures, in line with regulatory expectations.
Interpreted and applied complex regulatory and compliance requirements within the financial services environment to ensure accurate risk assessments and defensible outcomes.
Performed in-depth investigations and analytical reviews, exercising sound judgment to resolve complex risk issues and determine appropriate mitigation or escalation actions.
Executed sanctions, PEP, and adverse media screening on high-risk entities and their Ultimate Beneficial Owners (UBOs) using Thomson Reuters CLEAR, identifying potential financial crime exposure.
Managed high-complexity casework, responding to requests from internal stakeholders, financial partners, and cross-functional teams within defined SLAs.
Prepared clear, concise investigative summaries, risk assessments, and draft regulatory reports, ensuring strict adherence to internal SOPs, policies, and regulatory standards.

Fraud InvestigationsKYC VerificationRisk AssessmentSanctions screeningAdverse Media ScreeningEnhanced Due Diligence

Senior Associate Operations – Risk Analyst (Global KYC)

Jan 2025 – May 2025 · 4 mos · Gurugram, Haryana, India · On-site

Reviewed the authenticity of customer identification documents, including ID images, selfies, and electronic ID&V (eIDV) system red flags, to detect potential fraud and identity risk.
Verified customer data accuracy by cross-checking system inputs against official identity documentation in line with KYC standards.
Initiated blocking of transactional and credit card accounts upon identification of material discrepancies or high-risk indicators.
Assessed and determined acceptance, rejection, or escalation of eIDV cases, referring complex or suspicious cases to Fraud Operations for further investigation.
Monitored eIDV system performance and outcomes, identifying incorrect system behavior, false negatives, or processing gaps.
Ensured strict adherence to AML/KYC policies, internal procedures, and statutory regulatory requirements.

KYC VerificationFraud Investigations

Genpact

4 roles

Off-Boarding Analyst

Sep 2024 – Mar 2025 · 6 mos · Gurugram, Haryana, India

FootprintsCALYPSOMurexOracle Financial Services Revenue Management and Billing (ORMB)GTSCIB+5

AML, KYC, CDD & EDD Compliance (FCC)

Promoted

Jul 2023 – Aug 2024 · 1 yr 1 mo · Gurugram, Haryana, India

Key Responsibilities | AML, KYC, CDD & EDD Compliance
Performed risk-based AML Client Due Diligence (CDD) and Enhanced Due Diligence (EDD) for new and existing clients in accordance with regulatory and firm policies.
Assessed KYC risk ratings and applied appropriate CDD / EDD measures based on client type, geography, products, and transactional risk.
Identified, verified, and documented Ultimate Beneficial Owners (UBOs), including complex ownership and control structures.
Conducted PEP screening, sanctions screening, and adverse media screening using approved AML screening tools.
Initiated and maintained AML, sanctions, and Anti-Bribery & Corruption (ABC) risk assessment files for engagement teams.
Liaised with business, risk, and engagement teams to collect, validate, and remediate KYC, CDD, and EDD documentation.
Ensured end-to-end AML case management, including timely completion and closure of CDD / EDD cases within defined SLAs.
Performed detailed AML risk assessments, identifying financial crime risks related to sanctions, PEP exposure, UBO complexity, and adverse media.
Monitored and reported AML/KYC case status, aging, and progress using internal case management tools.
Escalated high-risk AML, sanctions, PEP, and EDD findings to KYC Quality Reviewers and project managers with recommended remediation actions.
Ensured compliance with global AML regulations, firm risk management frameworks, and regulatory expectations.

AML/KYC FCCAttention to DetailAnti-Money LaunderingClient OnboardingCalypsoCustomer Due Diligence (CDD)+29

Transactions monitoring investigation officer- Tier 1 & 2

Jul 2023 – Oct 2023 · 3 mos · Gurugram, Haryana, India

SWIFT Payments Specialist

Oct 2022 – Jul 2023 · 9 mos · Gurugram, Haryana, India

SWIFT Payments Specialist | Financial Crime & AML Operations
Investigated SWIFT Tier-1 payment screening alerts, identifying false positives and recommending release or escalation.
Conducted independent reviews of payment alerts to assess true match vs. false match in line with AML policies.
Reviewed and actioned “Release Requested” alerts prior to final disposition.
Escalated complex or potential risk cases to Tier-2, including wire stripping and sanctions matches.
Ensured timely alert resolution within SLAs, including RTGS cut-off timelines.
Performed sanctions screening on individuals, organizations, vessels, and transaction data using World-Check.
Worked across SWIFT ISO 15022 (MT) and ISO 20022 (MX) messaging queues, including cross-border and domestic payments.
Screened transaction details against PIE data using screening tools to identify sanctions and AML risks.
Maintained high accuracy, quality, and productivity in fast-paced, high-volume environments.
Prepared and maintained SLA, EOD, QA, and production MIS reports.
Supported QA reviews, addressed feedback, and ensured adherence to SOPs and regulatory updates.
Conducted peer reviews across SWIFT cross-border and domestic payment queues.
Ensured compliance with OFAC, FinCEN, BSA, and USA PATRIOT Act (314a/314b) requirements.
Collaborated with onshore QA and internal stakeholders to resolve SOP clarifications and process discrepancies.