Jan 2024 – Jan 2025 · 1 yr · Gurugram, Haryana, India · On-site

• Conduct review on event-driven alerts on individual & business banking customers including the mapping of the customer’s organization structure, name screening of individuals/entities.
• Conduct detail-oriented investigation to analyze the transaction pattern & trend to identify the red flags for money laundering, terrorist financing, fraud & sanctions violations, and escalate for second level review, if required.
• Conduct thorough reviews of new customers as part of know your customer/customer due diligence & enhanced due diligence process.
• Analyze customer account behavior for suspicious activity & conduct investigations on event-driven alerts. Based on investigation, refer potentially suspicious activity for escalation & account closure where appropriate.
• Prepare the information requests for the customer to provide the specific information that will allow us to better understand the nature & purpose of transaction to mitigate the risk.
• Assist with the development, implementation & ongoing maintenance of the department’s transaction monitoring guidelines.
• Collaborate with cross-functional teams to enhance AML frameworks & ensure compliance with UAE Central Bank regulations.
• Reporting of suspicious transaction or activity & raise IMLSR to further investigate that transaction or activity in detail.
• Handled team queries, floor support and coalition of team’s production data and reporting.
• Identified and resolved problems through root cause analysis and research.

Oct 2022 – Jan 2024 · 1 yr 3 mos

• Reviewing low, medium & high-risk customers by performing end to end evaluation of customer’s profile by analyzing ownership structure validation, details of associated parties, data quality review, periodic transaction review, standard due diligence & enhanced due diligence. Also, conduct document reviews to analyze whether we can accept for the purpose of identification & verification.
• Ensure ongoing due diligence efforts & KYC are maintained while identifying substantive changes to customer profiles.
• Perform adverse press checks on entity & associated parties of entity & review the articles to conclude whether the hit should be escalated or can be discounted.
• Gather information about customer’s business activities from different sources & allocate appropriate specific industry classification codes.
• Review unusual transactions (cash or international) whether it is in-line with client’s trading activities to reach the decisive approach whether the transactions are acceptable or to escalate.
• Provide required support to the team members in terms of query handling & buddy checks.
• Conduct team meetings & coalition of team’s production data along with taking pledge from team on day-to-day basis for target completion.
• Deliver training to new joiners & actively delivered shadow session to new joiners & shared my experience to make them ready to perform while having the challenges.

Jul 2020 – Sep 2022 · 2 yrs 2 mos

• Review & evaluate end to end customer’s profile by identifying & verifying UBOs, perform periodic transaction review, standard due diligence & enhanced due diligence.
• Conduct Screening/CDD/TDD reviews on customers in accordance with the Bank’s policies and procedures.
• Utilize available documents & different sources to verify the details provided by customer.
• Gather complete information about client’s trading activities & related parties in order to monitor client activities for unusual transactions.
• Be accountable to ensure robust Customer Due Diligence is in place, monitored and delivered in a timely manner.

Sep 2018 – Jun 2020 · 1 yr 9 mos

• The role includes investigation of credit cards offered by the bank under various brands & guided by & operates under the guidelines of the FCA (Financial Conduct Authority), FOS (Financial Ombudsman Services).
• Worked of revenue assurance process, where I was dealing with the matters which were certainly leading towards financial and reputational risk of the Bank.
• Analyzed the customer’s requirements on various grounds from the time policy was sold. These factors are guided by the internal SOPs.
• Did investigations whether fraud was done or not by doing extensive checks in Internal systems and then issuing chargebacks to the customer if the case moves in their favor. Where I was authorized to issue up to £25,000 chargeback to the customer.
• Decisions making with a frequent & consistent use of discretion & judgement to deliver fair outcome by taking the right decisions and retain the ownership of customer concerns.

Nov 2015 – Aug 2018 · 2 yrs 9 mos

• Investigating and handling complaints of the customers for various brands & calculating the offer amount to be paid back to the customers against Mis-Sold Payment Protection Insurance.
• Ensuring that all the transactions are processed in accordance with Regulatory and Internal Guidelines of the bank.
• Identifying any potential quality issues per defined process and escalate potential quality issues immediately to management.
• Imparted training to the required personnel including detailed training to the team members & resolved queries to have end to end resolution & timely escalation of any potential issue.
• Conducting team meetings to discuss common errors of the team & measures to be adopted to avoid such errors to improve the efficiency.
• Handled team queries, floor support and coalition of team’s production data and reporting.
• Identified and resolved problems through root cause analysis and research.

May 2014 – Jun 2014 · 1 mo · Greater Delhi Area

• Title: Design of BTL activities and other cost effective initiatives for sales campaign.
• The main objective was doing promotional activities, lead generation & customer acquisition in the retail branch of Bank of Baroda.

Aug 2013 – Aug 2013 · 0 mo · India

• Understanding customer perceptions and convincing them by pointing the benefits, the first take of marketers.