Hariharan KM
AML COMPLIANCE OFFICER
Chennai,Tamil Nadu
Summary
Well experienced Financial Crime risk officer with vast exposure in Transaction Monitoring review, STR / CTR / CWTR recommendations, good understanding of local regulations of UAE, US, UK and India region. Actively looking for an opportunity to enhance my knowledge level and bring out my best to the management.
Overview
12
12
years of professional experience
3
3
years of post-secondary education
2
2
Languages
Work History
Manager - AML Operations
Equitas Small Finance Bank
Chennai, Tamil Nadu
06.2019 - 10.2020
- Timely monitoring of alerts & cases generated by AML monitoring system (Transaction Surveillance) in line with the internal policies of the bank
- Review / Analyze the alert and ensure timely and effective disposition of the alerts
- Assist the department in audit / compliance related activities
- Assistance to other adhoc AML/KYC related activities
- Ensure compliance to all policies and procedures laid down by the bank.
Business Process Lead - AML Ops - Mashreq Bank
Tata Consultancy Services
Chennai, Tamil Nadu
08.2016 - 04.2019
- Timely review of Quality Standards of the AML Operations team to identify the risks and also ensure that the team mitigates the identified risks on time
- Ensure that team follows the SOP framed by the client and if any gaps identified the same will be escalated to the team managers
- Ensure to identify the overall performance of the team to report to the management on the quality trend of the team
- Feedbacks will be shared with the individual on daily basis to improve the quality of the reviewers
- Ensure to identify the individual performance of the team to report to the management on the quality trend of the reviewers
- Feedbacks will be shared with the individual on daily basis to improve the quality of the reviewers
- Daily dashboards will be shared with the AML OPS team & Weekly Dashboard will be shared with the client to report the quality status of the team
- Daily dashboards will be shared with the AML OPS team & Weekly Dashboard will be shared with the client to report the quality status of the team
- Monthly Report will be shared with client and TCS management to report the performance of the team
- Monthly RCSA will be performed and report will be shared with the client
- Quarterly RCSA will be performed and report will be shared with the TCS management
- Monthly discussion will be initiated with AML OPS team and Business Owners to review the progress of the team
- QC calibration will be performed with the Ops team to ensure that both quality reviewer and Ops manager are in the same side of the progress
- Appropriate training will be provided to the team to get refreshed on the process and to improve the quality of the team
AML Compliance Officer
EMIRATES NBD, Tata Consultancy Services BPS
Dubai, UAE
11.2015 - 06.2016
- Deputation to Dubai for 7 months to work with the client Emirates NBD to support their AML compliance team to manage the backlog volumes
- Monitor the transaction activity of the clients by system generated tool (FCRM) based on the set threshold
- Reviewed the transactions of ENBD customers via internal transaction monitoring system for identification of unusual activities like involvement of money laundering and terrorist financing
- Enhanced due diligence performed on customers and the counter parts who transacted with the customer inorder to identify the relationship, source of funds and the purpose of the transactions
- Negative screening will be done for the customers and related parties in internet searches and World check
- Reparing of Internal Suspicious Activity Reports for submission to the UAE Central Bank
- Have exposure on the systems like FCRM, Finacle, Lexis Nexis, Worldcheck, DCCI etc.,
Senior Process Associate
Royal Bank of Scotland Business Services Pvt Ltd
Chennai, Tamil Nadu
09.2011 - 10.2015
- Timely Monitoring the transaction activity of the clients by system-generated tool (MANTAS) based on the set threshold
- Review of alerts and cases to identify any unusual pattern involved in the transaction activity of the customer accounts
- Have an exposure on US, Europe and Middle East region customer review
- Assisting the team leaders in sending queries to country compliance team in order to request the information of the customers and non-customers for the further investigation
- Actively engaged in preparing daily MIS report & Quality report and the same has been sent to top-level management on time
- Tracking of the daily report and ensure that no SLA has been breached
- Actively engaged in the team meetings, town halls etc.,
- Gathering the KYC information of customers and determine the customer's risk in terms of propensity to commit money laundering or identity theft, acts a Peps, involved in terrorist financing activities etc,.
Analyst
Standard Chartered Bank
06.2008 - 08.2011
- Timely monitoring of alerts & cases generated by AML monitoring system (Transaction Surveillance) in line with the internal policies of the bank
- Enhanced due diligence will be done in case level investigation by monitoring the transactions through 90 days review and closely monitor pattern of the transactions by the transacting parties
- Investigate the transactions done through money remitters and in different currencies of the world in order to find out whether the transactions have been done with the intention of money laundering and terror financing
- Review the travelers Cheque issued by the bank and investigate the purpose of utilization by requesting information from various countries to identify whether the customer has utilized the cheque for genuine purpose
- Also involved in reviewing the checks which have been returned and investigate the parties involved in the Cheque, identify the reason for return and prepare an enhanced due diligence
- If any unusual pattern found then it will be reported to IMLRO.
Education
Bachelor of Commerce - B COM - Business/Commerce
Ramakrishna Mission Vivekananda College
Chennai 06.2004 - 05.2007
Certification in AML KYC - AML & CFT
Indian Institute of Banking & Finance
Chennai 01.2009 - 06.2009
Skills
Expertise in AML / CFT / TRANSACTION MONITORING
Knowledge on STR / CTR / NTR /CWTR recommendation
Exposure on US, EUROPE & MIDDLE EAST (UAE) region
Exposure in AML systems SAS,Norkom,Mantas, Finacle
Enhanced Web searching skills
Knowledge on AML Compliance approved websites - DCCI, World Check, Lexis-Nexis, D&B & Accuity
Expertise in MS Excel and Business Object
Motivated Team player
Strong trouble shooting & problem solving
Timeline
Manager - AML Operations
Equitas Small Finance Bank
06.2019 - 10.2020
Business Process Lead - AML Ops - Mashreq Bank
Tata Consultancy Services
08.2016 - 04.2019
AML Compliance Officer
EMIRATES NBD, Tata Consultancy Services BPS
11.2015 - 06.2016
Senior Process Associate
Royal Bank of Scotland Business Services Pvt Ltd
09.2011 - 10.2015
Certification in AML KYC - AML & CFT
Indian Institute of Banking & Finance
01.2009 - 06.2009
Analyst
Standard Chartered Bank
06.2008 - 08.2011
Bachelor of Commerce - B COM - Business/Commerce
Ramakrishna Mission Vivekananda College
06.2004 - 05.2007