Abhinav Kumar

• KYC and Client Verification: Conduct quality checks on manually onboarded individuals by verifying personal documents (e.g., passports, national ID cards, proof of address) to confirm identity.
• Implement process improvements to enhance efficiency and accuracy in deliverables.
• Ensure compliance with AML/KYC regulations, staying updated on local and international standards.
• Review and analyze client transaction history for red flags or unusual patterns, reporting suspicious activities through Suspicious Activity Reports (SARs).
• Screen individuals against global sanctions lists and databases (e.g., OFAC, UN) to confirm they are not involved in illicit activities.
• Perform verification for customers in Comprehensively Sanctioned Jurisdictions and manage legal risks associated with sanctioned individuals.
• Conduct duplicate ID control verification as part of Customer Due Diligence to mitigate money laundering and terrorism financing risks.
• Reverify individual customers for various triggers (e.g., incorrect information, change in legal name, relocation to high-risk areas).
  Monitor individual profiles with material errors for 20 business days, reporting breaches and managing exits from processes as necessary.
• Collaboration and Reporting: Collaborate with compliance, legal, and risk management teams to address AML/KYC concerns arising during due diligence checks.
  Prepare detailed reports on due diligence findings, identified risks, and mitigation steps taken.
• Regulatory Compliance and Best Practices: Stay informed on KYC and relevant regulations, integrating changes into due diligence processes.
• Provide training and guidance to new team members on AML/KYC regulations and best practices, fostering a collaborative culture.
• Ensure due diligence practices align with industry standards and regulatory requirements.
• Maintain accurate records of all due diligence activities for internal audits and inspections.

Performance Metrics:

• Ensure accuracy and completeness of KYC checks and reports.
• Identify and resolve high-risk or flagged cases promptly.
• Meet deadlines for due diligence reviews.
• Track the number of appropriately filed SARs.
• Maintain up-to-date records for audits and inspections.
  

• Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk, while maximizing profitability.
• Ensured loan submittals met internal and external eligibility requirements.
• Gained extensive experience in underwriting FHA, VA, and Fannie Mae loans.
• Maintained meticulous attention to detail in underwriting mortgages.
• Evaluated the financial strength of borrowers to determine risk and repayment capacity.
• Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.
• Maintained compliance with lending, underwriting, and government requirements.
• Demonstrated excellent follow-through with borrowers, loan processors, loan originators, and management throughout all phases of the underwriting process.

• Collaboration and Software Development: Worked with cross-functional teams to design, test, and implement high-quality software solutions for clients.
  
• Sprint Planning and Task Management: Participated in sprint planning sessions, estimating task complexity, and prioritizing work items effectively.
  
• Performance Optimization: Enhanced application performance by optimizing algorithms and data structures.
  
• End-User Training: Developed well-structured training materials for end-users to facilitate seamless adoption of new software features.
  
• API Integrations: Managed API integrations and web services to ensure smooth functionality and data exchange.
  
• Component Development: Worked on Lightning Web Components (LWC) and Aura Components to create dynamic user interfaces.
  
• Workflows and Triggers: Developed workflows and triggers to automate processes and improve system efficiency.
  
• Customer Engagement: Engaged with customer operations managers to identify issues and areas for potential improvement.
  
• Technical Design Support: Provided support for business needs through comprehensive technical design documentation.
  

• Fulfill MIS and system requirements on major initiatives geared towards achieving profitability targets internally within collections or cross-functionally where collection inputs are required
• Produce daily, weekly and monthly sales performance reports that will be used by leadership to manage performance and productivity
• Proactively support portfolio action/management initiatives
• Effective use of available tools and technology to continually enhance strategy and execution
• Work for MIS and system enhancement to explore ways to improve overall collections data gathering, generation and analyses
• Mainly worked for LM MIS Reporting (Loss Mitigation Management Information System), Workforce Management (WFM).