Amrutha N S Sesetti
KYC | AML Compliance | Credit Analyst | 9 Years in Banking Operations
Summary
Accomplished banking professional with 9 years of expertise in AML/KYC compliance, CDD, credit underwriting, and transaction monitoring. Demonstrated success in minimizing onboarding risk and optimizing compliance efficiency within fast-paced banking settings. Eager to apply extensive regulatory understanding and risk management capabilities to a collaborative AML/KYC team environment.
Overview
10
10
years of professional experience
3
3
Certifications
4
4
Languages
Work History
Credit Officer
Canara Bank - Loan Processing Hub
05.2023 - 05.2025
- Handled credit underwriting for 500+ MSME, housing, and education loans, ensuring
- Conducted comprehensive financial and risk analysis, reducing loan default rates by 18%.
- Identified and flagged 50+ high-risk profiles through KYC and EDD evaluations.
- Drafted over 400 detailed appraisal notes and credit sanction proposals with zero audit deviations.
- Ensured strict adherence to RBI guidelines, credit policy, and compliance mandates throughout the loan cycle.
- Demonstrated attention to detail, time management, and collaboration with cross-functional teams.
KYC Officer
Canara Bank - Varthur Branch
11.2021 - 05.2023
- Supervised onboarding and KYC verification for over 1,200 retail and business accounts.
- Reduced KYC remediation errors by 25% through process improvement initiatives.
- Reviewed and escalated 30+ adverse media and sanctions screening hits.
- Supported regulatory audits with 100% documentation accuracy and timely submissions.
- Applied strong problem-solving skills and adaptability under regulatory pressure.
Payments & Operations Manager
Canara Bank - Jayadeva Institute of Cardiovascular Sciences
02.2019 - 11.2021
- Processed payroll transactions for 15+ corporate accounts, ensuring 100% accuracy and compliance with payment regulations.
- Managed cross-border and domestic transactions, validating KYC, remittance documents, and tax filings.
- Supported GST reconciliation and internal audit closures with 100% compliance score.
- Coordinated with legal teams on loan documentation and fraud case investigations.
- Demonstrated organizational skills and high accountability under audit conditions.
Assistant Branch Manager
Canara Bank - Rajahmundry
09.2015 - 02.2019
- Led daily operations and supervised a team of 5+ in customer service, cash handling, and regulatory compliance.
- Processed 250+ retail loans with complete KYC validation and documentation.
- Achieved a 96% customer satisfaction score through proactive service resolution.
- Streamlined onboarding workflows, reducing new account processing time by 30%.
- Exercised analytical thinking, communication, and service orientation in client-facing roles.
Education
Bachelor of Technology - Electrical, Electronics And Communications Engineering
Jawaharlal Nehru Technological University
Kakinada, India 04.2001 -
Skills
AML & KYC Compliance
Comprehensive CDD and EDD experience
Credit risk evaluation
Regulatory compliance documentation
Fraud detection monitoring
Customer screening and onboarding
Experience with cross-border transactions
Core Banking Systems
MIS and audit collaboration
Collaborative process enhancement
Job Target
- Seeking challenging opportunities in AML, KYC, and Credit roles based in Bangalore, where I can leverage my expertise in compliance, due diligence, and retail credit underwriting
Certification
Certified AML & KYC - IIBF
Technical Skills
- MS Excel (VLOOKUP, Pivot Tables, Data Validation)
- Core Banking Systems
- MS Office & Reporting Tools
Soft Skills
- Attention to Detail
- Analytical Thinking
- Communication Skills
- Adaptability Under Pressure
- Time Management
- Problem-Solving
- Risk Mitigation
- Organizational Skills
- Team Collaboration
- Fast Learner
Accomplishments
- Awarded Best Performance for achieving the highest number of sanctioned loans in a fiscal year.
- Recognized with a Spot Award for successfully closing an RBI audit with a 'Low-Risk' rating.
Timeline
Certified AML & KYC - IIBF
06-2025
Certified in Prevention of Cyber Crimes and Fraud Management - IIBF
03-2025
Certified in IT Security - IIBF
03-2025
Credit Officer
Canara Bank - Loan Processing Hub
05.2023 - 05.2025
KYC Officer
Canara Bank - Varthur Branch
11.2021 - 05.2023
Payments & Operations Manager
Canara Bank - Jayadeva Institute of Cardiovascular Sciences
02.2019 - 11.2021
Assistant Branch Manager
Canara Bank - Rajahmundry
09.2015 - 02.2019
Bachelor of Technology - Electrical, Electronics And Communications Engineering
Jawaharlal Nehru Technological University
04.2001 -