ANINA ELIZABETH BEJOY

• Lead end-to-end Transaction Monitoring investigations, handling complex and high-risk alerts involving cross-border transactions, sanctions exposure, and ML/TF typologies.
• Act as a subject matter expert on financial crime risks including structuring, layering, mule accounts, sanctions evasion, and high-risk jurisdiction flows.
• Review and validate investigative findings to ensure accuracy, consistency, and compliance with AUSTRAC regulations and internal AML policies.
• Drafted and oversaw high-quality Suspicious Matter Reports (SMRs) ensuring regulatory alignment and clarity in narratives.
• Perform and guide teams on CDD/EDD for high-risk customers including corporates, trusts, funds, and partnerships.
• Conduct Source of Wealth (SOW) and transaction analysis to identify red flags and escalation triggers.
• Oversee sanctions, PEP, and adverse media screening reviews; support analysts in hit resolution and false positive discounting.
• Mentor and coach new joiners and junior analysts, improving investigation quality, productivity, and compliance standards.
• Perform quality checks and provide feedback to ensure adherence to SLAs, policies, and regulatory expectations.
• Identified process gaps and drove continuous improvement initiatives, enhancing efficiency and accuracy in investigations.
• Collaborated with Compliance, Risk, Operations, and Technology teams to mitigate risks and resolve cases effectively.
• Support customer exit decisions in line with AML risk appetite and regulatory obligations.

• Enhanced team performance through mentoring, knowledge sharing, and process standardization.

Tools: NetReveal, MIDANZ, Cache, Equifax, Find My Payments, IKnow, DART, World-Check.

• Achieved monthly and annual service revenue targets through strategic planning and customer-focused selling.
• Managed end-to-end sales cycles for AMC, service contracts, and after-sales solutions.
• Identified upselling and cross-selling opportunities, contributing to revenue growth.
• Built and maintained strong client relationships, driving high retention and repeat business.
• Coordinated with operations and technical teams to ensure timely service delivery and SLA compliance.
• Handled customer escalations, enhancing service satisfaction levels.
• Prepared sales forecasts and performance reports, informing strategic decisions.
• Led and mentored service sales executives to enhance productivity and achieve team targets.
• Analyzed market trends and competitor offerings to refine pricing and sales strategies.

• Managed portfolio of online trading clients, enhancing equity and F&O trading volumes.
• Achieved revenue targets by promoting margin funding, prime plans, and value-added products.
• Provided market insights, trading ideas, and platform support through ICICI Direct.
• Cross-sold mutual funds, IPOs, ETFs, and other investment products.
• Resolved customer issues promptly, ensuring high service standards and improving client satisfaction.
• Assisted clients with onboarding, KYC, demat services, and trading-related queries.
• Ensured compliance with SEBI regulations and internal policies.

• Executed equity and F&O trades for active trading clients, ensuring timely and accurate order processing to enhance client satisfaction.
• Managed a portfolio of clients by providing market insights, trading ideas, and personalized support.
• Guided clients on margins, RMS limits, order types, and trading platform functionalities, enabling informed trading decisions.
• Ensured compliance with SEBI and exchange regulations during all trading activities.
• Handled client queries related to demat, fund transfers, and post-trade issues.
• Coordinated with Research, Risk, and Operations teams to streamline processes and enhance the overall trading experience.

• Managed daily branch operations, ensuring accurate document verification, timely submissions, and adherence to compliance standards.
• Ensured compliance with SEBI, NSDL/CDSL, and internal operational guidelines.
• Processed transactions such as demat/remat requests, pledging, fund transfers, and statement issuance.
• Supported customers in demat, trading, and KYC account openings, enhancing customer satisfaction.
• Facilitated government services such as e-stamping, PAN services, and savings schemes, improving accessibility for clients.
• Maintained accurate records and reports in line with regulatory and internal audit requirements.