Experienced Sr. Business Solution Analysis Lead at Deloitte Risk & Financial Advisory with over 10+ years in the Financial Crimes Risk Managment. Specializes in KYC and Anti Money Laundering (AML) Compliance, Risk Management, and Quality Assurance. Subject matter expert on AML policies, regulations, Customer Identification Program (CIP)-Customer Due Diligence (CDD) / Enhanced Due Diligence (EDD), Transaction monitoring, Control Testing.
Overview
11
11
years of professional experience
Work History
Sr Business Solution Analysis Lead – Risk & Control
Deloitte Risk & Financial Advisory
05.2021 - Current
Lead a team of 25 professionals responsible for activities aligned with the KYC review and remediation for corporate customers.
Experienced in developing remediation plans, drafting procedures, process design & implementation.
Test effectiveness of internal controls and generated comprehensive reports on audit findings including identification of severe control deficiencies and recommendations on improvement of internal controls.
Experience in working with AML Transformation Project, In which he prepared AML Policies & Procedures for Investigation.
Implemented remediation plans for Wealth Management, Wholesale, and retail banking operations, with customer base spanning across the world.
As a KYC subject matter expert, performed CDD, EDD, transaction reviews, sanctions & negative media screenings, source of wealth due-diligence, risk review memos etc., for high and very risk clients (including corporate customers with complex entity structures).
Subject matter expert on AML policies, regulations, Customer Identification Program (CIP)-Customer Due Diligence (CDD) / Enhanced Due Diligence (EDD), Transaction monitoring and fraud detection.
Assisted multiple banks to assess the AML risk posed by their customer base by developing a customizable AML risk assessment tool that auto calculates the risk based on multiple parameters and factors.
Business Risk & Control Associate / Lead (Financial Crimes Risk/Control testing)
Wells Fargo India
06.2016 - 03.2021
Manage AML/KYC-related KPIs (key performance indicators) for the team to ensure consistency in quality and timeliness of completion.
Proactively lead, participate and develop a strong partnership with the business, through regular communication and engagement with key senior management.
To have management responsibility of a team of KYC analysts who perform comprehensive KYC checks and assessments of the bank's clients.
Performing comprehensive Client on boarding & periodic reviews of client's KYC profiles across different business industries, regions and with different risk ratings, Collecting and updating all needed information and documents in line with approved procedures for client identification.
Identifying risk factors associated with clients such as: exposure to sanctioned countries, involvement in vulnerable business activities, complex ownership structure, negative news, politically exposed persons, high risk products; initiating and managing an escalation process; obtaining relevant approvals from AML Compliance approval Team and Senior Management.
Collecting documentation in line with local and global regulatory requirements; using appropriate internal and external systems and databases (company registers, regulators, listings, Dun & Bradstreet, Bankers Almanac, Lexis-Nexis, World Check), direct contact with international corporate clients; ensuring appropriate and confidential handling and sharing of sensitive information, running negative news checks on Entities and Individuals(CEO's , Directors, PEP etc.), identify red flag situations, escalating higher risk and other AMLC situations, performing sanctions searches, Classification of clients from a risk and regulatory perspective.
Maintaining a comprehensive knowledge of all current AML procedures and internal systems related to the KYC Review Program.
Extensive knowledge of current anti-money laundering regulations, laws, policies and reporting requirements per the Bank Secrecy Act and USA PATRIOT Act.
Providing the Quality metrics for the different teams (On boarding, Periodic Refresh & Data quality exceptions) in wholesale banking to the senior management.
Lead for the initiatives COPIS, FMEA, CTQ Matrix, and RACI.
Currently managing and liaising with different teams at functional level of KYC.
Drafting escalation and escalating Negative Hits, Negative news to Fin-Crime to obtain Signoff.
Liaising with different line of business (LOB – Onshore & Offshore), including senior management regarding the KYC Refresh process and improvement process.
SME for the business transaction of the process in wholesale banking.
Pilot team member for the initiation of different processes like Cash vault, Front line monitoring and relationship Memo.
Responsible for providing Key process indicators (KPI, KRI, KCI) for the process under the wholesale banking (OB,PR,DQE,QC) to the Global delivery Risk management team.
Responsible for identifying different risks in the process and categorize the process rating.
Specialist (Financial crime surveillance unit)
Standard Chartered Global Business Services
03.2014 - 06.2016
Handling Customer based and account-based alerts, performing investigation on the transactions happened during the review period for INDIA, US Transaction Surveillance Unit.
Liaison with Relationship Managers to obtain information on business activities and financial transactions to better understand the risk exposure of the bank and document findings pursuant to KYC policies.
To provide pro-active support to Transaction Monitoring Unit (TMU) in the respective country and ensure all Group standards of conduct are followed, so as to protect and enhance the reputation of the Bank with its regulators and avoid significant financial loss.
Review of all new clients through due diligence procedures including the review of KYC documentation, public record research and AML procedures.
Escalate queries with business lines regarding source of funds, customer's background, transaction activity and recommend relationship retention or termination, and track account closures as required.
Responsible for identifying different risks in the process and categorize the process rating.
Education
Bachelor of Technology -
JNTU
Kakinada, India
04.2001 -
Skills
Risk & Controls
Certification Summary
Certified in AML/KYC Risk management professional, IIBF (Indian Institute of Banking & Finance)
Process excellence Certified
Training And Development
Trained 100+ Team members on the business transition from vendor to Client Location.
Structuring & managing teams by providing them with necessary training for AML KYC processes. Also planned training as per need analysis, refresher session and monthly process knowledge tests.
Lean Ideas And Cost Saving Projects
Mapping of Master excels to workflow tool with the SharePoint with a Cost saving of 2,000 USD$.
Backup trigger tool with a Cost saving of 29,673.69 USD$ and 1.67 FTE benefit.
Business transaction of work from vendors (EY & Deloitte) to Client (Wells Fargo).
Improving Production Availability within the process resulting in 4 FTE benefit.
Reducing the reroutes within the department resulting in 2 FTE benefit.
Reducing of Manual effort by building automated Macro for generating quality reports.
Technical Skills And Knowledge
Hands on experience in Advanced Excel with VBA macros and creation of Dashboards.
Creating Automation tools with the help Excel Macros.
Disclaimer
I hereby declare that the above written particulars are true to the best of my knowledge and itself.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
Used Microsoft Excel to develop inventory tracking spreadsheets.
Supervised team of 20 professionals.
Timeline
Sr Business Solution Analysis Lead – Risk & Control
Deloitte Risk & Financial Advisory
05.2021 - Current
Business Risk & Control Associate / Lead (Financial Crimes Risk/Control testing)
IT Audit, Governance, and Assurance Intern at Deloitte Risk Advisory – IT Assurance TeamIT Audit, Governance, and Assurance Intern at Deloitte Risk Advisory – IT Assurance Team
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.