Ashutosh Tiwari
Lucknow
Summary
Dynamic Banking Operations Analyst with expertise in AML/KYC compliance at HCL TECH. Proven track record in executing Customer Due Diligence and enhancing financial crime risk assessments. Skilled in sanctions screening and case investigation, while fostering strong client relationships. Committed to regulatory compliance and continuous process improvement.
Overview
7
7
years of professional experience
Work History
Banking Operations Analyst
HCL TECH
Lucknow
08.2022 - Current
- Conducted AML/KYC reviews for individual and corporate customers, ensuring adherence to regulatory requirements and minimizing compliance risks.
- Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) using a risk-based approach.
- Investigate transaction monitoring alerts to identify suspicious activity and potential financial crime.
- Analyze transaction patterns to identify money laundering, terrorist financing, sanctions, and fraud risks.
- Execute periodic KYC reviews, remediation activities, and trigger event reviews.
- Conduct sanctions screening, PEP screening, and adverse media screening using LexisNexis Risk Solutions and Nexis Diligence+.
- Review Ultimate Beneficial Ownership (UBO), Source of Funds (SOF), and Source of Wealth (SOW) documentation.
- Prepare detailed investigation summaries and case narratives that informed compliance decisions and enhanced regulatory reporting accuracy.
- Escalate high-risk customers and suspicious activities to Financial Crime Investigation and Compliance teams.
- Support continuous process improvement initiatives, enhancing quality and productivity standards within banking operations.
Assistant Manager-Sales
Kotak Mahindra Bank LTD
04.2021 - 08.2022
- Supervised account opening documentation and operational compliance, ensuring adherence to all regulatory standards and enhancing overall branch efficiency.
- Managed customer onboarding to ensure compliance with RBI regulations and internal KYC requirements, facilitating smooth integration for new clients.
- Facilitated daily branch operations by coordinating team activities and ensuring compliance with policies. and maintained regulatory standards.
- Assisted customers with banking products, ensuring accurate documentation to promote effective service delivery and customer satisfaction.
- Prepared MIS reports and monitored branch operational performance.
Relationship Manager
Edelweiss Tokyo Life Insurance Co. Ltd.
10.2020 - 04.2021
- Managed customer relationships and policy servicing to ensure timely support and compliance.
- Advised customers on insurance products aligned with financial goals, enhancing customer satisfaction.
- Conducted customer profiling and financial needs assessments.
- Ensured adherence to regulations with IRDAI regulations.
Assistant Manager-Operations (Welcome Desk)
HDFC Bank LTD
06.2019 - 09.2020
- Verified KYC documentation to ensure compliance during customer onboarding.
- Performed periodic KYC updates to maintain up-to-date customer records.
- Supported AML compliance activities.
- Ensured adherence to RBI and AML regulatory requirements.
- Categorized customers into risk segments to enhance risk management efforts.
- Escalated suspicious customer activities in accordance with internal procedures.
Education
B. Com - Accounting & Finance
Deen Dayal Upadhyay University
Gorakhpur05-2018
Advance diploma - financial accounting
Tally Academy
Gorakhpur05-2016
Certificate - END TO END AML KYC
Tally Academy
GorakhpurSkills
- Anti-Money Laundering (AML)
- Know Your Customer (KYC)
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- Transaction Monitoring
- Financial Crime Compliance
- Sanctions Screening
- PEP Screening
- Adverse Media Screening
- Beneficial ownership
- Funds sourcing
- Wealth sourcing
- Case Investigation
- Regulatory Compliance
Additional Information
Domains
- Retail Banking
- Corporate KYC
- Financial Crime Compliance
- AML Operations
- Banking Operations
Regulatory Knowledge
- FATF Recommendations
- OFAC
- RBI KYC Guidelines
- Risk-Based Approach
- AML Compliance Framework
Professional Achievements
- Achieved 99.9%+ quality score while meeting SLA targets.
- Consistently handled 20–25 AML/KYC cases per day.
- Successfully completed high-risk customer investigations involving complex ownership structures.
- Contributed to reducing review turnaround time through improved case management.
- Recognised for maintaining high compliance standards in quality audits.
Tools and Technologies
- LexisNexis Risk Solutions
- Microsoft Excel
- Microsoft Word
- Microsoft Outlook
Timeline
Banking Operations Analyst
HCL TECH
08.2022 - Current
Assistant Manager-Sales
Kotak Mahindra Bank LTD
04.2021 - 08.2022
Relationship Manager
Edelweiss Tokyo Life Insurance Co. Ltd.
10.2020 - 04.2021
Assistant Manager-Operations (Welcome Desk)
HDFC Bank LTD
06.2019 - 09.2020
B. Com - Accounting & Finance
Deen Dayal Upadhyay University
Advance diploma - financial accounting
Tally Academy
Certificate - END TO END AML KYC
Tally Academy