Bala Krishnan

Supported staff throughout accreditation journeys by providing expert guidance and structured coaching.

Ensured high-quality investigations and adherence to accreditation standards.

Collaborated with the nominated office (MLRO) to streamline the accreditation journey, ensuring compliance and operational efficiency.

Prepared and analyzed monthly outcome packs, sharing insights with relevant stakeholders to drive continuous improvement.

Assisted in identifying and addressing key areas for enhancement, fostering better accreditation success rates.

Developed structured business processes to improve investigations and procedural accuracy.

Developed and refined business processes and procedures to optimize efficiency and compliance.

Collaborated with teams to align business goals with accreditation requirements, fostering a strong, supportive work environment.

Utilized analytical insights to improve operational effectiveness and accreditation success rates.

Assisted in accreditation programs, ensuring regulatory compliance and continuous improvement.

Provided mentorship and training to teams on best practices in investigations and procedural accuracy.

Strengthened operational workflows, enhancing business outcomes and staff performance.

Worked with the Change and Delivery team to support upcoming application developments and enhance operational processes.

Contributed to optimizing business operations by ensuring smooth integration of new systems and supporting staff through transitions.

• Investigating the Capital market transactions of NatWest Markets. Summary and analysis of findings in reports, relating research information and analyze data obtained through various sources by conducting searches using search engines and websites and look out for any Financial Crime Risk and Sanctions Risk.
• Conducting complete and thorough investigation of assigned AML cases through various internal and external source systems.
• Identified multiple significant cases, red flags and patterns associated with the laundering of illicit funds.
• Mapping the knowledge of the process and processing of the same including quality checking of team member’s and quality analyst work.
• Training & mentoring the staff adequately on the process
• Managing work allocations on the daily basis to enable productive outputs for all team staffs.
• Maintain quality report of team members and sharing the status to senior management

• Investigating the Correspondent Banking transactions of SCB NY. Summary and analysis of findings in reports, relating research information and analyze data obtained through various sources by conducting searches using search engines and websites and look out for any Financial Crime Risk and Sanctions Risk
• Supervised QC process (allocation, monitoring), identifying improvement areas and implementing new ideas to minimize the risk and be in line with standards of compliance.
• Part of Level 2 team to perform Enhanced Due Diligence to mitigate the risk on risk based approach and escalate the case if particular activity possess any ML / TF risks
• Leading the Request for Information (RFI) team for US, UAE, Jersey, UK, Hong Kong & Singapore.
• Engaged with country FCC team to ensure the quality of RFI and conducted training to improve to public domain search skill, identifying unusual behavior in client's account
• Being one point of contact RM/ business & FCC for effective workflow in RFI and validating the requirement of RFI

• Analyzing and validating the client’s by using KYC documents, transactional documents and screening on-boarding, existing client as per banks' AML and sanctions policy
• Work closely with all CDD functions to develop and vet new business requests in an efficient and timely manner, thereby enhancing performance, quality, and accuracy and reducing TAT
• Coordinating with the Dubai and Abu Dhabi, UK Counter-parts and processing unit for effective workflow.
• Authorizing and Quality checking of processed transactions in accordance with the Bank’s guidelines and internal policies.