Bhagya Sri
Hyderabad
Summary
Dynamic KYC AML analyst with extensive experience at Conduent, excelling in fraud investigation and compliance. Proven ability to conduct thorough background checks and risk assessments, ensuring adherence to AML regulations. Recognized for exceptional attention to detail and effective communication skills, driving successful outcomes in high-stakes environments.
Overview
9
9
years of professional experience
Work History
Consultant 2
Protiviti India Member Pvt Ltd
10.2023 - Current
- Contributed to a project for a U.S.-based banking client focused on their fraud risk operations process
- Processed live transaction alerts generated around the clock whenever a customer conducts a transaction deemed suspicious by the automated system
- Reviewed each alert by investigating the customer's overall profile and account history
- If no anomalous activity is identified, the transaction is authorized, and the funds are released
- In the event of any anomalous activity, alerts are escalated to the Level 2 team onshore by submitting a Suspicious Activity Questionnaire (SAQ)
- Possess extensive knowledge and experience in identifying various types of fraud, including identity fraud, synthetic fraud, online account takeover, and first-party fraud
- Worked across multiple queues, including ACH transfers, wire transfers, online account takeover alerts, and check verification alerts
AML KYC analyst
Conduent Business Services India LLP
Visakhapatnam
04.2022 - 10.2023
- Hands-on experience in conducting end-to-end KYC reviews for individual and commercial clients.
- Verify customer identity through document verification, and ensure the accuracy of the provided information.
- Conduct periodic KYC reviews to ensure customer information remains up to date and accurate.
- Good experience in performing KYC reviews for entities, trusts, and charities.
- Collect and examine required documents, such as identification, proof of address, business licenses, and legal entity documentation.
- Evaluate the risk associated with each customer based on factors such as industry, location, transaction volume, and business type.
CUSTOMER SUPPORT PERSONNEL
AP CORPORATION FOR OUTSOURCED SERVICES (APCOS)
02.2020 - 04.2022
- Company Overview: (A Government of Andhra Pradesh Undertaking)
- Work on DISHA Web Application
- Take actions on the SOS messages received at the Police Control Room
- Handle huge load of calls being received
- Keep complete track on the Dashboard
- Assigning and completing the cases timely
- Pulling out the reports and providing the daily DSR
- (A Government of Andhra Pradesh Undertaking)
AML KYC analyst
Conduent Business Services India LLP
Visakhapatnam
08.2019 - 02.2020
- Determining the due diligence requirement of the client based on the risk rating calculated by the system (EDD or CDD).
- Screen customer information against government-sanctioned lists and politically exposed persons (PEP) databases.
- Responsible for performing name screening (background checks - BGC) on clients and connected parties.
- Performing screening on the client and related parties, and analyzing the hits pertaining to our client or not, and discounting accordingly.
- Obtaining approval from the respective compliance teams when adverse media, PEP, or sanctions exposure is identified on our client or connected parties.
- Experienced in ensuring compliance with the code of conduct, in addition to all other regulatory requirements, including Data Protection, Information Security, and Anti-Money Laundering (AML) regulations.
- Responsible for accurately researching, analyzing, evaluating, and documenting Know Your Customer (KYC) information, and taking appropriate action to protect the company against the risk of money laundering activity and reputational risk.
- Collaborate with various internal departments, such as legal, risk management, and compliance, to address compliance-related issues.
- Remediating the observations (errors) identified by the Quality Assurance team.
- Conducting enhanced due diligence on high-risk customers identified during periodic reviews.
- Performing appropriate levels of due diligence on the customer based on the risk rating calculated by the system.
- Perform research via internal and external sources, gather, and analyze documentation in accordance with regulatory and KYC requirements. Verification of the client, RBOs, and legal representatives, and related parties.
- Hands-on experience in performing KYC reviews for high, medium, and low-risk customers. Reaching out to the client if the information is not available in the previous review or external searches. Sending a client information request via email.
CSE - D - PROCESSING
HSBC Electronic Data Processing India Private Limited
09.2016 - 08.2019
- Solving disputes raised by the customers by investigations which includes few of the below:
- ATM Retracted Notes - Investigation and Refund
- Denied/Fraud Transactions
- ATM Journals
- Reinvestigation Requests
- Items sent to Pre-Arbitration/Arbitration
- Scanner Reconciliation (Issuer/Acquirer Accounts)
- Locating ATM Journals
- Work in multiple queues (SSODIS, SSOREF, SSOADY, Declines, GATM Ops Emails, Adjustments, NNT's) covering a various tasks in urgency within the timescales
- Contacting account holders with branch help to verify the withdrawal fail details
- Taking quick decisions and identifying the errors occurred during the transaction at the ATM
- Responding and reviewing mails which come from our First Direct Team (FDT) and taking actions accordingly
- Raising chargebacks and dealing with the customer complaints following the procedures
- Investigating and processing refunds to the customers (if they are liable) whose withdrawals were failed
- Handling business calls whenever there is a failure in the working applications and resolving accordingly and team responsibilities as a SPOC in the absence of the Line Manager
- Reviewing performance of my colleagues as a Quality Checker and giving feedback to them accordingly
- Responsible for completion of the requests, generating monthly MI reports which are used for settling the Balances of the accounts and timely completion of EOD
- Implementing the best practices which are relevant for the betterment of the process
- Quality checker for the team's performance
- Handling the team and maintaining service quality to be delivered
- Meeting SLA targets in our day process in the given time frames
- Conducting Transaction Monitoring to deduct unusual and suspicious activities
- Active in working ADHOC Tasks assigned by business area
Education
B.Com - Computers
Vasavi Degree College
Visakhapatnam01.2016
Intermediate -
Sri Chaitanya Junior College
Visakhapatnam01.2013
S.S.C -
Sree Krishna Grammar School
Visakhapatnam01.2011
CA-IPCC -
CPE CA Academy
VisakhapatnamSkills
- Fraud investigation
- compliance
- Attention to detail
- Communication
- KYC procedures
- AML regulations
- Background checks
- Sanctions screening
- Risk assessment
- Customer due diligence
Disclaimer
I hereby declare that the information furnished above is true to the best of my knowledge and I bear the responsibility for the correctness of above mentioned particulars.
Languages
- English
- Telugu
BIO
- Age: 30
- Date of Birth: 05/18/95
- Gender: Female
- Nationality: Indian
- Marital Status: Married
Timeline
Consultant 2
Protiviti India Member Pvt Ltd
10.2023 - Current
AML KYC analyst
Conduent Business Services India LLP
04.2022 - 10.2023
CUSTOMER SUPPORT PERSONNEL
AP CORPORATION FOR OUTSOURCED SERVICES (APCOS)
02.2020 - 04.2022
AML KYC analyst
Conduent Business Services India LLP
08.2019 - 02.2020
CSE - D - PROCESSING
HSBC Electronic Data Processing India Private Limited
09.2016 - 08.2019
B.Com - Computers
Vasavi Degree College
Intermediate -
Sri Chaitanya Junior College
S.S.C -
Sree Krishna Grammar School
CA-IPCC -
CPE CA Academy
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