Bhagyashree Patodi
Pune,MH
Summary
Experienced Risk & Compliance Analyst with expertise in Global KYC standards, Customer Due Diligence (CDD), transaction monitoring, KYC compliance, and customer onboarding. Skilled in analyzing source of funds, nature of business, suspicious transaction identification, and SAR/STR reporting across various corporate entities including Limited Companies, Sole Traders, Partnerships, Societies, and Trusts. Experienced in forwarding high-risk cases for Enhanced Due Diligence (EDD), conducting risk assessments, and ensuring regulatory compliance across corporate banking clients. Strong knowledge of financial crime prevention, fraud detection, and banking compliance operations.
Overview
8
8
years of professional experience
1
1
Certification
Work History
CAREER BREAK
Career Break (Maternity Sabbatical)
Pune, India
12.2023 - 06.2026
- Took a planned career break for family and maternity responsibilities while staying updated with AML/KYC compliance practices, banking regulations, and financial crime compliance processes. Now actively seeking to contribute analytical, compliance, and banking expertise in a growth-oriented organization.
Risk and Compliance Analyst (Accounting Analyst )
IBM
Pune, India
11.2022 - 12.2023
- Conduct end-to-end Customer Due Diligence (CDD) and KYC investigations for 30–50+ corporate cases per week, ensuring adherence to internal compliance and regulatory requirements.
- Perform corporate KYC remediation and customer onboarding reviews for multiple entity structures including Limited Companies, Sole Traders, Partnerships, Trusts, Societies, Clubs, and Associations.
- Analyze source of funds, nature of business, ownership structures, and customer profiles to determine customer risk classification and support risk-based decision-making.
- Monitor customer transactions and identify suspicious activities, unusual transaction patterns, and financial crime red flags, supporting timely escalation and investigation.
- Forward high-risk customer profiles for Enhanced Due Diligence (EDD) and assist in remediation and compliance closure processes.
- Prepare and maintain SAR/STR-related case documentation and investigation records to support audit readiness and regulatory compliance.
- Review customer profiles across multiple jurisdictions by assessing business operations, incorporation details, account activity, and operational exposure.
- Collaborate with internal stakeholders and branch/business teams to resolve KYC documentation gaps, reducing pending case turnaround timelines.
- Contribute to fraud risk mitigation by identifying suspicious behavior patterns and escalating potential financial crime concerns.
- Maintain high accuracy and SLA adherence while handling multiple concurrent compliance investigations in a fast-paced environment.
Clerk – Banking Operations & Compliance
Deogiri Nagari Sahakari Bank Ltd
Jalgaon, India
02.2018 - 07.2021
- Managed account opening processes and KYC verification for retail banking customers.
- Conducted ongoing due diligence activities and ensured compliance with banking regulations and internal policies.
- Prepared and maintained Suspicious Transaction Reports (STR) and Cash Transaction Reports (CTR).
- Handled CTS clearing operations, loan processing, customer transactions, and operational banking activities.
- Assisted customers with banking services while maintaining operational accuracy and service standards.
- Coordinated with internal teams to resolve documentation discrepancies and operational issues efficiently.
- Maintained high accuracy while handling multiple banking operations in fast-paced branch environments.
- Key Achievements:
- Promoted as Officer in recognition of operational efficiency and compliance-oriented performance.
- Consistently maintained accuracy and customer service standards while managing banking operations.
Education
Master of Laws - Law
North Maharashtra University
Jalgaon, India08-2021
LLB - Law
S S Maniyar Law College
Jalgaon, India05-2019
B.Com - Commerce
Adv. S A Baheti College
Jalgaon, India04-2016
Skills
- Customer Due Diligence (CDD)
- Transaction Monitoring
- Corporate KYC Remediation
- Risk Assessment & Mitigation
- Customer Onboarding
- Source of Funds Verification
- Nature of Business Analysis
- SAR / STR Reporting
- Fraud Detection & Prevention
- Financial Crime Compliance
- Banking Operations
- Suspicious Activity Investigation
- Regulatory Compliance
- Policy Implementation
- CTS Clearing
- Loan Processing
- MS Excel & MS Office
Accomplishments
- Successfully handled 500+ corporate KYC/CDD investigations annually while maintaining compliance quality standards and turnaround expectations.
- Supported timely identification and escalation of suspicious transactions and high-risk entities, strengthening financial crime prevention efforts.
- Demonstrated strong analytical and investigative capabilities in handling complex multi-entity KYC remediation cases.
Certification
- AML Essentials.. AML,KYC and Compliance
- Junior Associate of the Indian Institute of Bankers (JAIIB-2016)
- Government Diploma in Cooperation and Accountancy
( G.D.C.&A - Jan-2018)
Timeline
CAREER BREAK
Career Break (Maternity Sabbatical)
12.2023 - 06.2026
Risk and Compliance Analyst (Accounting Analyst )
IBM
11.2022 - 12.2023
Clerk – Banking Operations & Compliance
Deogiri Nagari Sahakari Bank Ltd
02.2018 - 07.2021
Master of Laws - Law
North Maharashtra University
LLB - Law
S S Maniyar Law College
B.Com - Commerce
Adv. S A Baheti College