Bidisha Bej
Bengaluru
Summary
Results-driven Regulatory Operations Analyst with Deutsche Bank, skilled in Enhanced Due Diligence and KYC verification. Successfully streamlined payment processes, improving turnaround time and compliance with OFAC regulations. Proven ability to manage client relationships and collaborate effectively with cross-functional teams to achieve operational excellence.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Regulatory Operations Analyst
Deutsche Bank
Bangalore
04.2021 - Current
- Being an Embargo Filtering Approver in the review release team, I am responsible for the investigation of payments as per guidelines made by AFC (Local or Global).
- Filter out transactions against risk countries, organizations, and individuals, managing, and actively monitoring swift payment flows (incoming and outgoing).
- Performing a review and release for all incoming and outgoing payment messages in Deutsche Bank against the sanctions lists provided by Deutsche Bank, in compliance with proper quantity and quality of processing, is maintained.
- Proposing the Good Guys to increase straight-through processing and decrease turnaround time.
- Maintaining the cut-off time, the agreed turn-around time of the process, adhering to laid-down procedures and policies, and ensuring that the established service standards are met.
- Performing 4-eye check on the payment transactions reviewed by the reviewer group, need to make sure to carry out all the SOD(Start of the day) and EOD(End of the day)functions as per the checklist and maintaining the relevant records
- Handling the checklists for the filtering instances to ensure all the set cut-offs are met
- Need to review and share process mailbox and action all the emails related to clients’ queries and escalate wherever necessary and work closely with compliance and legal team to ensure the deadlines are being met
- Maintain the highest possible regulatory standards of quality by ensuring all the bank OFAC and ROW policies and procedures are adhered
- Managed relationships with external vendors providing essential services or supplies.
- Performed data analysis to identify opportunities for streamlining processes through automation.
Banking Officer
Bank Bazar.com
Bangalore
08.2018 - 04.2019
- Verifying KYC documents for personal loan applications for multiple banking partners.
- Verifying the applicant's details minutely and informing them of the KYC documents required to process the loan application.
- Verifying the documents provided by the applicant, such as payslips and salary certificates, and identifying them correctly.
- Oversaw the processing of loan applications, from initial review to final approval and disbursement.
- Evaluated member's creditworthiness for new services.
- Verified accuracy of documents related to loan processing activities.
- Processed loan applications, evaluated creditworthiness, and approved or denied loans.
Business Analyst
Xiphias Immigration Pvt. Ltd
Bangalore
05.2016 - 04.2017
- Collaborating with the sales team in terms of sales conversions, business processes, and end-user operations.
- It includes daily MIS on the immigration process, back-end delivery of assessments on visa and immigration prospects to the end user.
- Dealing with clients interested in overseas PR and business visas.
- Daily responsibilities include preparing MIS of customer inquiries, consistently prospecting, pursuing, and closing new business, developing prospect lists, and executing pre-determined targeted sales to generate new business, cold calling, proactively seeking new avenues to attract prospective clients, and marketing top candidates to clients.
- The ability to sell to various levels of management, gain prospective new clients, and build client relationships will have an added advantage.
- Provide guidance and support to businesses on regulatory procedures; ensure internal compliance with regulatory requirements; prepare submissions and filings with regulatory bodies
Education
MBA/PGDM - Marketing Management
Indira Institute of Management
Pune, Maharashtra07-2015
Bachelor of Arts - Arts & Humanities
Calcutta University
Bhawanipur Education Society05-2013
Skills
- Enhanced Due Diligence
- OFAC (Office Of Foreign Asset Control)
- Client Onboarding
- AML (Anti Money Laundering)
- Embargo Filtering (Hotscan)
- KYC verification
- SEPA messaging Structure & payment Flow
- Transaction monitoring
Certification
1. Fraud Investigation - ACAMS
2. AML Foundations for Cryptoasset and Blockchain - ACAMS
Timeline
Regulatory Operations Analyst
Deutsche Bank
04.2021 - Current
Banking Officer
Bank Bazar.com
08.2018 - 04.2019
Business Analyst
Xiphias Immigration Pvt. Ltd
05.2016 - 04.2017
MBA/PGDM - Marketing Management
Indira Institute of Management
Bachelor of Arts - Arts & Humanities
Calcutta University
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