Disha Jeswani

• Providing dedicated and robust KYC expertise throughout the refresh process, ensuring compliance with UK and global financial regulations.
• Using expert KYC knowledge, communication, and problem-solving skills to analyze KYC information provided by clients or sourced from the public domain for a broad range of entities, including private companies, trusts, sole traders, charities, PLCs, and funds.
• Taking responsibility for maintaining a high standard of accuracy during all stages of client reviews, working towards 'right first time' objectives, and resolving issues that may threaten remediation and refresh cycle timelines or client satisfaction.
• Proactively working towards deadlines to resolve complex and high-priority cases, utilizing strong communication skills to interact professionally with internal and external stakeholders.
• Using strong time management skills to complete complex, business-critical tasks within pressured timescales, ensuring the KYC team is meeting all target SLA's and providing efficient client service.
• Collaborating with various departments, including RAU, Coverage, Screening, and forums, to ensure seamless completion of refresh cases.
• Ensuring the completion and maintenance of all regulatory KYC documentation for clients in alignment with the bank's guidelines and compliance standards.

• Conducted periodic reviews of individuals and entities such as trusts, corporations, foundations, and partnerships.
• Understood documents required to conduct reviews and took ownership of pending reviews, ensuring follow-ups were completed and actions were recorded accurately and in a timely manner.
• Provided guidance to less experienced AML/JKYC/Prevention support staff. Understood ultimate beneficial ownership, nature and purpose of business, involvement of PEPs, sources of funds, and sources of wealth to ensure the bank remained protected from client-related risks.
• Conducted public searches, keyword searches, and string searches for due diligence purposes.

• Checked income, credit history, debt ratios, and savings to ensure compliance with specific loan and client guidelines.
• Calculated and verified DTI, HTI, and LTV, including the calculation of various types of income such as wages, self-employment, and rental income.
• Reconciled borrowers' debts and liabilities and analyzed various asset documents.
• Worked on purchase and refinance loans in accordance with Fannie Mae and Freddie Mac guidelines.

• Conducted customer due diligence (CDD) and enhanced due diligence (EDD).

• Focused on ongoing monitoring, PEP identification, sanctioned country reviews, and negative/adverse press screenings.

• Prevented, detected, and investigated incidents of fraud and disputes associated with customers.

• Maintained understanding of money laundering and terrorist financing issues, as well as the bank's policies, procedures, and regulations.