Divya M

• Ensured compliance with Anti-Money Laundering and Know Your Customer standards through document review.
• Flagged potential discrepancies in AML and KYC compliance.
• Collaborated with multiple departments to address discrepancies regarding customer data.
• Prepared detailed documentation for all KYC reviews performed, including records of all customer interactions.
• Evaluated client information from multiple databases.
• Conducted comprehensive investigations to authenticate customers' identities, backgrounds, and fund sources.
• Examined alerts flagged by automated monitoring tools for suspicious financial transactions.
• Created recommendations for enhancing AML and KYC controls.
• Oversaw customer accounts for irregular activities.
• Monitored updates in international financial regulations to assess effects on AML and KYC procedures.

Optimized workflow procedures in Process Flow.

Managed KYC process workflow tailored to clients' risk ratings.

• Conducted evaluations for low-risk customers every five years.
• Conducted comprehensive reviews for customers categorized as medium-risk every three years.
• Conducted comprehensive reviews for customers categorized as high-high, high medium, and high-low level assessments annually.

KYC is also on the following reasons-periodic review, client refresh, MCE(Material change event) and Uplift.

We prepare the KYC Documents containing the following information :

Client identification: where the customer’s name, address, ph num, mail id, country of residence, country of citizenship, means of id are verified with the help of Lexis Nexis.

Client profile: where the customer occupation, source of income annual income and annual compensations are verified. If this information is not available, it will be requested from Relationship Managers (RMs).

Members sections: where the POA’s and Beneficiary owner details docs are uploaded as obtained from client through RMs.

AML and Screening Sections: 2 types of screening done-Citi Screening and Factiva(World check compliance) to identity any negative or adverse media new and migrated through identifiers (like name, age, dob and cross match)

PUP sections: Transaction are pulled with the help of Eclipse and concierge and reviewed to identity if there is any threshold breach, cross border wires, high risk countries transactions, BIP(Business in personal acc) is carried out.

• Performed transactional monitoring, fraud reviews, and KYC quality checks in SME role.
• Facilitated training sessions for new employees on company policies and procedures.
• Evaluated needs of departments and delegated tasks to optimize overall production.
• Identified areas of improvement in operational processes and procedures within SME.

• Worked as Senior Analyst specializing in KYC/AML at Standard Chartered and TCS.
• Moved as direct employee to Standard Chartered from TCS based on the performance.

• Role in AML:
• AML Work profile: Alerts gets generated based on deduction scenarios and different levels of checks are carried out to identify the persons involved in fraudulent activities
• Preparation of EDD (Enhance due diligence) form is the primary step
• Alerts are downloaded with the help of Norcom, Detica and ECM Module and Analysis of transactions are done and EDD is prepared for the First 6 counterparties with whom the major portion of the transaction are carried out
• The counterparties line of business, address will be verified with the help of public domain and any adverse media or negative news are identified with the help of Accuity (world check) and mitigated if not related and case will closed
• If they are related then RFI will raised and further info will be requested about the client or the cases will be escalated for raising SAR (Suspicious Activity Report)
• Then checks will be done to identify the red flags (like inconsistent domicile, PEPs involved, repatriation of funds, round dollar transactions, structuring, etc.), and then the same will be mitigated, and a conclusion will be prepared.
• Role in KYC:
• Here my role is senior quality analyst checking the below details are properly carried in preparing a KYC document
• KYC process work flow-KYC is prepared for the clients based risk rating
• Customers are categorized into 5 types: For low risk customers-once in 5 years, For Medium risk customers- once in 3 years, For High high, high medium and high low-once in a year
• KYC is also on the following reasons-periodic review, client refresh, MCE(Material change event) and Uplift
• We prepare the KYC documents containing the following information: client identification, where the customer’s name, address, phone number, email ID, country of residence, country of citizenship, and means of identification are verified with the help of LexisNexis.
• Client profile: where the customer occupation, source of income annual income and annual compensations are verified
• If these information’s are not available will requested from Relationship managers(RMs)
• Members sections: where the POA’s and Beneficiary owner details docs are uploaded as obtained from client through RMs
• AML and Screening Sections: 2 types of screening done-Citi Screening and Factiva(World check compliance) to identity any negative or adverse media new and migrated through identifiers (like name, age, dob and cross match)
• PUP sections: Transaction are pulled with the help of Eclipse and concierge and reviewed to identity if there is any threshold breach, cross border wires, high risk countries transactions, BIP(Business in personal acc) is carried out

• We give a platform to our clients to market their funds
• Lot of information will flow into our system- about New Fund launches, rebranding, Objective changes,etc
• Once the funds have started to price in the markets, we publish the funds on our platforms/websites
• Requesting Clients for Funds information- Registered for Sale in, Legal forms , launch dates, Where the funds are focusing i,e, the geographical focus (the area of investing), In what instruments into investing- Whether shares, bonds, Money market instruments, whether it is using Hedge strategies, real estate, natural resources, etc, whether the investors are Retail/ Institutional investors, whether the fund is complying to any legal body like IMA,ABI,AIC,etc
• We categorize data accordingly and Dealing with Corporate events like- Mergers, acquisitions, Closures, Name changes