EV NATARAJAN

• Monitor payment gateway for the Inward/Outward traffic of Swift messages for the bank
• Review alerts/messages generated in the Payment Screening System(PSS) to ensure that any matches found are reported to Compliance and concerned business units promptly
• Pull out the relevant alerts (as per the bank's payments alerts matrix) from the work flow, review and act as per the rules / guidelines
• Conduct review on internet / Google, analyze the information and take the required action
• Send clear communications to describe the payment details, concerns and actions required
• As a maker in the overall process, review the alert and assign to checker with his / her comments on the comment box
• As a checker, able to take decision based on the review comments shared by the relevant makers.

• Review financial and trade alerts identified by the Bank's screening systems (includes real-time transaction & batch customer processes)
• Determine if the transaction or account alerts are true or false-positive matches; conduct additional investigation when necessary clearly and thoroughly document all decisions and findings with supporting rationale
• Escalate suspicious cases and/or patterns to senior leadership within Americas Sanctions Compliance and, when appropriate, other areas of the Bank such as the Financial Intelligence Unit
• Identify best practices or areas of improvement around the alert decisioning and investigations processes
• Identify and recommend list management improvements, for example, clarify handling instructions or recommend enhancements to geographic or risk-entity patterns triggering false-positives
• Conducting Sanctions and Politically Exposed Persons screening in Bridger that leads to complex investigations associated with high risk individuals, entities, vessels, sanctioned jurisdictions
• Review and assess operational impact of internally distributed Sanctions guidance; and Support general compliance activities and other duties, including special projects, as assigned.

The Primary Objective of this process is to prevent money laundering and to manage risks and Financial Frauds. It involves documentation, checks and Verification to be done.

● Verifying Identity of the Customer.

● Banking Operation: KYC/CDD & EDD

● Individual(Sole trader), Limited Companies, Partnership

● Analyzing whether the business activity is involved in High Risk.

● If there is No Risk Found in Business then We have to create the business account for the customer.

● If the Client is a Criminal or Linked with terrorist, Probably need to freeze the Account and submit a report to the authorities.

Clearing day to day queries raised by all branches in PAN India on daily basis.

Processing refund for auctioned customers and closing the loan account manually.

Manual payment updation in system for customer making payment through Billdesk (Online).

Manual payment updation in system for customer making payment through RTGS/NEFT

Reconciling all the aspects matching with bank entries and system entries.

Packet reconciliation for the branches in PAN India on daily basis.

EMI Presentation for all products (HFC, SME, HC, CV).

Ensure no issues getting highlighted in both Internal and external audits

Following up with customers for pending documents requirement.

Daily basis circulating MIS report for bounce cheques