Gopinath Mani
Chennai
Summary
Financial Crime & AML professional with 8+ years of experience in KYC, CDD, EDD, and PEP investigations within banking and financial services. Strong expertise in high-risk customer reviews, regulatory risk assessment, and global AML/CTF compliance aligned with FATF, FCA, BSA, and EU AMLD. Proven ability to handle complex PEP cases, ensure audit readiness, and meet strict regulatory timelines.
Overview
10
10
years of professional experience
Work History
Process Lead - Kyc Specialist
TCS
Chennai
05.2025 - Current
- Performed KYC, CDD, and Enhanced Due Diligence (EDD) for individual and corporate customers.
- Conducted PEP screening during onboarding, periodic refresh, and trigger-based reviews.
- Handled High-Risk PEP cases, including analysis of political exposure, geography, and transactional behavior.
- Performed Source of Wealth and Source of Funds verification to assess legitimacy of funds.
- Reviewed system-generated alerts and identified true vs false positives.
- Conducted Sanctions and Adverse Media screening using tools such as LexisNexis and World-Check.
- Prepared clear case narratives and escalation notes in line with audit and regulatory expectations.
- Application like Genie, Eboss, Ln, clear, Rdc etc
Senior Associate - Kyc
Accenture Solutions Private Limited
Chennai
10.2019 - 05.2025
- Extensive experience in managing PEP and high-risk client EDD, including SoW/SoF analysis, adverse media, and regulatory escalation.
- Risk-rated PEP customers based on geographic, product, and customer risk factors.
- Recommended enhanced monitoring, account restrictions, or exit decisions where applicable.
- Maintained audit-ready documentation with high accuracy and SLA adherence.
- Conducted Enhanced Due Diligence (EDD) on Politically Exposed Persons (PEPs) and other high-risk customers in accordance with AML regulations.
- Identified and classified PEPs, RCA (Relatives & Close Associates), and high-risk entities through sanctions and PEP screening.
- Performed in-depth risk assessments covering source of wealth (SoW), source of funds (SoF), occupation, and political exposure.
- Analyzed customer profiles involving high-risk jurisdictions, complex ownership structures, and offshore entities.
- Completed adverse media and negative news screening using reliable open-source and AML tools.
- Assessed ongoing transactional behavior to detect unusual or suspicious activity related to high-risk clients.
Junior Officer - Fraud Risk Monitoring
HDB Financial Services Pvt Ltd
Chennai
07.2016 - 04.2019
Education
Bachelor of Engineering - Electronics & Communication
Sakthi Mariamman Engineering College
Chennai, IndiaSkills
- KYC / CDD / EDD Reviews
- PEP Identification & Risk Categorization
- Sanctions & Adverse Media Screening
- Source of Wealth (SOW) & Source of Funds (SOF)
- High-Risk Customer (HRC) Reviews
- AML Transaction Monitoring (Actimize)
- Regulatory Compliance (FATF, FCA, BSA/AML)
- Alert Review & Escalation
- Client Onboarding & Periodic Reviews
Languages
- TAMIL
- English, Bilingual or Proficient (C2)
- TAMIL, Bilingual or Proficient (C2)
Languages
Tamil
First Language
English
Upper Intermediate
B2
Timeline
Process Lead - Kyc Specialist
TCS
05.2025 - Current
Senior Associate - Kyc
Accenture Solutions Private Limited
10.2019 - 05.2025
Junior Officer - Fraud Risk Monitoring
HDB Financial Services Pvt Ltd
07.2016 - 04.2019
Bachelor of Engineering - Electronics & Communication
Sakthi Mariamman Engineering College