Gouthaman L

Performed end-to-end transaction monitoring for retail, corporate, and trade finance customers.

Investigated alerts related to AML, CFT, TBML, sanctions breaches, and unusual transaction behavior.

Conducted detailed analysis of Letters of Credit, Bank Guarantees, and Trade Transactions to identify discrepancies, fraud indicators, and compliance risks.

Prepared and filed Suspicious Transaction Reports (STRs / SARs) in accordance with regulatory requirements.

Ensured compliance with RBI guidelines, FATF recommendations, OFAC sanctions, and internal AML policies.

Reduced false positives by applying risk-based assessment methodologies and customer profiling.

Collaborated with Compliance, Legal, Risk, and Operations teams for escalation management.

Performed quality assurance reviews and mentored junior analysts to maintain investigation accuracy and SLA adherence.

Supported internal and external audits with zero critical audit observations.

Managed end-to-end correspondent banking operations, including Nostro account monitoring and reconciliation across multiple currencies.

Analyzed daily cash positions and ensured liquidity adequacy to support international payments.

Investigated SWIFT payment exceptions (MT103/MT202) and resolved breaks within SLA.

Performed transaction monitoring and AML reviews, identifying suspicious activities and escalating SARs.

Conducted sanctions screening aligned with OFAC, EU, and UN regulations.

Prepared financial reports and MIS dashboards for senior management.

Supported internal and external audits, ensuring zero major audit findings.

Managed Import & Export Letters of Credit, amendments, discrepancies, settlements, and closures.

Processed Bank Guarantees, Standby LCs, and Documentary Collections.

Conducted document examination under UCP 600, ISBP, and ICC guidelines.

Identified potential trade finance fraud and money laundering risks and escalated cases to AML teams.

Ensured adherence to credit, compliance, and operational risk controls.

Improved processing efficiency by optimizing documentation workflows and SOPs.

Maintained strong coordination with relationship managers, clients, and correspondent banks.