GUNJAN NARULA
Operational Analyst- Wholesale Onboarding
Delhi
Summary
Results-driven professional with extensive experience in personal banking, specializing in back-end operations and transaction processing. Expertise in account opening, onboarding processes, and conducting periodic KYC refreshes for retail, corporate clients, and investment banking products ensures compliance and fosters customer trust. A strong commitment to delivering exceptional service and enhancing operational efficiency within the banking sector drives continuous improvement and client satisfaction. Proven ability to navigate complex regulatory environments while maintaining a focus on quality and performance.
Overview
5
5
years of professional experience
Work History
KYC Senior Analyst (Investment banking clients)
Barclays, Noida
11.2024 - Current
- Regulatory Compliance: Conduct end-to-end KYC refresh for various entities, including financial institutions (bank/non-bank), trusts, investment funds, public/listed, private, government, supranational, states, SPV, clearing corporations, and more.
- KYC Documentation: responsible for obtaining, completing, and maintaining all regulatory KYC documentation for all clients, ensuring compliance with bank guidelines and UK/global financial regulations.
- Research and Reporting: Conducting research using a variety of online sources, commercial registries, corporate databases, and other publicly available sources.
- File Tracking: Maintain detailed tracking of KYC file status and client records.
- Technical Support: Provide high-value KYC technical support to the Corporate Bank Relationship Team.
- Beneficial Ownership Updates: Verified changes in corporate structures, ultimate beneficial owners (UBOs), and shareholder information using registries and CapIQ.
- Collaboration: Work closely with sanctions, risk assessment units, MLROs, and clients to complete reviews.
- Geographical Coverage: Worked on KYC processes for the UK, the USA, France, Germany, Sweden, Italy, and Hong Kong.
- Investigations: Investigate names and accounts based on Compliance Office policies.
Operational analyst (Application support)
NatWest, Gurgaon
10.2023 - 09.2024
- Regulations & Policies: Worked on Financial Crime regulations (AML, Sanctions, Anti Bribery, and Corruption) and KYC remediation.
- Organizational Skills: Highly organized with strong time management and prioritization skills.
- Internal Procedures: Reviewed procedures, made recommendations for improvements, and implemented efficiency measures.
- KYC Process: Managed KYC remediation, on-boarding, and creation of KYC files for sign-off.
- Point of Contact: Served as the contact for KYC and reporting issues for relationship managers.
- Data Gathering: Conducted due diligence searches and recorded evidence from internal systems. Mandate: Completed mandate remediation and handled escalations for high-priority clients.
- Performed thorough research using databases, company registries, risk screening software, and public sources.
- Risk-Based Reviews: Conducted periodic refresh cycles based on client risk ratings (low & medium)ensuring proportional due diligence.
Senior Operational analyst
NatWest, Gurgaon
07.2022 - 10.2023
- Being a Subject Matter Expert, helping new joiners with their queries leading to increased efficiency and positive feedback. Effectively handling new & existing complaints of customers, leading to reduced cases of ombudsman. Delivered KYC/AML training sessions to new hires and cross-functional teams.
- Religiously working on root cause analysis and general quality control operations leading to increased effectiveness.
- Conducted regular assessments and performance evaluations to measure learning outcomes and identify areas for improvement, resulting in enhanced team productivity and efficiency.
Operational analyst
NatWest, Gurgaon
06.2021 - 07.2022
- Conducted end-to-end onboarding for retail and corporate clients, ensuring compliance with AML/KYC regulations.
- Verified customer identity using government registries, company filings, and public databases (e.g., CapIQ, LexisNexis,CAO).
- Led end-to-end on boarding for individual customers & small business customers ensuring compliance with AML/KYC regulations.
Education
MBA - Finance and Banking
Narsee Monjee institute of management studies
Mumbai, India09.2024
BBA - undefined
Trinity institute of professional studies
Delhi, India11.2020
Higher school Diploma - undefined
Crescent Public School
Delhi, India03.2017
Skills
Microsoft Excel
Microsoft Office
AML/KYC tools
Client management
Know Your Customer (KYC) onboarding & periodic refresh
Risk assessment and escalationprocedures
Regulatory frameworks: AMLguidelines
Database & registry research(LexisNexis, World-Check,Orbis, etc)
Accomplishments
Key Achievements
- Achieved 100% quality scores across all monthly KPIs for 12 consecutive months.
- Consistently exceeded monthly case targets, maintaining this performance for over 6 months.
- Delivered an average of 106–110% of target output while sustaining zero quality deviations.
- Ranked in the top 5% of team performance metrics for productivity and accuracy.
- Contributed to a 15% overall improvement in team case closure rate through consistent overachievement.
- Received formal recognition from both business stakeholders and clients for successfully completing the entity refresh, enabling the organization to resume trading operations.
Timeline
KYC Senior Analyst (Investment banking clients)
Barclays, Noida
11.2024 - Current
Operational analyst (Application support)
NatWest, Gurgaon
10.2023 - 09.2024
Senior Operational analyst
NatWest, Gurgaon
07.2022 - 10.2023
Operational analyst
NatWest, Gurgaon
06.2021 - 07.2022
BBA - undefined
Trinity institute of professional studies
Higher school Diploma - undefined
Crescent Public School
MBA - Finance and Banking
Narsee Monjee institute of management studies
COURSES
- Fraud Triage Training (2021) -Learning & Development, NatWest Academy
- Anti-Money Laundering and counter, NatWest Academy
INTERNSHIPS
- Sales Executive at Aim India Pvt. LTD, Delhi
- June 2019 — August 2019
- Gained knowledge about the industry and the working mechanism of the share market and mutual funds.
- Got to open a few accounts for the company, met the targets required.
- Made a project "Comparison of Aim India with other companies"
- Compared Aim India with its competitors via a questionnaire filled by various customers of the company.