Harshni R
Bangalore
Summary
Quick learner with strong skills dedicated to utilizing abilities to drive individual growth and contribute to the achievement of organizational objectives. Analytical and creative thinker with a unique perspective on approaching challenges, resulting in innovative solutions. Experienced in risk management, honed ability to identify and research patterns, trends, and anomalies in complex transactions. Effective at detecting and reporting suspicious activity related to money laundering, terrorist financing, and fund structuring in compliance with BSA/AML policies and procedures. Actively volunteers and takes on leadership roles in various non-governmental activities, including animal welfare camps.
Overview
6
6
years of professional experience
1
1
Certification
4
4
Languages
4
4
years of post-secondary education
Work History
Compliance Analyst
Mbanq
Remote
11.2023 - Current
- Reviewed and investigated alerts related to potential financial crimes, including fraud, money laundering, and sanctions violations.
- Conducted in-depth case investigations, analyzing transaction patterns, customer profiles, and historical data to identify suspicious activity.
- Filed Unusual Activity Reports (UARs) to the sponsor bank, providing detailed case narratives and supporting documentation.
- Monitored and reviewed OFAC alerts, clearing false positives and escalating true matches to BSA officer.
- Handled sponsor bank requests, responding to inquiries related to high-risk transactions, flagged accounts, CDD and compliance concerns.
- Processed internal referrals from various teams, ensuring timely and thorough investigations of escalated cases.
- Performed document verification for fintech platforms and business end users, ensuring the validation of business entities and their Ultimate Beneficial Owners (UBOs).
- Designed, tested, and optimized transaction monitoring rules in Unit21, leveraging historical data to fine-tune detection parameters, improve alert accuracy, and reduce false positives.
- Updated company policies and procedures regularly to align with regulatory changes, industry best practices, and new process updates.
- Conducted rule yield analysis, evaluating rule performance and making data-driven adjustments to align with evolving financial crime typologies and the organization’s risk appetite.
BSA / AML Analyst
Synapse
California
03.2023 - 10.2023
- Conducted transaction monitoring and in-depth investigations to identify unusual activity and mitigate financial crime risks.
- Reviewed transaction alerts on Hummingbird, taking appropriate risk-based actions using internal and external findings.
- Investigated and reported suspicious activity, including potential structuring, money laundering, and terrorist financing, ensuring compliance with the Bank Secrecy Act (BSA).
- Analyzed transaction data and customer profiles, identifying deviations from expected behavior and preparing Unusual Activity Reports (UARs) for potential illicit conduct.
- Performed manual KYC and SSN verification, reviewed business and individual accounts, handled OFAC sanctions screening, and resolved onboarding issues via Zendesk.
- Utilized AML tools such as Unit21, Hummingbird, CLEAR to conduct investigations and Zendesk to communicate with Platforms.
- Reviewed daily OFAC reports, analyzing soft and true matches for sanctions screening on sender/receiver transactions.
- Conducted negative news screening, external verification, and escalating potential risks for UAR filing.
Compliance Analyst
SFOX Inc
California
09.2022 - 03.2023
- Conducting EDD/CDD, annual high risk reviews on the clients based on customer’s account levels, fund limits, jurisdictions and taking account level actions
- Performing reviews and documentation on various procedures including CIQ, OFAC verifications, BSA regulations to comply with AML (Anti-money laundering) program
- Conducting thorough crypto and fiat blockchain analysis using Chainalysis on transactions to identify suspicious patterns or risk based categories like scam, gambling, high risk jurisdictions, illicit org etc
- Conducting thorough investigations on alerts for the users, performing suspicious transaction activity monitoring, case study reviews, negative news and external verification when suspicious activity is reported that may elevate SAR filing
- Stayed current with latest changes to applicable regulatory standards and company procedures
- Developed improvement and corrective action plans to bring operations in line with requirements
- Assisted with development of compliance objectives and strategies
- Direct reporting to BSA officer and assisting with identified potentially suspicious activity and implementations on program enhancement
- Worked for a project in implementing the BSA AML TRS (Travel rule) for VASPs, creating business requirement document, assisting the technical team
- Examine the data and usage of these ledgers to determine the effectiveness of the blockchain, identify areas for improvement, and develop strategies for implementing changes
- Perform daily OFAC screening, external wallet screening, first deposit CIQ verifications, investigations on (nit 31 alerts and KYT alerts
Risk Investigator ( SIV & Denied Party Sanctions)
Amazon
Bangalore
06.2020 - 08.2022
- Proactively identified and mitigated fraud in the marketplace through deep-dive investigations and trend analysis.
- Performing due diligence on the customer, investigating to identify legitimacy of documents validating them to onboard clients globally
- Investigating the legitimacy of various national documents and bank documents & validating for onboarding clients globally.
- Analyzing data and conducting in-depth investigations of accounts and reports to identify various MO trends. Implementing these insights to detect identity theft, denied parties, sanctions violations, fraudsters, and other suspicious activities.
- Performed BSA/AML and KYC reviews, sanctions screening, and investigations using LexisNexis, OFAC, and Experian to assess risks against denied entities and individuals.
- Trained and mentored new team members as an SME, leading review sessions and buddy programs.
Overseas Business Coordinator
EuroExim
Bangalore
07.2019 - 07.2020
- Creating various business development strategies
- Worked on WH CRM for sales and connecting with agents
- Creating and managing sales leads
- Helping the team create account groups within CRM
- Creating contacts of agents and Generating inquiries for shipments across the globe
- Collaborated with agents globally over calls and mails
- Proven ability to learn quickly and adapt to new situations
- Managed time efficiently in order to complete all tasks within deadlines
Technical Support Specialist
First Source
Bangalore
06.2015 - 08.2016
- Resolve product or service problems by clarifying the customer’s complaint, determining the cause of the problem, selecting and explaining the best solution to solve the problem, expediting correction or adjustment, following up to ensure resolution
- Resolving billing inquiries
- Work with clients to verify optimal customer satisfaction following support engagement and problem resolution
Education
Bachelor of Engineering - Electrical And Electronics Engineering
New Horizon College Of Engineering
Bangalore 06.2015 - 07.2019
Skills
Case Investigations & Report Filing (SARs & UARs)
Fraud Detection & Prevention
Strong Investigative & Research Skills
OFAC Sanctions Screening
Negative News & Adverse Media Screening
Enhanced Due Diligence
Regulatory Compliance (BSA, AML, FinCEN, FATF, OFAC, USA PATRIOT Act)
Compliance and Transaction monitoring
Strong Investigative & Research Skills
Know Your Customer (KYC) & Know Your Business (KYB)
Data Analysis & Risk Assessment
Adaptability to Evolving Regulations & Technologies
Crypto Compliance
Certification
International Certification in Product Management
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- Documented and optimized transaction monitoring efficiency by conducting rule yield analysis, refining detection parameters, and aligning rules with evolving financial crime typologies and the organization’s risk appetite, resulting in improved alert accuracy and reduced false positives.
- Supervised and trained a team of 11 analysts, enhancing their expertise in transaction monitoring and KYC.
- Used Microsoft Excel to develop tracking spreadsheets.
- Designed and implemented transaction monitoring rules in the monitoring system, enhancing the detection of suspicious activity and improving alert efficiency.
- Achieved 100% SLA compliance by ensuring timely review and resolution of transaction monitoring alerts, case investigations, and regulatory filings, maintaining operational efficiency and adherence to compliance standards.
Work Preference
Work Type
Full TimeLocation Preference
RemoteImportant To Me
Work-life balanceCareer advancementPersonal development programsWork from home optionFlexible work hoursPaid time offCompany CultureHealthcare benefitsTimeline
International Certification in Product Management
06-2024
Compliance Analyst
Mbanq
11.2023 - Current
BSA / AML Analyst
Synapse
03.2023 - 10.2023
Compliance Analyst
SFOX Inc
09.2022 - 03.2023
Risk Investigator ( SIV & Denied Party Sanctions)
Amazon
06.2020 - 08.2022
Overseas Business Coordinator
EuroExim
07.2019 - 07.2020
Technical Support Specialist
First Source
06.2015 - 08.2016
Bachelor of Engineering - Electrical And Electronics Engineering
New Horizon College Of Engineering
06.2015 - 07.2019