Harshvardhini G K

• Supervise a team of 7 analysts monitoring real-time transactions for AML compliance and suspicious activity.
• Review escalated alerts and ensure investigations meet internal and regulatory standards.
• Provided coaching and performance feedback to analysts on alert handling and investigation quality.

Roles & Responsibilities

• Conduct investigative review and analysis in support of company's BSA/AML regulatory compliance policies and program including investigating automated alerts from our transaction monitoring systems, and referrals sourced from law enforcement requests and other company lines of business.
• Analyze transaction activity and KYC information and conduct due diligence research in support of investigations as well as interpret evidence from external tools and systems to determine the legitimacy of customer behavior across multiple products.
• Maintain detailed documentation to demonstrate compliance with regulations and internal policies and procedures.
• Decide whether activity warrants escalation for additional review and subsequently recommend whether activity appears suspicious and warrants filing of a suspicious activity report.

• Conduct detailed reviews and analyses of daily transaction reports to identify and escalate suspicious activities in compliance with AML regulations.
• Utilize data analytics tools and software to track, monitor, and investigate high-risk transactions, ensuring adherence to internal policies and regulatory guidelines.
• Collaborate with cross-functional teams, including compliance and fraud investigation units, to address identified issues and implement corrective actions.
• Prepare comprehensive reports detailing findings and recommendations for management and regulatory authorities as needed.
• Prepare Suspicious Activity Reports (SARs) and ensure timely submission to relevant authorities.

• Expertise in swift message types related to payments & investigations - MT103, MT202, MT202 cov, MT 200, MT203, MT199, MT191, MT192, MT195 & MT196.
• Investigating and resolving return of funds received from correspondent and beneficiary banks and initiating payment reversals remitting banks using PEGA/CIA application.
• Effectively communicate with CSR and resolve complex business operational issues.
• BNY Mellon acts as sender correspondent which receives wires from ordering institutions and remitting banks those maintains Nostro account.
• Payments which doesn't have correct routing information falls as Non-STP in repair queue and these payments need to be routed correctly at final level of verification.
• OFAC scanning done for all the outgoing wires to check whether there is a hit. If we found a hit, we will send those to OFAC HITS team to check whether its an true or false hit.

• Process and monitor SWIFT payments, ensuring accuracy and timely execution of cross-border transactions.
• Investigate and resolve payment discrepancies, returns, and rejected transactions, including tracing lost payments.
• Ensure compliance with SWIFT guidelines, AML regulations, and international payment standards.
• Collaborate with correspondent banks and financial institutions for smooth transaction processing and dispute resolution.
• Perform reconciliation of Nostro/Vostro accounts and maintain transaction accuracy.
• Implement process improvements to enhance payment efficiency and reduce operational risks.

• Conduct comprehensive KYC reviews for new and existing clients to ensure compliance with regulatory requirements
• Analyze complex customer information, including identification documents, beneficial ownership structures, and transaction patterns to assess risk levels.
• Updated and maintained client records in the KYC database and ensured data integrity and accuracy.
• Collaborate with compliance teams to identify and escalate suspicious activities for further investigation.
• Participated in training sessions on regulatory changes, KYC policies, and software tools used in the KYC process.