JANARDHAN RAO PENMUCH
FinCrime Specialist
Hyderabad,TS
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Work Type
Full TimeLocation Preference
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Career advancementWork-life balanceSummary
Results-driven Anti-Money Laundering and Financial Crime Compliance professional with over 16 years of experience in AML consulting, FIU investigations, transaction monitoring, fraud risk management, and regulatory compliance within global financial institutions. Expertise in risk assessments, SAR reporting, KYC/CDD/EDD processes, sanctions compliance, and cross-border investigations. Demonstrated leadership in mentoring analysts, managing stakeholders, and delivering high-quality operational and consulting work products that align with global regulatory frameworks such as FATF, BSA, the Patriot Act, and OFAC. Recognized innovator for enhancing organizational operations through strategic information systems solutions that drive growth and efficiency improvements.
Overview
18
18
years of professional experience
3
3
Certifications
Work History
FinCrime Analyst – FIU (Mid-Senior)
Revolut
07.2024 - 11.2025
- Executed end-to-end investigative workflows for complex Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) cases across retail banking and high-velocity cross-border payment corridors.
- Reviewed and dispositioned 80–120 high-risk transaction monitoring alerts per month, identifying typologies such as layering, mule networks, sanctions evasion, and terrorist financing.
- Authored and submitted 30–45 Suspicious Activity Reports (SARs) per month to multiple global Financial Intelligence Units (FIUs), maintaining a 100% filing accuracy rate and ensuring high regulatory defensibility.
- Served as a primary point of contact for Law Enforcement Agencies (LEAs), providing critical investigative support for 10+ high-priority cases triggered by proactive SAR disclosures.
- Perform EDD and BOD assessments on high-risk accounts using internal tools such as Dante and BackOffice.
- Mentored 6+ junior analysts, delivering technical guidance on complex case narratives and improving the team’s overall investigation turnaround time and SAR quality metrics.
Regional Compliance Officer – South Asia
MoneyGram International
10.2016 - 04.2023
- Led AML compliance operations across 3+ South Asian markets, covering transaction monitoring, fraud reviews, agent risk assessments, and regulatory compliance.
- Performed AML Independent Testing, enterprise risk assessments, and compliance reviews for 200+ agent locations through on-site and remote inspections.
- Documented findings in Salesforce, achieving 95%+ issue closure within SLA timelines.
- Partnered with senior leadership to embed review outcomes into the enterprise AML control framework.
- Supervised and mentored 15+ AML analysts across India, ensuring consistent investigative quality and regulatory adherence.
- Executed fraud risk assessments resulting in the suspension or termination of 50+ high-risk locations based on transactional analysis.
- Spearheaded end-to-end investigations into suspicious financial patterns, resulting in the drafting and filing of high-quality Suspicious Activity Reports (SARs) to the Financial Intelligence Unit - India (FIU-IND) in strict accordance with PMLA guidelines.
Compliance Consultant
MoneyGram (IKYA – Contract)
07.2015 - 09.2016
- Supported AML consulting engagements, including transaction monitoring reviews and regulatory gap assessments.
- Prepared compliance reports and presented findings to business and compliance leadership.
- Assisted in strengthening AML controls and monitoring frameworks.
- Conducted Field reviews for Sub Agent locations across South India
- Manual Monitoring and reporting SAR to FIU IND
Senior Analyst – AML (L2)
ANZ – SSI
06.2014 - 06.2015
- Reviewed high-risk customer activity, including PEPs and cross-border transactions.
- Investigated transaction monitoring alerts and escalated suspicious activity to MLROs.
- Supported AML risk assessments and regulatory reporting obligations.
- Investigating complex cases, determining if they are false positives or actual suspicious activity, and escalating potential money laundering/terrorist financing (ML/TF) cases to the MLRO.
- Identifying root causes of errors, sharing knowledge, and contributing to better AML/CTF processes and controls.
Quality Assurance | Team Lead | AML Executive– Financial Crime Compliance
HSBC – Payments & Cash Management - FCCI
06.2007 - 01.2014
- Conducted quality assurance reviews for AML, KYC, and transaction processing teams.
- Performed controls testing and customer due diligence reviews.
- Supported process improvement initiatives to enhance compliance accuracy and operational efficiency.
- As an AML analyst have achieved 100 % quality score for the reviews conducted and was selected for external Quality assurance team.
- Worked as an Individual Contributor and worked without supervision for creating and reporting cases to the Management.
- Supported the implementation and ongoing refinement of the financial crime risk management framework, ensuring alignment with global compliance standards and regulatory expectations.
- Prepared and filed Suspicious Activity Reports (SARs) with relevant authorities and provided clear, well-written reports and recommendations to management based on investigation outcomes.
- Conducted detailed analyses and investigations of complex potential financial crime cases, ensuring adherence to established service level agreements (SLAs) and reporting requirements.
- Spearheaded the onboarding and training of 60+ new compliance analysts, ensuring 100% readiness for operational tasks within 4 weeks.
Education
Bachelor of Commerce - Accounting And Finance
04.2001 -
Diploma - Electronics and Telecommunication
01.2006
Skills
Anti-Money Laundering (AML)
Certification
NISM (SEBI) – Certified Anti Money Laundering Manager (CALM)
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Collaborated with team of [Number] in the development of [Project name].
- Achieved [Result] by completing [Task] with accuracy and efficiency.
- Supervised team of 10+staff members.
- Achieved [Result] through effectively helping with [Task].
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Languages
English
Advanced (C1)
Software
Zendesk
Jira
Slack
Timeline
FinCrime Analyst – FIU (Mid-Senior) - Revolut
07.2024 - 11.2025
Regional Compliance Officer – South Asia - MoneyGram International
10.2016 - 04.2023
Compliance Consultant - MoneyGram (IKYA – Contract)
07.2015 - 09.2016
Senior Analyst – AML (L2) - ANZ – SSI
06.2014 - 06.2015
Quality Assurance | Team Lead | AML Executive– Financial Crime Compliance - HSBC – Payments & Cash Management - FCCI
06.2007 - 01.2014
Jai Prakash VisjwaVidyalaya - Bachelor of Commerce, Accounting And Finance
04.2001 -
SCTEVT - Diploma, Electronics and Telecommunication