J NISHA CAPRIATI
Senior AML Analyst
Chennai
Summary
I am a results-driven Senior AML & KYC Analyst with extensive experience in risk assessment, fraud detection, and transaction monitoring. With a proven track record in identifying financial crime, conducting in-depth due diligence, and ensuring regulatory compliance, I specialize in detecting suspicious activities and executing enhanced due diligence (EDD). Leveraging strong analytical skills, I focus on mitigating financial risks, strengthening compliance frameworks, and optimizing operational efficiency.
Overview
8
8
years of professional experience
5
5
years of post-secondary education
Work History
Business Process Lead (Project: ABN Amro Bank NV)
Tata Consultancy Services
Chennai
05.2023 - Current
- Conducted remediation and periodic reviews for new and existing business entities to detect illicit activities, prevent money laundering, and counter terrorist financing (CTF).
- Maintained compliance with FATF, OFAC, EU AML Directives, and FinCEN to reduce financial crime threats.
- Performed risk assessments on 130+ client profiles, examining ownership structure (UBO), business activities, PEP status, adverse media, sustainability factors, source of funds/wealth, geographic exposure, and tax integrity/evasion.
- Ensured 100% conformance to CDD standards and conducted EDD on high-risk customers by assessing red flag indicators.
- Monitored 5,000+ transactions weekly using a risk-based approach to identify unusual patterns and geographic concerns.
- Prepared and filed STRs and SARs to regulatory authorities, ensuring accurate and timely reporting.
- Screened 2,000+ customers against sanctions lists, watchlists, and PEP databases, ensuring compliance with AML regulations.
- Investigated 800+ alerts, analyzing adverse media for potential fraud, corruption, and money laundering.
- Reduced case backlog by 40% in six months through enhanced prioritization and process improvements.
- Led a team of 10 analysts, elevating productivity by 25% while maintaining 80% quality accuracy as a Quantity & Quality Owner.
- Developed and coached junior analysts, strengthening knowledge retention and adherence to AML best practices.
- Optimized processes through lean management, increasing efficiency by 30% and eliminating bottlenecks.
Deputy Manager Operations
Kotak Life Insurance
Chennai
11.2016 - 01.2023
- Processed 300 new business proposals monthly by conducting CDD, verifying KYC documents, and underwriting over 200 applications to assess risk and determine eligibility.
- Reviewed 200+ incoming customer documents, analyzed policies and procedures for new client registrations, and conducted EDD on high-risk cases flagged due to red flags.
- Identified discrepancies in documentation and escalated 10+ fraud cases per month to senior management for further investigation.
- Resolved 90% of customer queries in the first interaction, reducing complaint resolution time by 30% through process improvements and proactive follow-ups.
- Processed 20 claims monthly, ensuring accurate and timely adjudication in compliance with policy guidelines.
- Surpassed revenue targets by 80% through effective business retention strategies.
- Led multi-branch operations, managing a team of 8 to drive growth while optimizing budgets and cutting operational expenses by 75% without compromising quality.
Education
Masters of Business Administration - HR & Finance
Jeppiaar Engineering College
Chennai 04.2014 - 06.2016
Bachelor of Science - Mathematics
M.O.P Vaishnav College Of Women
Chennai 04.2011 - 03.2014
Skills
- Risk Assessment
- Fraud Analysis
- Transaction Monitoring
- Sanctions Compliance
- Suspicious Activity Reporting (SAR)
- Financial Crime Detection
- Know Your Customer (KYC)
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- Counter-Terrorist Financing (CTF)
- Politically Exposed Persons (PEP) Risk Assessment
- Screening (Adverse Media, PEP, and Sanctions)
Accomplishments
- Outstanding performer award, January 25
- Outstanding performer award, October 24
- Star performer award, August 24
- Best performer award for both the quarters of Q2 & Q3, 2023
- Was awarded with a green light status in Jan 2023.
- Service specialist award, 2018
Technical Knowledge
Proficient in MS PowerPoint, Advanced MS Excel (Pivot Tables, Conditional Formatting, VLOOKUP & HLOOKUP, Scenario Analysis, COUNTIF), and MS Office Suite.
Certificates
Licentiate in III exam
Timeline
Business Process Lead (Project: ABN Amro Bank NV)
Tata Consultancy Services
05.2023 - Current
Deputy Manager Operations
Kotak Life Insurance
11.2016 - 01.2023
Masters of Business Administration - HR & Finance
Jeppiaar Engineering College
04.2014 - 06.2016
Bachelor of Science - Mathematics
M.O.P Vaishnav College Of Women
04.2011 - 03.2014
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