Joyal Jose
Bengaluru
Summary
Dynamic FinCrime Analyst with expertise in customer due diligence and KYC compliance at Revolut Technologies. Proven track record in risk mitigation and analytical investigations, successfully identifying red flags and ensuring regulatory adherence. Adept at decision-making and quality analysis, contributing to enhanced operational efficiency and compliance standards.
Overview
4
4
years of professional experience
Work History
FinCrime Analyst (Core)
Revolut Technologies India Private Limited
Remote
01.2024 - 05.2025
- Performed due diligence reviews on new customers prior to onboarding them onto the system. Performed a comprehensive validation of the SOF and SOW of the onboarding clients.
- Reviewed customer documents to ensure they meet the Anti-Money Laundering and Know Your Customer requirements.
- Conducted due diligence reviews for client adoption, and provided comprehensive feedback on pending requirements.
- Monitored transaction history to identify red flags. Escalating the case when multiple red flags are identified.
- Investigated alerts generated by automated monitoring tools for potential money laundering activity.
- Performed sanctions, adverse media, and PEP searches for users.
- Achieved queue management, service level agreement (SLA), and quality targets. And supporting the team as a subject matter expert.
AML KYC Management Trainee
GENPACT INDIA PVT LTD
Bengaluru
09.2021 - 12.2023
- Performing due diligence checks on the clients, reviewing KYC documentation, performing the risk assessment of the client, liaising with the business/compliance, advising on KYC requirements, and signing off on new client adoptions.
- Performing client onboarding for U.S. and rest of the world customers on the basis of risk.
- Conducting adequate research on charities to ensure that the charity is available on the regulatory list, depending on the country or region.
- Verifying KYC documentation of the clients to be adopted or reviewed.
- Managing the investigative process from the initial findings/detection stage to the disposition stage, and ensuring effective identification and monitoring of suspicious activities while onboarding the client.
- Conducting exhaustive checks on sanctioned entities and individuals, and acquiring relevant profile and transaction details from primary and secondary data sources using the internal tools, applications, and open internet websites.
- Ongoing monitoring of clients includes screening and dismissing alerts on sanctions, Politically Exposed Persons (PEP), and Adverse Media (AM) hits, quality check (QC), and SME support to the production team, and managing prioritization and assessing risk to ensure timely escalation.
Education
MBA - Marketing and Human Resources
Justice K S Hegde Institute of Management
Nitte, Karnataka01.2021
Bachelor of Commerce -
Alvas Degree College
Moodubidri01.2019
Skills
- Customer due diligence
- PEP and sanction screenings
- Analytical and investigative skills
- Risk mitigation
- Quality analysis
- Decision making
- Adverse media review
- KYC compliance
- Risk assessment
- Regulatory compliance
https://www.linkedin.com/in/joyal-jose-003926112/
Languages
English
First Language
Hindi
Beginner
A1
Malayalam
Beginner
A1
Timeline
FinCrime Analyst (Core)
Revolut Technologies India Private Limited
01.2024 - 05.2025
AML KYC Management Trainee
GENPACT INDIA PVT LTD
09.2021 - 12.2023
MBA - Marketing and Human Resources
Justice K S Hegde Institute of Management
Bachelor of Commerce -
Alvas Degree College
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