JYOTI CHAWAN

Checker | SME (Subject Matter Expert) | L1 L2 investigator.

• In depth analytical Knowledge on various types of alerts received from Name List Screening.
• Conducted thorough investigations on various types of alerts on client senior managers, legal representatives, authorized signatories, UBOs, IBOs, guarantors, underlying principals, and third parties to accurately identify financial crime, sanctions, and reputational risks.
• Timely alert processing across Advers Media (ADM), Politically Exposed Person (PEP), Internal Watchlist (INT), and Sanction and Embargos (SAE) in compliance with globalAnti-Money Laundering policies.
• Analyzed and dispositioned screening alerts by evaluating KYC identification and verification parameters, determining true positive and false positive matches while ensuring adherence to AML/KYC policies and regulatory requirements.
• Conducted additional external research from customers' commercial registries, company websites, regulatory bodies, etc. and documented the same in the client profile.
• Identified and escalated confirmed true matches to the appropriate team for further detailed investigation and appropriate action.
• Coordinated with Relationship Managers, Anti-Financial Crime (AFC), AML compliance, and internal outreach teams.
• Initiated Event Driven Reviews (EDR) on the clients to get new, unresolved, and amended related-party hits addressed, ensuring timely risk assessment and compliance with AFC and Business recommendations.
• Trained and coached junior investigators on investigative techniques, case analysis, and compliance procedures, while acting as an SME for escalations and complex investigations.

Customer Due Diligence Review - Corporate KYC

• Conducted Customer Due Diligence (CDD) reviews, assessing risk levels, verifying customer identities, and ensuring adherence to AML/KYC compliance requirements through detailed analysis of customer and client documentation.
• Conducted Source of Funds (SOF) and Source of Wealth (SOW) verifications to assess customer legitimacy, financial profile, and overall risk exposure.
• Monitored customer transactions and analyzed behavioral patterns to identify suspicious activities and assess potential financial crime risks.
• Analyzing and building plausibility on customer transactions, verifying customers' trading address from different available sources.
• Identifying, verifying and screening the entity and Associated parties to the customer.
• Informed the bank and the client about critical cases that needed further investigation of cases requiring attention.
• Met daily operational targets by ensuring timely submission of cases for review. by sending cases for Quality Check.

• Handled cash transactions, balanced cash drawers, and issued cashier's checks.
• Cashed customer cheques, verified identification and checked account balances in accordance with bank policy, Signature & documents verification on third party withdrawal.
• Managed internal accounts of the branch, Petty Cash management, raised branch expense bills regularly for payment.
• Maintained accurate records and bookkeeping of all cash entries for end-of-day verification.
• As a Custodian handled vault keys, stock management, regular cash and stock verification.
• Reviewed and updated clients' Know Your Customer (KYC) documentation for compliance for their seamless banking experience
• Maintained a cordial relationship with the customers by solving their bank related queries, advised them on various investment decisions as per their financial goals.
• Demonstrated expertise in identifying and mitigating potential fraud and transaction risks.
• Performed basic administrative tasks regarding banking products, including handling phone calls, inquiries and emails.

• Assisted customers with Kiosk and ATM machines to enhance user experience.
• Accepting cheques from the customer and making an entry in the system.
• Managed filing system for bank documents, ensuring accuracy and efficient record keeping.
• Addressed staff inquiries and facilitated communication to streamline operations.

• Oversaw investment funds to enhance returns for client investments.
• Selected specific investments or investment mixes for purchase by an investment fund.
• Monitored financial and operational performance of investment funds to achieve portfolio targets.
• Collaborated with diverse team members to meet goals and resolve issues related to products and services.