KALAIVANI S

In my role as an Analyst, I undertook responsibilities encompassing the execution of Know Your Customer (KYC) checks for clients, conducting Customer Due Diligence (CDD) reviews across various entity types, and meticulously analyzing customer profiles from previous reviews to discern any alterations in client information. This involved diligently recording any identified changes in the client's records to ensure comprehensive documentation for subsequent reviews.
• Follow EDD process based on the entity's risk rating & on key controllers involved with the entity and sending the same for approval from business.
• Performed Sanctions screening and PEPs identification & reviewing of adverse news hits in screening.
• Ensuring SLA is met with respect to stakeholder's requirement, by making swift turnaround & completion of assigned cases as per the TAT given
• Build and maintain healthy working relationships with team members, took active participation in monthly session which are held to address areas of improvement.
• Responsible for establishing the initial customer risk rating review for all customers.
• Identifying the Director, Secretary, Shareholders and Ultimate Beneficial Owners (UBO) of the company from the trusted sources and preparing the ADU for the clients.
• Screening the clients for investigation through World check, Lexis- Nexis and internet search.
• Escalate concerns related to Sanctioned Individual, their related parties and also if any Suspicious activity is found

• Mitigated financial risks by identifying suspicious transactions and reporting them to relevant authorities.

• Performed Annual Review / Triggered Review for the SCB based Corporate Entities, Non Profit Organizations, Specially Categorized Client (SCC) and customer exposure with sanction countries
• Performed Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) checks for the entities based on their risk rating
• Monitor the corporate transactions, purchases, their ongoing source of wealth and also initial source of wealth for the entities and individuals (if necessary)
• Identified and verified the connected parties who are involved to the entities and their ownership structure
• Ensured that all documentation and data collection are obtained and verified necessary approvals from financial crime compliance team or reputational risk team for the high risk or SCC entities
• Risk rating of the customers based on the risk assessment of customer profile including product, geography, transaction history and other relevant information
• Researched and documented evidence related to ownership of client organizations in order to comply with global legislative and internal standards
• Conducted research on clients and connected parties, including investigation of negative news in RDC and internet searches
• Performed Sanctions screening(GNSRT), PEPs identification and Web Search to find any adverse news or negative facts for the individuals and entities
• Interacted with Relationship Managers to resolve the queries through mail
• Proactively coordinated with team members, managers and relationship managers to execute the profile completion and prevent escalations
• Provided day to day management information report maintain consolidate internal error's file to management team
• Ensured all assigned tasks are completed and reported using internal workflow tools
• Kept a log for new learning's and changes in the process.

• Strong knowledge in Business Banking AML KYC Global regulatory requirements
• Conduct KYC/CDD reviews for on-boarding and existing bank customers
• Ensuring AML/CFT regulations and procedures are fully implemented in line with Global standards
• Good understanding in AML OFAC/EU Sanction regulatory requirements at Global standards
• Performs all aspects of customer Identification program (CIP) by obtaining & validating the KYC documents
• Screening of the customers profile in accordance with PEP, Adverse media & Sanction guidelines with outmost care
• Hands-on experience on handling global database tools Lexis Nexis, World compliance and internal Watch lists
• Hand on experience on DSAR, validating customer details and to provide the requested information.