Karan Ramchandani

• Onboarded merchants on Amex systems ensuring ensuring compliance with all Anti-Money Laundering (AML) and Know Your Customer (KYC) regulatory requirements.
• Conducted thorough reviews of merchant documentation and background checks to verify identity and assess potential risks.
• Been on top of all the key metrics of TOS, TOC, UPH, and quality.
• Contributed to process improvements by identifying inefficiencies in the onboarding workflow and suggesting enhancements to streamline KYC/AML checks.
• Collaborated with the proprietry teams / stakeholders to smoothen the onboarding journey of the merchant.
• Collaborated with compliance teams to resolve any discrepancies and ensure seamless integration of merchants into the Amex network.
• Initiated and coordinated the team sessions for streamlining the onboarding process and maintaining the strategic roadmap.
• Provided expertise in drafting the CHC articles for various projects/processes like Start Right, Petro Contracts, etc.
• Conducted several internal sessions for CHC and process guidelines to ensure correct and up-to-date information and case processing.
• Analyzing root cause analysis to address recurring issues and prevent future escalations.

Projects:

AML Grid Upliftment:

• Led the successful upgrade of the AML Grid, enhancing the organization's ability to detect and mitigate financial crimes in line with the latest regulatory requirements.
• Coordinated with cross-functional teams like Compliance, Risk, GBIT, and OE to plan and execute the uplift of the AML Grid version, ensuring minimal disruption to ongoing operations.
• Provided training and support to the team post-upliftment, ensuring smooth adoption of the new regulatory requirements.
• Created and drafted CHC articles for the team to adhere to the new changes and streamline the operations.

Strategic Sales and B2B acquisition:

• Collaborated and coordinated with teams to have a split between acquisition and AML/KYC checks, wherein the Acquisition team will acquire the merchants, and we will perform the AML/KYC.
• Collaborated with strategic sales, B2B team, along with GBIT team to have complete coverage from a regulatory standpoint.

• Trained & Multi skilled in End to End Mortgage Lifecycle i.e. Title Search,Homeowners Insurance, Project Certifications, Loan Estimates, Initial Closing Disclosures, Funding & Shipping to ensure smooth end to end mortgage operations in a specified timeline.
• Conducting Extensive Research to identify the financial stability, viability, condition , marketability, and project level litigation. Performing Accurate Due Diligence and legal review to avoid project level mispresentaion and fraud.
• Review credit score, credit report, litigations and liens of the client and make approval/denial decisions.
• Maintaining Compliance with TRID guidelines & Ensuring adherence to regulatory, operations and compliance standards.
• Preparing Loan estimate by breaking down all the costs associated with a mortgage, from monthly payments to cash due at closing.
• Pre funding review before the actual disbursement, Following up with internal teams for any issues holding funding.
• Act as a final check or filter for Better Machinery before loan reaches its destination.
• Assessing and Analyzing several associated risk factors and performing accurate, effective and credible review.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
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• Auditing Files For completeness and accuracy before sending out disclosures & Preparing Loan Estimates and confirming fees and pricing are accurate.
• Working on various Loan files like Refinance, Purchase & Manual Disclosures.
• Preparing Revised Disclosures according to TRID guidelines with prescribed timeframes and procedures.
• Implementing company processes during the disclosure process for the highest level of customer service.
• Prepared Loan Estimates by breaking down all the costs associated with mortgage, from monthly payments to cash due at closing.

• Onboarding New Accounts, building relationship and doing Account Management through regular meetings & calls.
• Handled Client Issues and ensured excellent service level.
• Connecting client on a daily basis and driving exceptional client service.
• Understanding Client business and requirement and pitching the relevant product or solution.
• Handling client's escalations, in coordination with the various internal teams.
• Preparing & Maintaining documentation for all purchases by the key accounts.

• Catering to leads generated through multiple off site and on site channels.
• Interaction and counsel with prospective leads to drive sales conversion.
• Managing multiple touchpoints with consumer & providing onboarding support.
• Performing ATL & BTL activities in various educational institutes.