KARISHMA RAWAT
Gurgaon
Summary
Detail-oriented and analytical KYC/AML Analyst with over six years of experience in client Remediation/ onboarding, regulatory compliance, due diligence, and risk assessment. Proven track record in managing KYC documentation, performing AML and Anti-Financial Crime (AFC) checks, and ensuring seamless client adoption in alignment with internal policies and regulatory frameworks.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Senior AML/KYC Analyst
KPMG Global Services Pvt Ltd
01.2022 - Current
- Performing end to end client remediation and renewal of KYC records for Large Corporates as per regulatory standards with high quality and while meeting tight deadlines.
- Conduct client due diligence (CDD) to gather information such as identity verification, source of funds, and beneficial ownership for different entity types like Banks, Trust, Funds, SPV etc.
- Conduct Sanctions Screening and Negative News Screening for corporates and individuals associated (eg. Board of Directors, Authorized Signatories, and Beneficial Owners) through effective utilization of internal and external tools and sites like Company House, Open Corporate, and Equifax.
- Identifying & linking all directors and Ultimate Beneficial Owner (UBO) and financials of large corporates by using tools like UKCH, annual reports, and US Securities and Exchange Commission (SEC) filing.
- Review procedures to ensure activities undertaken within the bank does not breach guidelines administered by OFAC, the UN, the EU, UK HM Treasury.
- Recognized by management for timely handling of high-risk escalations and ensuring KYC compliance.
Regulatory Operation Analyst
DBOI Global Services (P) Ltd
01.2021 - 01.2022
- To participate in daily tasks such as quality check, review of results of the ongoing client AML screening, processing incoming requests to the team's inbox.
- Responsible for periodic review/ODD of Private clients and to ensure documentation is accurate & current.
- Verify the identity of clients to understand the nature and purpose of their relationship with the financial institution for the purposes of performing Know your Customer (KYC) Procedures.
- Identify data anomalies and red flags for money laundering, terrorist financing, fraud, sanctions violations, and escalate for second level review.
- Investigate alerts of transaction and check bank statement further documents as per marked SOW, transaction AML and Fraud related alerts, along with alerts for potential match with International Sanctions lists, PEP lists and companies' internal lists.
- Access and analyze data from both internal and external sources to validate customer information and ensure that customer records are accurate, complete with defined SLAs.
- Reduced client onboarding turnaround time by 30% through improved documentation workflows.
Associate-Ops
WNS Global Services (P) Ltd
01.2020 - 01.2021
- Performed Enhanced Due Diligence (EDD) reviews on High-Risk customers & PEPs (politically exposed people) collect the required information as per EDD requirements and send EDD to Money Laundering Reporting Officer (MLRO) for signoff.
- Verified the customer's and its parents in the recognized stock exchanges and regulators to minimize overall risk of the client.
- Verified the identity of UBO and, main principal through ownership investigation.
- Conducted RDC Screening on Main Principals, UBO, Entities and Associated Parties. Verification and Bribery/Corruption checks for prospective transactions for existing or onboarding clients to identify potential reputational, business, adverse media hits and Sanction risks etc. Sanctions, PEP and Negative News Screening (World Check, RDC).
- Provided mitigation for Negative Hits / News and obtained concurrence from Money Laundering Reporting Officer (MLRO).
- Identifying and verifying the entity and collecting data from FO and MLRO, preparing CDD packs for the reviewed entity for Booking and Initiating country.
- Prepared client questionnaires, front office questionnaires for collecting the required data regarding nature of business, source of funds and source of wealth for reviewing the entity and performing the CDD.
Computer Clerk
Municipal Corporation Gurgaon
01.2015 - 01.2019
- Managed and supervised clerical staff, providing training and performance evaluations.
- Processed payroll for municipal employees, ensuring accurate and timely payments.
- Processed citizen complaints, directing them to appropriate departments for resolution.
- Conducted background checks for prospective municipal employees, ensuring eligibility.
- Processed citizen complaints, directing them to appropriate departments for resolution.
Education
Post Graduate Diploma in Business Management -
NMIMS UNIVERSITY
Mumbai, India10-2023
Bachelor of Commerce (Hons.) -
UNIVERSITY OF DELHI
Delhi09-2016
Skills
- Financial Crime
- AML PEP UBO Remediation
- Transaction Monitoring
- KYC / CDD / EDD Reviews
- Stakeholder Communication
- Risk Assessment & Classification
- MS Office Suite KYC/AML Tools (WorldCheck, LexisNexis, etc)
- Due Diligence Client Onboarding Periodic Reviews
Certification
Certified Anti Money Laundering Investigator (CAMI )
Timeline
Senior AML/KYC Analyst
KPMG Global Services Pvt Ltd
01.2022 - Current
Regulatory Operation Analyst
DBOI Global Services (P) Ltd
01.2021 - 01.2022
Associate-Ops
WNS Global Services (P) Ltd
01.2020 - 01.2021
Computer Clerk
Municipal Corporation Gurgaon
01.2015 - 01.2019
Post Graduate Diploma in Business Management -
NMIMS UNIVERSITY
Bachelor of Commerce (Hons.) -
UNIVERSITY OF DELHI
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