Karthiga Karuppaswami

• Performed end-to-end KYC, AML, CDD, and EDD reviews for individual, commercial, and institutional clients in line with the BSA, the USA PATRIOT Act, and internal compliance policies.

Validated Client Identification Program (CIP) requirements and ensured the completeness and accuracy of account opening documentation for regulatory and audit readiness.

• Conducted customer risk assessments, including PEP identification, adverse media screening, sanctions screening, and ongoing due diligence for high-risk clients.

Investigated client transactions, including wire transfers, cash, cross-border, and account activities, to identify suspicious behavior and potential financial crime risks.

• Performed transaction monitoring using client activity reports, and ensured timely escalation of AML/Sanctions alerts, negative news, and suspicious activities.

• Collected and verified supporting documentation from clients to substantiate KYC/AML investigations and ensure fully auditable case records.

• Onboarded and reviewed low, medium, and high-risk clients including sole traders, partnerships (LLP/GP), corporate entities, and institutional clients.

• Maintained and updated customer profiles to ensure ongoing compliance with regulatory requirements and internal risk standards.

• Delivered KYC training to new joiners and developed training materials on AML/KYC policies, procedures, and regulatory expectations.

• Generated MIS reports and status updates for senior management, ensuring accurate tracking of compliance activities and case progress.

• Collaborated with oversight teams and internal stakeholders to ensure proper escalation, approval, and resolution of compliance issues.

• Supported process improvements, enhanced risk assessment methodologies, and contributed to updates in internal policies aligned with regulatory changes.

• Supported end-to-end KYC and AML operations including client onboarding, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and periodic reviews for global banking clients.

• Reviewed client documentation, verified beneficial ownership structures, and conducted risk-based assessments in accordance with regulatory standards and internal compliance policies.

• Performed sanctions screening, PEP identification, adverse media checks, and customer profile reviews to support effective financial crime risk mitigation.

• Conducted detailed analysis of client activity and transactional behavior to identify potential suspicious patterns and escalate cases as per AML guidelines.

• Ensured accurate completion of KYC records and maintained audit-ready documentation in compliance with regulatory and internal control requirements.

• Collaborated with internal stakeholders to resolve onboarding and compliance issues, ensuring timely case closure, quality output, and adherence to SLAs.

• Supported compliance reporting and case tracking activities by maintaining accurate records of workflow progress and escalation updates.

• Participated in process improvement initiatives by identifying operational inefficiencies and contributing to enhanced review quality and turnaround time.