Kaushal Kunal
Bangalore
Summary
Analytical and detail-oriented Senior AML/KYC Specialist with 10+ years of experience in financial crime compliance, risk management, and regulatory adherence. Expertise in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Know Your Customer (KYC), Anti-Money Laundering (AML), Politically Exposed Persons (PEP) screening, sanctions compliance, and transaction monitoring. Adept at identifying and mitigating risks associated with financial crimes while ensuring compliance with global regulatory frameworks.
Overview
12
12
years of professional experience
Work History
Senior CLM Specialist – COE
HSBC Electronic Data Processing (India) Pvt Ltd.
12.2022 - Current
- Managing end-to-end KYC due diligence for corporate and financial institution clients across Hong Kong, Malaysia and Singapore
- Conducting periodic reviews, trigger reviews, and risk assessments based on risk categorization (SCC, High, Medium & Low)
- Performing PEP screening, negative news checks, and sanctions screening using global compliance tools
- Ensuring regulatory compliance with AML, KYC, FATCA, and other international policies
- Conducting EDD investigations for high-risk clients, including NBFIs, Funds, Syndicate lenders, Trusts and Correspondent Banks
- Supporting Relationship managers and Compliance teams in risk mitigation and policy adherence
- Utilizing CDS, HUB Screening, Avox, BankCheck, Orbis, D&B, and other compliance databases for due diligence
Deputy Manager – NRI Virtual Centre
Axis Bank Ltd.
12.2020 - 12.2022
- Led KYC, Re-KYC, and CKYC processes for high-net-worth NRI clients, ensuring full regulatory compliance
- Validated passport, visa, and source of funds documentation for new and existing accounts
- Conducted transaction monitoring for potential suspicious activity and escalated AML red flags to compliance teams
- Managed cross-border remittances and forex transactions, ensuring compliance with FEMA and RBI guidelines
- Cross-sold banking products including mutual funds, insurance, loans, and wealth management solutions
- Provided high-touch client service, resolving banking queries, fraud disputes, and account maintenance issues
Senior Client Care Executive – Cards & Phone Banking
Standard Chartered GBS
02.2018 - 11.2020
- Investigated credit card frauds, chargebacks, and disputes, escalating cases to the appropriate risk teams
- Conducted KYC and AML verification checks on account activities to detect money laundering risks
- Assisted customers with account validation, loan applications, and financial transactions
- Worked closely with compliance and risk teams on financial crime investigations and dispute resolution
Representative Operation
SBI Cards (Concentrix Services India Pvt Ltd.)
10.2016 - 01.2018
- Onboarded new customers by verifying KYC details, credit history (CIBIL checks), and financial documentation
- Assisted in sanctions screening and compliance verification for corporate and individual clients
- Provided compliance support to new hires as a Subject Matter Expert (SME)
Certification Officer
IBM Daksh (SGB/Westpac Bank Australia)
07.2013 - 12.2014
- Certified mortgage loan applications by verifying signed bank documents and client financials
- Ensured adherence to Australian banking compliance and AML policies
- Need to communicate with the clients or their Solicitor through e-mails or calls to ensure that correct Mortgage loan documents are signed and sent by the clients
Education
Master of Computer Applications -
CMRIMS, Bangalore University
Bengaluru, India01-2011
Bachelor of Computer Applications -
MCRP University
Bhopal, India01-2008
Intermediate -
B.I.E.C (Patna)
BiharMatriculation -
B.S.E.B (Patna)
BiharSkills
- Analytical thinking
- Anti-Money Laundering (AML)
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- KYC Process
- Documentation Review
- Transaction Monitoring
- Risk Assessment
- PEP Screening
- Sanctions Compliance
- Risk Mitigation
- Financial Crime Compliance
- Fraud Detection
- Dispute Resolution
- Cross-border Remittances
- Banking Operations
- Relationship/Portfolio Management
- Expert problem solving
Hobbies and Interests
- Chess
- Video Games
- Listening to Music
Languages
English
Hindi
Certifications And Technical Skills
- AML & KYC Compliance Training (Internal HSBC Certification)
- AMFI & IRDA Certified – Financial Services & Risk Management
- NIIT Certification – Advanced Java Programming for Web Development
- Manual & Automation Testing (Selenium) Certification – QSpider
- Financial Crime Compliance Tools: NGTG, NGTW, CRM, HUB Screening, Avox, Orbis, D&B
- Operating Systems & Applications: MS Office, Adobe Package, Windows, Linux
Disclaimer
I hereby declare that the above information is true to the best of my knowledge and belief.
Timeline
Senior CLM Specialist – COE
HSBC Electronic Data Processing (India) Pvt Ltd.
12.2022 - Current
Deputy Manager – NRI Virtual Centre
Axis Bank Ltd.
12.2020 - 12.2022
Senior Client Care Executive – Cards & Phone Banking
Standard Chartered GBS
02.2018 - 11.2020
Representative Operation
SBI Cards (Concentrix Services India Pvt Ltd.)
10.2016 - 01.2018
Certification Officer
IBM Daksh (SGB/Westpac Bank Australia)
07.2013 - 12.2014
Master of Computer Applications -
CMRIMS, Bangalore University
Bachelor of Computer Applications -
MCRP University
Intermediate -
B.I.E.C (Patna)
Matriculation -
B.S.E.B (Patna)
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