Kothakota Divya Bharathi
Hyderabad
Summary
AML/KYC Analyst with 3+ years of experience conducting CDD, EDD, and CIP reviews for commercial, retail, and corporate clients. Skilled in PEP screening, transaction monitoring, risk rating, and negative news research using tools like LexisNexis, World-Check, GRID, and RDC. Recognised for accuracy, attention to detail, and meeting strict compliance and quality standards.
Overview
7
7
years of professional experience
Work History
Junior Fincrime Analyst
Revolut Technologies India Private Limited
Hyderabad, India
08.2026 - Current
- Perform Customer Due Diligence (CDD) and Know Your Customer (KYC) checks in accordance with AML regulations and internal policies.
- Conduct Enhanced Due Diligence (EDD) reviews on high-risk customers to identify potential financial crime risks.
- Analyse customer profiles, transactional activities, and source of funds (SOF) to assess financial crime exposure.
- Investigated unusual transaction patterns and suspicious financial activities to mitigate potential financial crime risks. Conduct PEP (Politically Exposed Person), sanctions, and adverse media screening.
- Assessed customer risk profiles based on geographic, transactional, behavioural, and business-related risk factors to determine financial crime exposure.
- Identify potential money laundering, terrorist financing, fraud, and sanctions-related risks.
- Escalate suspicious activities and high-risk cases to relevant compliance teams in line with internal procedures
- Maintain accurate case documentation and ensure compliance with regulatory requirements and quality standards.
Senior Process Associate
Genpact
Hyderabad
11.2023 - 11.2025
- Conducted periodic reviews (PR/CR) for clients and entities, performing risk-rating analysis and focused reviews for Special Category Customers, including PEPs and other high-profile individuals, to ensure compliance and mitigate risk.
- Monitored international wire transfers and cash activity, escalating high-risk cases that exceeded defined thresholds to ensure adherence to regulatory requirements.
- Conducted name screening and background checks (BGC) on clients and connected parties using Grid application; analyzed and discounted hits, and escalated adverse media, PEP, or sanctions findings to compliance teams for approval.
- Compared and reviewed KYC records to identify discrepancies, escalating findings in line with firm-wide quality standards.
- Collected and verified confidential client data from internal systems and public sources to support CIP, CDD, and EDD documentation.
- Verified customer identity and authenticity of submitted documents (ID, proof of address, business licenses, legal entity documentation) against regulatory requirements.
- Utilized internal/external sources and prior review information for client identification; coordinated with Relationship Managers or clients directly when information gaps were identified, including via formal Client Information Requests.
Process Associate
Tata Consultancy service limited
Hyderabad
04.2023 - 05.2023
- Performed KYC due diligence (CDD/EDD) and compliance checks on customer accounts, including client onboarding and ongoing account monitoring via internal search tools.
- Liaised with relationship managers to gather updated client documentation for thorough account reviews, ensuring compliance and accuracy.
- Carried out due diligence for new clients, including requesting KYC documentation, verifying received information, and completing analytical risk assessments.
- Conducted negative news and media screening using RDC, Lexis Diligence, and Google Search to assess AML risk and identify high-risk transaction attributes, enhancing risk mitigation efforts.
- Performed sanctions screening across transactions to detect and flag unusual activity, contributing to compliance with regulatory requirements.
Process Associate
Prokarma Softtech private limited
Hyderabad
09.2019 - 02.2021
- Investigate and assess alerts for potential money laundering risks in the Bank. Ensure efficient identification and monitoring of suspicious activities and transactions.
- Reviewed system generated alerts and perform enhanced due diligence on customers to prevent the bank from being exploited by money laundering or terrorist financing activities.
- Evaluated transactions and customer relationships for money laundering activities, identifying red flag issues and escalating findings within AML group to ensure compliance.
- Identified and investigated unusual account activity by analysing specific customer transactions, documenting case findings to support thorough investigations.
- Monitored customer transactions to detect potential risks and ensure compliance with regulations. to identify potential risks.
- Analysed alerts generated by the system to identify potential compliance issues. which are identified by the systems. Perform the analysis in accordance with the procedure laid down in the processes.
- Escalated cases requiring further analysis to an associate manager or manager, ensuring thorough investigation of potential issues.
- Escalate cases that require further investigation or action, such as potential high-risk customers or suspicious activities.
- Collaborated with a cross-functional team to gather information on customer financial activity, improving quality of investigations and ensuring comprehensive risk assessment.
- Verified transaction authenticity to ensure compliance with regulations.
- Gathered and analyzed information to support investigations.
- Submitted details of investigations on anomalous transactions and escalated cases for further review.
- Maintained a current understanding of money laundering and terrorist financing issues, including policies, procedures, regulations, industry best practice, criminal typologies and developing trends.
- Utilised bank systems, subscriptions and public databases, and other tools to research clients, counterparties and related entities to the transactions. Conducted internal account/customer investigations to identify potentially suspicious activity.
Education
Bachelors - Computer Science: Mathematics
Osmania University
Hyderabad, TG01-2019
Skills
- KYC and compliance management
- End-to-End KYC Reviews (Periodic & Event-Driven)
- Enhanced Due Diligence (EDD) & Simplified Due Diligence (SDD)
- Anti-Money Laundering (AML) & Regulatory Compliance
- Customer Identification Program (CIP)
- Risk and screening
- Sanctions Screening & PEP Identification
- Suspicious Transaction Monitoring & Reporting
- Background Checks (BGC) & Name Screening
- Source of Funds Analysis (Initial & Ongoing)
- Entity & Document Verification
- Verification of Entities
- Registry Document & Legal Entity Verification
- UBO, Signatory & Related Party Verification
- Audited Financial Statement Analysis
- Vulnerable Business Activities & Sensitive Country Exposure Assessment
- Applications & Tools
- World Check RDC GRID LexisNexis
Accomplishments
- Best Performer of the Month and Bronze and Silver Performance Award – Genpact
- Recognized for maintaining high quality and compliance standards
Timeline
Junior Fincrime Analyst
Revolut Technologies India Private Limited
08.2026 - Current
Senior Process Associate
Genpact
11.2023 - 11.2025
Process Associate
Tata Consultancy service limited
04.2023 - 05.2023
Process Associate
Prokarma Softtech private limited
09.2019 - 02.2021
Bachelors - Computer Science: Mathematics
Osmania University