KRITHIK N V
Bangalore
Summary
A highly motivated and ambitious professional with over 9 years of experience in various banking domains, including Know Your Customer (KYC), Anti-Money Laundering (AML), Financial crime screening, and Client Onboarding. Proven track record working with renowned financial institutions such as Deutsche Bank, HSBC, and First Citizens. Eager to contribute in a dynamic environment where I can leverage my expertise, enhance my skills, and maximize my potential to align with and support the organization's goals and objectives.
Overview
10
10
years of professional experience
4026
4026
years of post-secondary education
5
5
Languages
Work History
Lead Operations Analyst - Global Client Onboarding
First Citizens India
08.2019 - Current
- Conducted validation and quality control checks for account onboarding, ensuring alignment with global KYC standards across jurisdictions.
- Acted as the primary point of contact for cross-functional business teams and bank clients, ensuring data accuracy and a seamless onboarding experience.
- Proactively coordinated with internal teams to gather missing information and ensure compliance with regulatory requirements, while maintaining consistent follow-up until application completion.
- Monitored responses and resolved cases using strong problem-solving skills, handling issues with diplomacy, efficiency, and professionalism.
- Played a key role in mitigating firm and client risk by leveraging strong research skills while managing client experience and internal stakeholder expectations.
- Maintained accurate client records and conducted end-to-end KYC and quality control checks during onboarding.
- Delivered operational support to clients and business partners in alignment with bank policies and procedures.
- Strengthened due diligence and identity verification processes by assessing, executing, and documenting customized client onboarding solutions across multiple client segments, demonstrating deep KYC expertise.
- Prepared and maintained detailed reports on onboarding quality checks and case resolution metrics, providing insights to senior management and ensuring transparency in performance.
- Well-versed in global AML/KYC standards and compliance practices.
- Possess strong knowledge of banking products, regulatory frameworks, and departmental procedures.
- Demonstrated expertise in utilizing system tools and procedures to support compliance and operational efficiency.
- Proactively identified and escalated potential threats and compliance issues to management.
- Consistently met stringent SLAs in alignment with operational management expectations.
- Collected and reviewed documentation, updated records, and generated actionable reports.
- Maintained high attention to detail with a strong focus on accuracy and data integrity.
- Assessed client outreach to ensure Requests for Information (RFI) were fulfilled and compliance requirements addressed by the EDD team.
- Coordinated with clients, front office, and middle office teams to gather necessary KYC and legal documentation for account setup.
- Supported internal audits by providing client data and guiding teams through onboarding processes, policies, job aids, and procedures.
KYC Analyst
HSBC Electronic Data processing India Pvt. Ltd
03.2017 - 08.2019
- Possess comprehensive end-to-end KYC knowledge across Low, Medium, and High-risk clients, ensuring due diligence aligns with global regulatory standards.
- Developed strong expertise in AML and Customer Identification due diligence frameworks.
- Verified and updated client documentation; produced and actioned reports in accordance with compliance requirements.
- Gained extensive product knowledge by working across diverse client types and scenarios.
- Within in the team, I have taken the responsibility of resolving complex queries and mentoring new team members.
- Conducted detailed KYC screenings, including documentation and risk assessments of clients, parents, and key controllers for sanctions, reputational risk, and adverse media.
- Ensured audit readiness by sharing key learnings from profile reviews with team members, contributing to overall error reduction.
- Proficient in utilizing compliance-approved research tools such as Mint Global, Bankers Almanac, One Source, World Check, Bloomberg, and official company registries including HK Government websites.
- Actively contributed as a member of the SPR audits team.
- Conducted KYC reviews across various entity types including Trusts, Foundations/NPO's, Charities, Regulated Entities, and Financial Institutions, with strong understanding of complex ownership structures.
- Participated in pilot programs for Material and Admin Triggers (NGT tool) for the Hong Kong region; served as an NGT champion and supported operations across EMEA and APAC regions.
- Initiated High Risk Reviews (HRR) in coordination with the Compliance team concerning clients with adverse media or negative news.
- Collaborated with SME and internal teams to identify solutions and resolve issues, ensuring timely and efficient completion of KYC processes.
1.) Process Associate - KYC (Deutsche Bank)
Tata Consultancy Services (TCS)
06.2015 - 12.2016
- Conducted in-depth analysis of transactional data to identify risk patterns, trends and suspicious activity.
- Ensured compliance with AML laws, regulations and internal policies (OFAC, CIP, KYC), including ongoing customer and transaction monitoring.
- Developed and implemented enhanced KYC risk‐rating criteria and procedures for both consumer and corporate clients.
- Managed and coordinated informational responses under the USA PATRIOT Act.
- Demonstrated expertise in anti-money laundering (AML) principles and best practices.
- Performed enhanced due diligence on entities using LexisNexis, World-Check and open-source intelligence.
2.) Quality Checker - KYC-FATCA
Tata Consultancy Services (TCS)
02.2016 - 12.2016
- Ensured adherence to quality standards and procedures during FATCA and CDOT manual remediation reviews.
- Oversaw and resolved FATCA remediation-related issues, ensuring accuracy and compliance.
- Conducted thorough quality checks of FATCA documentation for existing clients, aligning with internal policies and regulatory requirements.
- Played a key role in establishing and maintaining a controlled and standardized data environment.
- Effectively communicated FATCA remediation quality standards to cross-functional teams and stakeholders.
- Led quality assurance reviews of PEAR remediation cases submitted by team members, providing feedback and ensuring high-quality deliverables.
- Contributed significantly to the overall success and compliance of the FATCA Remediation Team through consistent quality oversight.
Education
B.Com - Finance & SAPM
St. Aloysius College (Autonomous)
Commerce & Computer Science - Accounting And Finance
St. Michael College
Skills
Project Management and Coordination
Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
Strong knowledge of KYC (Know Your Customer) processes and compliance requirements
Hands-on experience with compliance and screening tools: RDC, LexisNexis, World-Check
Working knowledge of Tally ERP 72
Expertise in data analysis and reporting
Working knowledge of Tally ERP 72
Expertise in data analysis and reporting
Accomplishments
- Consistently recognized as a top performer at First Citizen, receiving the Quarterly Star Performer Award (2024) and the All Rounder Award for Q2 2024 under Rewards & Recognition.
- Earned multiple appreciations from country heads for delivering exceptional client onboarding experiences.
- Honored with the 'Zero Hero Award' at HSBC for outstanding productivity and performance.
Personal Details
Nationality: Indian
Timeline
Lead Operations Analyst - Global Client Onboarding
First Citizens India
08.2019 - Current
KYC Analyst
HSBC Electronic Data processing India Pvt. Ltd
03.2017 - 08.2019
2.) Quality Checker - KYC-FATCA
Tata Consultancy Services (TCS)
02.2016 - 12.2016
1.) Process Associate - KYC (Deutsche Bank)
Tata Consultancy Services (TCS)
06.2015 - 12.2016
B.Com - Finance & SAPM
St. Aloysius College (Autonomous)
Commerce & Computer Science - Accounting And Finance
St. Michael College