Kruthi Rao
KYC Analyst
Bengaluru,KA
Summary
Experienced KYC analyst with over 4 years of expertise in the fintech industry, specializing in customer due diligence, fraud detection, and risk analysis. Proficient in onboarding operations, regulatory compliance, and cross-functional collaboration. Demonstrated mastery of tools such as Looker, SIFT, and Excel. Recognized for consistently delivering high-quality results within fast-paced, high-volume workflows and meeting challenging deadlines.
Overview
5
5
years of professional experience
5
5
years of post-secondary education
Work History
Junior Analyst
Razorpay Software Pvt. Ltd.
08.2022 - 07.2023
- Conducted due diligence for 2,000+ merchants with a quality score of 98.02%
- Re-verified KYC documents as per RBI guidelines, improving compliance accuracy
- Reduced activation rejections by 25% through proactive merchant engagement
- Resolved 3,125+ support tickets with a 92.78% quality rating
- Created real-time dashboards to support leadership decision-making
- Led data quality checks that reduced reporting errors by 16%
- Coordinated onboarding for enterprise clients including IRCTC, Airtel, and Decathlon
- Collaborated with Key Account Management and Operations to ensure SLA adherence
- Analyzed transaction data for failure trends, settlement mismatches, and refunds
Junior Risk Analyst
Razorpay Software Pvt. Ltd.
10.2021 - 05.2022
- Monitored and analyzed internal risk alerts using tools like Looker and SIFT
- Identified high-risk merchants and blocked fraudulent transactions
- Built customer risk assessment models with 97% accuracy
- Partnered with cybercrime authorities to recover funds from fraud cases
- Implemented a risk-based AML program to target high-exposure accounts
- Contributed to risk mitigation process improvements and dashboard workflows
- Conducted compliance reviews on KYC, website audits, and business model checks
Transaction Processing Associate
Accenture Pvt. Ltd.
10.2019 - 01.2021
- Reviewed and categorized Facebook ads, ensuring content met platform guidelines
- Trained new employees and created knowledge presentations on process updates
Content Moderator
Concentrix Daksh Pvt. Ltd.
12.2018 - 06.2019
- Reviewed Google Play Store apps for policy compliance with 99.05% accuracy
- Maintained target AHT (Average Handling Time) and quality benchmarks
Education
Bachelor of Commerce - Banking And Finance
Surana College
Bengaluru, India 05.2015 - 06.2018
Pre-University - Commerce
National PU College
05.2013 - 04.2015
Skills
KYC compliance management
Risk & Fraud Analysis
Merchant Due diligence
Customer Due diligence
Detailed Risk Analysis
Customer relationship management
Transaction Monitoring
Regulatory Reporting
Accomplishments
- Resolved product issue through consumer testing.
Timeline
Junior Analyst
Razorpay Software Pvt. Ltd.
08.2022 - 07.2023
Junior Risk Analyst
Razorpay Software Pvt. Ltd.
10.2021 - 05.2022
Transaction Processing Associate
Accenture Pvt. Ltd.
10.2019 - 01.2021
Content Moderator
Concentrix Daksh Pvt. Ltd.
12.2018 - 06.2019
Bachelor of Commerce - Banking And Finance
Surana College
05.2015 - 06.2018
Pre-University - Commerce
National PU College
05.2013 - 04.2015