Lohita RY

• Process : Employee trading Compliance(Personal Account Dealing), Customer screening
• Provided guidance, advice and training to improve business' understanding of related laws and regulatory requirements.
• Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices.
• Developed and implemented internal control tests to verify employee compliance with established policies and procedures.
• Drove system improvement efforts from concept to completion while strategically managing outside vendors.
• Gathered, organized and evaluated data to make accurate assessments of current operations.
• To monitor employees’ Outside Business Activities and Outside Business Interests divisions throughout respective regions of operation and check for any conflicts of interest that exist between an employee's role at the company and his outside business activities
• Approving, monitoring, analyzing, and reviewing the trades executed by employees to determine compliance with the Firm's personal account dealing policies and Location/Line of Business requirements
• Investigate and follow up with the Employee, Location/Line of Business Compliance, and Management to ensure closure of potential violations, discrepancies, and issues
• Report trading activity and violations to Location/Line of Business Compliance and Management
• Tracking of personal account dealing violations and issuance of violation notification
• Frequently communicate with Regional and LOB Compliance to maintain and track the employee’s account dealing data and activities
• Working with the global team to standardize processes across regions and different technology platforms including the use of Robotics and OCR
• Remediation team to review client documentation to confirm the ECIs represent the same individual
• Responsible for performing sanctions review on clients who have exposure to sanction countries and investigating the business relationship of the client with the bank
• Work with the list of customers with sanctions connections to consider additional controls relating to their payments to ensure full compliance with pertinent rules and regulations
• Escalates issues discovered during ongoing review and assessment of AML/OFAC compliance risk that require escalation to senior management for direction on resolution
• Responsible for performing a full review on the clients by understanding the nature of the business, buyers and suppliers, transaction history of the client, and performing various checks to understand the total level of exposure and risk appetite.

• Analyzed client data, documentation, and negative news to determine a Client Risk Profile as established under the KYC Procedures
• Identify accounts for high-risk or negative information using World-Check and OFAC
• Review and analysis of Moderate Risk accounts
• Responsible to prepare & submit a narrative summary of findings for each review, including a detailed recommendation for further action, to Senior VP internally audited New
• Account’s compliance with KYC procedures
• Customer Identification Process as it pertains to corporations and individual clients
• Answer KYC/AML questions raised by less experienced members of the team.

• Process: Fraud Investigations
• Reviewed and investigated debit & credit card accounts where fraudulent activity has been reported
• Thorough investigations are done to determine if true fraud was committed
• Service customer inquiries determine customer needs and provide solutions with regard to their banking requirements
• Works with dispute specialists to investigate fraud claims
• Investigate cases of fraud including check fraud, new account fraud, debit and credit card fraud, teller transactions, and other suspicious activity
• Prepares case summaries and reports recommends disposition of cases and submits cases to law enforcement
• Assists members in person and by telephone regarding allegations and resolution of fraudulent, unauthorized, or suspicious transactions
• Helps members complete affidavits, obtain documentation, file police reports, and make payment arrangements
• Assists other Credit Union staff with questions and information requests related to cases of suspected fraud
• Reviews, monitors, and analyzes daily and monthly data reports identifying fraud trends and patterns
• Maintains required performance standards for quality, communication, promptness, and identifying fraud trends
• Processes returned deposit items (chargebacks)
• Reviews and evaluates items to identify fraud trends
• Places hold or other restrictions on accounts as necessary.

GPA: 78

GPA: 83