MADHU SHARMA
Jaipur
Summary
Detail oriented financial crime and AML/KYC professional with proven history of meeting both personal and company set goals. Skilled working under pressure within tight deadlines with the ability to adapt to new challenges. Seeking an opportunity to utilize obtained knowledge and experience as an AML & KYC professional to collaborate and enhance an organizations risk department. Professional analyst with a background in banking and financial services. Skilled in reviewing and verifying customer identification documents and other information to verify completeness and accuracy. SKILLS & ABILITIES AML, KYC, CDD, EDD, PEP, Negative media, Sanctions, Transaction Monitoring, Fraud & Risk Management, Training, Quality Audit, Team handling, Analytical & Critical Thinking, Team Player.
Overview
16
16
years of professional experience
Work History
Senior Analyst B6 (Team Lead)
Deutsche Bank Group
2022.01 - Current
- Responsible for verification of Client data
- Perform due diligence of new and existing clients covering a wide range of different client types including Listed and Regulated, small/medium/large private and public companies as well as more complex structures such as Trust, Foundations and Funds, etc
- Verifying KYC documentation of the Clients to be adopted/reviewed
- Perform the risk assessment of the Client to be adopted/reviewed
- Signing off on periodic reviews
- Manage Periodic Review stream, to ensure that all requests are approved in accordance with regulatory requirements and the bank’s internal policies
- Manage exception ensuring that all SLA’s defined with the Business on timeliness and quality are adhered.
Process Developer (Mortgage Underwriter)
Genpact India Ltd
Jaipur
2008.09 - 2021.12
- Mortgage underwriter: Secured and unsecured lending for Australian Bank
- Siebel checks: Customers profile, business lending, Australian non Resident checks, alerts, Accounts and services, Lending history
- Customers KYC: Verification of customers identity documents
- Collateral review: Title Search, Valuation report, Contract of sale, Property address, Fees & Charges
- Verify Income, liability, expenses, assets
- Calculated Loan to Value ratio (LVR)
- Verify Loan product, loan purpose, proof of assets, customer contribution, Genuine savings
- Check Bank statements for external home loans and credit cards for adverse conduct
- Charge Government fees as per state and as per loan amount for new mortgages
- Calculate LMI Fees (Lender mortgage fees)(New and existing LMI)
- Customer employer verification
- Verify Complex mortgage Loans (Including: Government guarantee, Guarantor, construction loan, Self Employed: Trust, Company, Sole Trader, Partnership)
- Verify documents for compliance and perform cross checks
- Communicate with banker and processer regarding documentation require to satisfy outstanding condition
- Review credit, collateral and applications to ensure loan meets guidelines
- Examine Loan documentation to ensure accuracy and completeness
- Part of (SLCM “File Quality”: Secured Lending Control Monitoring) file quality assurance for unconditional approval provided to the customers, application directly submitted by banker, customer verification and credit assessment
- Handle calls from onshore to process urgent application and prioritize workflow
- Daily team huddle to share process update
- Cross trained in Business loans
- Lean Certified
- Part of restructure team where team was responsible for preparing the loan contract for the existing customers
- Part of Settlements team where team was responsible for preparing the loan contract for the new customers
- Work allocation among team members
- LMI (Lender mortgage insurance) SPOC (Single point of contact) for the team
- Used to check LMI premium for team members to avoid Non Lending Loss.
Education
M.B.A. (Finance) -
NIMS University Jaipur, Rajasthan
B.A. -
Kanoriya Mahila Mahavidhyalaya, Jaipur, Rajasthan
XII -
Kendriaya Vidyalaya No. 1, Jaipur, Rajasthan
X -
Kendriaya Vidyalaya No. 6, Jaipur, Rajasthan
Skills
- AML
- KYC
- CDD
- EDD
- PEP
- Negative media
- Sanctions
- Transaction Monitoring
- Fraud & Risk Management
- Training
- Quality Audit
- Team handling
- Analytical & Critical Thinking
- Team Player
Personal Information
- Husband's Name: C L Sharma
- Date of Birth: 09/08/1986
- Gender: Female
- Marital Status: Married
Languages
English, Hindi
Timeline
Senior Analyst B6 (Team Lead)
Deutsche Bank Group
2022.01 - Current
Process Developer (Mortgage Underwriter)
Genpact India Ltd
2008.09 - 2021.12
M.B.A. (Finance) -
NIMS University Jaipur, Rajasthan
B.A. -
Kanoriya Mahila Mahavidhyalaya, Jaipur, Rajasthan
XII -
Kendriaya Vidyalaya No. 1, Jaipur, Rajasthan
X -
Kendriaya Vidyalaya No. 6, Jaipur, Rajasthan
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