Mallesh Rathlavath
Financial Crime Investigator
Hyderabad
Summary
Detail-oriented AML/KYC and Transaction Monitoring professional with 4.8 years of experience in financial crime investigations and AML/CTF compliance. Specializes in end-to-end investigations, money flow analysis, SAR/STR reporting, and risk-based assessments aligned with BSA and global regulations. Expertise in identifying financial crime typologies and preparing defensible case narratives while collaborating with compliance teams to ensure regulatory adherence.
Overview
3
3
Languages
4
4
Certifications
5
5
years of professional experience
Work History
Financial Intelligence Unit Investigator
Revolut
08.2024 - Current
- Conduct end-to-end AML/CTF investigations and transaction monitoring reviews across the US, the UK, the EU, and global jurisdictions.
- Perform a detailed money flow analysis to identify suspicious transaction patterns, structuring, layering, mule account activities, and crypto-related fraud.
- Conduct sanctions, PEP, and adverse media screening using World-Check and LexisNexis, with clear rationale and documentation.
- Identify inconsistencies across customer profiles, documentation, and transactional behavior, applying risk-based judgment to assess financial crime risk.
- Perform UBO identification and ownership structure analysis, including Source of Funds (SoF), and Source of Wealth (SoW) assessments.
- Assign customer risk ratings, and escalate high-risk cases with structured and defensible case narratives.
- Prepare and file Suspicious Activity Reports (SARs) and Suspicious Transaction Reports (STRs) with clear, structured, and defensible case narratives, ensuring alignment with BSA, FinCEN, and internal compliance standards.
- Collaborate with compliance, risk, and legal teams to strengthen controls, and recommend process improvements.
- Analyzed transaction data using advanced analytical tools to identify patterns and mitigate risks effectively.
- Resolved complex cases by synthesizing information from multiple sources, leading to informed decision-making for risk management.
- Conducted comprehensive investigations into customer disputes and fraudulent activities, ensuring compliance with internal policies.
Quality Assurance Analyst
Wipro
07.2023 - 07.2024
- Executed quality reviews of KYC, CDD, EDD, and fraud investigation cases to ensure compliance with regulatory requirements and internal policies.
- Reviewed case documentation quality, affirming that narratives remain clear and defensible in accordance with audit and compliance standards.
- Analyzed emerging fraud patterns and trends, supporting proactive risk mitigation efforts for a top global technology client.
- Reviewed risk-based decisions related to risk rating designations, and escalation actions.
- Analyzed process shortcomings, and advocated for changes to elevate compliance effectiveness and operational efficiency.
- Promoted to quality analyst, spearheading improvements in investigation quality and audit standards across the team.
- Operated as a subject matter expert (SME) for challenging cases, directing analysts on regulatory standards and risk analysis.
- Implemented training sessions, strengthening team performance, compliance awareness, and documentation standards.
- Uncovered defects and collaborated with development teams for efficient resolution.
Fraud Analyst
Wipro
10.2021 - 06.2023
- Executed KYC verification, transaction analysis, and fraud investigations to uphold SOPs and regulatory compliance.
- Applied risk-based judgment to assess alerts and determine appropriate actions, including escalation and account restrictions.
- Achieved consistent 100% quality and SLA targets while managing high volumes of investigations.
- Managed high volumes of cases while consistently meeting SLA targets for quality and productivity.
- Conducted peer reviews to enhance accuracy and compliance with internal and regulatory standards.
- Analyzed fraud patterns, and communicated insights to facilitate proactive risk mitigation.
- Documented investigation findings in clear, structured case narratives.
Education
Bachelor of Commerce - Finacial Accouning
Kakatiya Degree College
Telangana 04.2001 -
Intermediate Education - Mathematics
Chaitanya Junior College
Telangana 04.2001 -
Secondary School Certificate -
Zilla Parishad
Andhra Pradesh 04.2001 -
Skills
KYC compliance
Risk assessment
Detailed report writing
Interview techniques
Ethical and honest
Fraud Detection
Transaction monitoring
Certification
Foundation in AML and KYC
Timeline
Financial Intelligence Unit Investigator
Revolut
08.2024 - Current
Quality Assurance Analyst
Wipro
07.2023 - 07.2024
Fraud Analyst
Wipro
10.2021 - 06.2023
Bachelor of Commerce - Finacial Accouning
Kakatiya Degree College
04.2001 -
Intermediate Education - Mathematics
Chaitanya Junior College
04.2001 -
Secondary School Certificate -
Zilla Parishad
04.2001 -