Manoharika Kuppli

• Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
• Performed Quality Control reviews of customer's Corporate’s including CIP,CDD and EDD
• Ensure KYC has been accurately completed in accordance with quality standards and time frames set within established Policy, Procedures, Standard and Operating manual
• Reviewed OFAC alerts generated to identify alerts that can be either cleared or actioned to the BSA Officer.
• Adhere to and comply with all applicable, federal and state laws, regulations and guidance, including those related to Anti -Money Laundering (i.e Bank Secrecy Act, USA PATRIOT ACT, OFAC etc), as well as adhering to company policies and procedures.
• Analyzed quality and performance data to support operational decision-making.
• Performed Quality Control reviews of AML /KYC profiles created by Onboarding team to determine if review and research were conducted in accordance with Quality Standard and timeframes set for within established procedures, bank policy and regulatory requirements
• Investigated potential clients, individual and cooperate financial activities suggestive of possible anti-money laundering, utilizing research and analysis of public records, commercial database, global media sources and internet
• Ensure alert and case determination is appropriate, fully supported and clearly documented before providing approval.

• Responsible for opening, amending, reviewing and exiting clients according to established policies and procedures, retrieving missing information from the customers and also review client's transactions to detect and report either proposed or completed unusual transactions.
• Effectively conducted AML KYC formality reports on questionable accounts and transactions.
• Deals with customer identify and address verification and also update required information like country of birth, address, country of permanent residence, and employment details onto customer review tool with the information available in core banking system (HUB).Experience in navigation on HUB, reviewing customer data and updating if anything is missing. Also Experience of checking customer transactions in hub and identifying any transactions not in line with the customers profile.
• Performed Sanctions, Negative News Screening and PEPs identification.
• Effectively conducted AML KYC formality reports on questionable accounts and transactions.

RBWM – CMB

• From September 2017 was migrated to an internal process Commercial Banking where in the KYC review is done for the entities and acted as an SME.
• Complete end to end customer due diligence based LOB procedures for all client types – which includes simple sole traders to highly complex entities like Large Corporates, Trust, Partnerships and HUF.
• Updating and maintaining Commercial Banking (CMB) customers, Know Your Customer (KYC) profiles in compliance with Line of Business (LOB) procedures & AML policies at on-boarding, periodic reviews & trigger review stage
• Review all applicable documents (such as Certificate of Incorporation, Articles of Association, Corporate Resolutions, Memorandum of Association, Ministry of Corporate Affairs websites, Trust Deeds etc.) to complete the Identification and Verification of client and Correctly identify all the Connected Parties like Beneficial Owners/ Directors/ Key Senior Officers/ Settlors/ Trustees/ Protectors/ Guarantors/ Beneficiaries/ Authorized Signatories by deciphering complex ownership structures for all client types
• Co-ordinate with front line (RM/Middle office) to obtain relevant information for discrepancy resolution.