Megha Raj
Gurgaon
Summary
Banking professional with 8+ years of experience , Seeking a challenging role in AML/KYC and compliance where I can leverage my banking experience, regulatory knowledge, and risk management skills to contribute to organizational growth and compliance excellence.
Overview
8
8
years of professional experience
Work History
Manager - Operation
Mahindra and Mahindra Finance Ltd.
01.2025 - Current
- Ensured 100% compliance with regulatory norms, internal KYC/AML policies, and RBI guidelines for loan disbursals and customer onboarding.
- Monitored high-value transactions, flagged discrepancies, and escalated potential suspicious activities to the regional compliance team.
- Spearheaded branch-level risk mitigation, assessed borrower profiles, and identified early warning signals in loan repayments.
- Conducted regular audits of customer files (PAN, Aadhaar, Income Proof, Ownership records) to ensure authenticity and regulatory compliance.
- Achieved 98%+ compliance score in surprise audits with a team of 5.
Deputy Manager (Service Manager)
YES BANK LTD, India
08.2022 - 12.2024
- Managed a portfolio of 300+ high-net-worth clients with focus on KYC compliance and regulatory documentation.
- Elevated CASA account growth by driving adherence to KYC protocols in account opening and monitoring.
- Investigated and resolved escalated compliance-related issues and customer complaints, ensuring zero regulatory breaches.
- Built and maintained strong client relationships, driving growth in deposits and loan volume through compliance-driven engagement.
- Collaborated with cross-functional teams to identify compliance gaps, implement process improvements, and enhance audit readiness.
Assistant Manager (Branch Relationship Officer)
Axis Bank, India
09.2021 - 08.2022
- Authorized retail banking operations with responsibility for strict KYC/AML adherence and regulatory compliance.
- Handled account reconciliations, cash handling, staff loan accounts, and ensured compliance with banking regulations.
- Conducted risk-based reviews of customer accounts, timely responses to compliance queries, and ensured audit readiness.
Assistant Manager (Value Banker)
ICICI Bank Ltd.
10.2018 - 08.2021
- Accountable for expanding company's reach while ensuring compliance with RBI regulations.
- Monitored and reported on customer transactions, applying analytical skills to detect anomalies and meet compliance targets.
- Conducted internal audits, ensured accurate record-keeping for KYC, legal, and deceased cases.
- Provided compliance training to frontline staff on KYC and due diligence processes.
Education
Masters in Financial Management -
Narsee Monjee Institute
01-2024
Post-Graduate Diploma in Banking & Finance -
NIIT
01-2018
Bachelor of Commerce (Hons) -
Teerthanker Mahaveer University
01-2018
Intermediate -
DAV Public School
01-2015
Matriculation -
DAV Public School
01-2013
Skills
- KYC/AML Compliance
- Risk Management
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- Suspicious Transaction Monitoring
- STR/SAR Reporting
- Regulatory Compliance
- Audit Management
- Documentation Control
- Fraud Detection
- Relationship Management
- Client Servicing
- Banking Operations
- Regulatory Framework
- Portfolio management
- Attention to detail
Personal Information
Language-Hindi & English
Linkedin-https://www.linkedin.com/in/megha-sinha-149613168
Timeline
Manager - Operation
Mahindra and Mahindra Finance Ltd.
01.2025 - Current
Deputy Manager (Service Manager)
YES BANK LTD, India
08.2022 - 12.2024
Assistant Manager (Branch Relationship Officer)
Axis Bank, India
09.2021 - 08.2022
Assistant Manager (Value Banker)
ICICI Bank Ltd.
10.2018 - 08.2021
Masters in Financial Management -
Narsee Monjee Institute
Post-Graduate Diploma in Banking & Finance -
NIIT
Bachelor of Commerce (Hons) -
Teerthanker Mahaveer University
Intermediate -
DAV Public School
Matriculation -
DAV Public School