Monish N S
Chennai
Summary
Analytical professional with technical knowledge and critical thinking skills to thrive in data-driven environments. Tackles challenges with positivity and drive to overcome. Works great alone or with others and consistently exceeds expectations.
Overview
5
5
years of professional experience
3
3
Certifications
3
3
Languages
Work History
SENIOR EXECUTIVE – Fraud and Risk Analyst
STRAIVE (SPI Technologies India Limited)
12.2025 - Current
- Detect and investigate fraudulent transactions, including account takeovers (ATO), triangulation fraud, and emerging e-commerce threats.
- Analyse complex transaction patterns and customer behaviour to assign an accurate Customer Risk Score, identifying high-threat actors before they impact the bottom line.
- Utilize a comprehensive Risk Matrix to evaluate the severity of threats and prioritize investigations based on potential financial and reputational impact.
- Operate and optimize fraud detection platforms (e.g., Signifyd, Forter) to review flagged transactions and make high-stakes, risk-based decisions.
- Assist in fine-tuning scoring logic and configuring fraud rules to reduce false positives while maintaining a strict defence against fraud losses.
- Evaluate Product Risk by identifying specific inventory or services that are being targeted by coordinated attack patterns.
- Ensure all investigative actions align with global financial regulations, AML (Anti-Money Laundering) policies, and internal risk frameworks.
- Assess Jurisdiction Risk by monitoring geographical fraud trends and ensuring compliance with regional regulatory standards and reporting requirements.
- Maintain meticulous documentation of fraud cases and resolutions for internal reporting and regulatory audits.
- Coordinate with chargeback teams, financial institutions, and payment operations to link fraud patterns with post-transaction disputes.
- Work closely with Customer Support to resolve fraud-related issues, ensuring that risk mitigation doesn't compromise the legitimate customer experience.
- Support rapid incident response during fraud spikes, performing root cause analysis to develop long-term prevention policies.
SENIOR ANALYST – Transaction Monitoring
Teleperformance
04.2024 - 12.2025
- Alert Management & Monitoring: Perform daily reviews of rule-based alerts and identify unusual transactions that deviate from a customer's established profile.
- Deep-Dive Analysis: Utilize behavioral pattern analysis to detect complex money laundering schemes, including rapid movement of funds, structuring, or transactions involving high-risk jurisdictions.
- Financial Investigation: Analyse high-risk customer profiles by evaluating their Source of Funds (SoF) and Source of Wealth (SoW) to ensure all financial activity aligns with their declared economic background.
- Threshold Management: Identify and investigate instances of threshold breaches, including large deposits or withdrawals that trigger regulatory or internal compliance limits.
- Reporting & Escalation: Draft and file comprehensive Suspicious Activity Reports (SARs) and escalate high-priority cases to senior management or the Financial Intelligence Unit (FIU) when potential fraud or money laundering concerns are identified.
- Client Outreach: Coordinate with the Risk Management System (RMS) to contact customers for necessary documentation to clear suspicious transaction clarifications.
- Process Improvement: Participate in cross-functional meetings to refine AML procedures, improve data analysis techniques for trend identification, and stay current with evolving global regulations.
- Analytical Rigor: Proven ability to analyze complex financial transactions and relationships to detect potential terrorist financing or laundering activities.
- Data Driven: Experience using data analysis techniques to identify emerging trends in suspicious financial behaviour.
- Regulatory Knowledge: Deep understanding of AML/KYC regulations and the filing requirements for Suspicious Activity Reporting.
Assistant Manager
DCB Bank Ltd
02.2023 - 01.2024
- KYC & Entity Verification: Oversee the end-to-end review and verification of KYC documents for various customer types, including Individuals, HUF, Sole Proprietors, Partnerships, Companies, and Trusts.
- Regulatory Validation & Data Quality: Conduct rigorous Data Quality checks on legal documents and regulatory records, including OVDs, GST, MCA, PAN, CIBIL, CRILC, and NESL data.
- Advanced Screening & Risk Management: Perform comprehensive Watchlist screening and Sanction screening against regulatory lists using specialized software.
- Execute PEP screening (Politically Exposed Persons) and identify High-risk customers during the onboarding process.
- Validate Source of Funds (SOF) and Source of Wealth (SOW) for enhanced due diligence.
- Process Advisory & Technical Support: Act as a process advisor for branches across India, providing technical guidance on the CUBE and ZIPPI account opening platforms.
- Problem Resolution: Resolve complex branch inquiries and supervise escalated issues, ensuring seamless service delivery to branch staff and the broader Operations team.
- Lifecycle Management: Manage periodic Profile Updation and coordinate Customer Outreach initiatives to ensure records remain current and compliant.
- Reporting & Reconciliation: Manage fund reconciliation and prepare daily MIS reports for submission to the COO and CEO.
- Experience: Proven experience in KYC/AML operations within a banking or financial services environment.
- Technical Proficiency: Hands-on experience with Finacle, CUBE, and ZIPPI platforms is highly preferred.
- Knowledge: Deep understanding of regulatory guidelines surrounding Identity Verification and onboarding workflows.
- Analytical Skills: Strong ability to interpret complex legal documents and perform detailed financial data analysis.
Senior Executive – AML & compliance
Computer Age Management Services Ltd (CAMS)
01.2022 - 02.2023
- Alert Management & PSE Analysis: Process and conclude rule-based alerts within the Pythagoras Screening Engine (PSE). You will analyze system-generated hits to classify them as Relevant, Not Relevant, or Unclear based on a deep-dive investigation of the customer profile.
- Sanction & Watchlist Screening: Conduct rigorous Sanction Screening and Watchlist Screening against global databases, including OFAC, FATF, UN Sanctions, and EU Sanctions. This includes performing PEP Screening to identify Politically Exposed Persons and managing investor blacklisting/whitelisting as per UNSC and regulatory circulars.
- Transaction Monitoring & Investigation: Monitor domestic and international transactions to detect a Threshold Breach or an Unusual Transaction that deviates from established behavioral patterns.
- EDD & Risk Assessment: Perform Enhanced Due Diligence (EDD) for any High Risk Customer. This involves validating the Source of Funds (SOF) and Source of Wealth (SOW) to ensure legitimate wealth accumulation and fund movement.
- Regulatory Reporting: Identify, draft, and file Suspicious Transaction Reports (STRs) via eSTR and AMFI-prescribed parameters when suspicious activity is detected.
- Compliance & Intelligence: Execute negative news screening (Adverse Media) to identify potential reputational risks. Prepare and submit comprehensive FIU reports to ensure 100% regulatory compliance for all client entities.
- Expertise in Pythagoras Screening Engine (PSE) or similar AML software.
- Strong understanding of FATF recommendations and OFAC regulations.
- Analytical mindset capable of distinguishing between legitimate commerce and complex money laundering patterns.
- Experience in SOW/SOF verification for High-Net-Worth (HNW) and institutional clients.
Researcher – DATA
The Deal India Pvt Ltd
06.2021 - 01.2022
- Analyzed corporate annual reports and ownership structures (UBO’s) for investment purposes.
- Provided clients with subscription-based corporate data for informed decision-Making.
Education
Executive MBA - Finance
Loyola College
12-2023
Bachelor of commerce - undefined
D.G Vaishnav College
05-2018
Skills
Documentation And Reporting
Regulatory knowledge
Data Analysis
Operational Reporting
Transaction monitoring
KYC
Communication
Team work
Presentation
Time management
Critical thinking
AML
Certification
Tally ERP & Advanced Office Automation – Apollo institute of Technology, Chennai (Sep 2017)
Accomplishments
- Handled a team case auditing before submission after progressing my TAT cases for the day in Teleperformance.
Strengths
- Client Relationship Management (CRM)
- Comprehensive problem-solving abilities
- Team facilitation and Management
- Spirit planning
- Decision making
- Conflict resolution
- Handling complication cases.
Timeline
SENIOR EXECUTIVE – Fraud and Risk Analyst
STRAIVE (SPI Technologies India Limited)
12.2025 - Current
SENIOR ANALYST – Transaction Monitoring
Teleperformance
04.2024 - 12.2025
Assistant Manager
DCB Bank Ltd
02.2023 - 01.2024
Senior Executive – AML & compliance
Computer Age Management Services Ltd (CAMS)
01.2022 - 02.2023
Researcher – DATA
The Deal India Pvt Ltd
06.2021 - 01.2022
Executive MBA - Finance
Loyola College
Bachelor of commerce - undefined
D.G Vaishnav College