Mridul Pandey
Bengaluru
Summary
KYC/AML professional with 13+ years of experience in global banking and financial services, specializing in client onboarding, remediation, and Quality Assurance (QA). Strong expertise in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), sanctions screening, and risk-based compliance frameworks. Proven ability to manage teams, improve operational processes, and ensure adherence to global regulatory standards (FATF, OFAC, MiFID II, FATCA, KYC, AML/CFT).
Overview
14
14
years of professional experience
Work History
Associate Manager
Deutsche bank
Bangalore
09.2022 - 11.2025
- Performed end-to-end quality control (QC) review of KYC files, including CDD and EDD, within client onboarding and periodic review processes, ensuring regulatory and policy compliance.
- Conduct risk-based due diligence and jurisdiction-specific local checks to validate client risk ratings.
- Act as primary escalation point for resolving complex stakeholder queries and KYC issues.
- Review and approve client outreach decisions based on risk triggers and compliance requirements.
- Manage team productivity, MIS reporting, and performance tracking dashboards.
- Handle complex client structures including Corporates, SPVs, Funds, NBFIs, and Guarantors.
- Deliver training sessions and knowledge transfer for new hires and team members.
- Drive process improvements to enhance efficiency, reduce turnaround time, and strengthen controls.
Team Leader
JP Morgan Chase & Co.
Bangalore
08.2017 - 09.2022
- Managed end-to-end client onboarding lifecycle, including reference data setup (SPN, ECID).
- Performed CDD, EDD, AML risk assessments, and client profiling across multiple jurisdictions.
- Conducted sanctions screening (OFAC), PEP identification, and adverse media reviews.
- Executed local due diligence (LDD) for UK, Germany, and France regulatory requirements.
- Applied MiFID II client classification and regulatory categorization frameworks.
- Performed transaction analysis to identify suspicious activities and risk trends.
- Utilized tools such as CDD, LexisNexis, World-Check, and internal AML systems.
- Led team operations ensuring quality, compliance, and productivity targets were met.
B1 Analyst (Maker Role)
WIPRO Ltd
Bangalore
09.2014 - 08.2017
- Conducted KYC remediation, periodic reviews, and onboarding for global clients.
- Applied Risk-Based Approach (RBA) to categorize clients (Low/Medium/High risk).
- Performed EDD, LDD, and specialized due diligence (SPDD) for high-risk clients.
- Executed PEP screening, sanctions checks, and adverse media analysis.
- Gathered client data using Bloomberg, LexisNexis, Bankers Almanac, and internal systems.
- Maintained high accuracy, quality standards, and productivity benchmarks.
AQM
IndusInd Bank Ltd
Bangalore
08.2011 - 12.2013
- Conducted credit risk analysis and KYC verification for lending portfolios.
- Evaluated financial statements and customer profiles for creditworthiness.
- Performed fraud detection and transaction monitoring.
- Generated MIS reports and risk analytics using Excel.
- Coordinated with collections teams for debt recovery and risk mitigation.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Education
Post Graduate Program in Management - PGPM (Finance & Marketing)
International School of Management Excellence
Bangalore01.2012
Bachelor of commerce - B.COM
University of Allahabad
Allahabad01.2010
Certificate of Technical Studies - Microsoft Excel, SQL, Power BI And Python With Gen
Hero Vired
Gurugram06-2026
Skills
- KYC / AML Compliance (CDD, EDD, LDD)
- Client Onboarding & Remediation
- Quality Control
- Sanctions Screening (OFAC, PEP, Adverse Media)
- Risk Assessment & Risk Rating
- Regulatory Compliance (FATCA, FATF, MiFID II, AML/CFT)
- Stakeholder Management & Escalations
- Team Leadership & Training
- Process Improvement & Operational Efficiency
- MIS Reporting & Performance Tracking
Timeline
Associate Manager
Deutsche bank
09.2022 - 11.2025
Team Leader
JP Morgan Chase & Co.
08.2017 - 09.2022
B1 Analyst (Maker Role)
WIPRO Ltd
09.2014 - 08.2017
AQM
IndusInd Bank Ltd
08.2011 - 12.2013
Bachelor of commerce - B.COM
University of Allahabad
Post Graduate Program in Management - PGPM (Finance & Marketing)
International School of Management Excellence
Certificate of Technical Studies - Microsoft Excel, SQL, Power BI And Python With Gen
Hero Vired
Technical Expertise
Python
Microsoft Office
Power BI
SAS Base
My SQL
Statistics & Data presentation