Muniraj B
Senior Associate
Bengaluru,KA
Summary
Dynamic Senior Associate at WNS with proven expertise in team leadership and anti-money laundering compliance. Successfully mentored junior associates, enhancing client satisfaction through meticulous transaction analysis. Adept at managing competing priorities while fostering collaboration, resulting in timely project completions and improved operational efficiency.
Hardworking Senior Associate enthusiastic about take on exciting new challenges within the industries. Dynamic communicator with disciplined approach.
Overview
8
8
years of professional experience
5
5
Languages
Work History
Senior Associate
WNS
04.2025 - 07.2025
- Monitor daily transactions to detect suspicious or unusual activity.
- Review system-generated alerts, and conduct detailed investigations.
- Analyze customer profiles, KYC documents, and transaction history.
- Identify potential money laundering, terrorist financing, fraud, or sanctions risks.
- Prepare and escalate Suspicious Activity Reports (SARs/STRs) to Compliance.
- Ensure compliance with AML/CTF regulations and internal policies.
- Maintain accurate documentation and audit trails.
- Participate in rule tuning and reduce false positives.
- Support internal and regulatory audits.
Support Specialist
Revolut Technologies Pvt Ltd
07.2023 - 03.2025
- Monitor daily transactions to detect suspicious or unusual activity.
- Flag transactions that breach predefined thresholds, or risk parameters.
- Detect structuring (smurfing), rapid movement of funds, high-risk geographies, or unusual counterparties.
- Identify activities inconsistent with the customer’s known profile (KYC information).
- Investigate system-generated alerts, and determine whether the alert is a false positive or requires escalation.
- Escalate suspicious cases to compliance or AML investigation teams, and prepare Suspicious Activity Reports (SARs) or Suspicious Transaction Reports (STRs).
- Ensure compliance with AML/CTF regulations and internal policies.
Senior Representative
Concentrix Daksh Pvt Ltd
06.2022 - 06.2023
- Monitor all financial transactions and activities through the Transaction Monitoring (Automated Tool) AML system.
- Analyzed and evaluated KYC, CDD documents, and findings.
- Performed a detailed analysis of customers’ activities to detect unusual patterns, structuring, anomalies, and schemes in transactions and relationships across multiple businesses and bank accounts, as per AML/CFT regulations.
- Filing UAR/SAR in cases where required as per AML/CFT regulations to internal FIU.
- Ultimate Beneficial Ownership identification and Negative (Adverse) Media risks, and close monitoring of High-Risk Customers for EDD.
- Account protection – detecting fraud patterns, analyzing and reviewing scam trends, and working with vulnerable customers.
- Conduct an in-depth analysis and investigation of alerts generated by the AML Monitoring system, and ensure timely and effective disposition of the alerts.
- Responsible for observing any type of customer transactions to flag or identify any suspicious activity.
- Partnered with clients to give them the desired result in the best and most efficient way possible.
Team Leader
Paytm Payments Bank
10.2020 - 06.2022
- Handling a team of twelve members and preparing the roster on a weekly basis.
- Doing video calls with customers to verify customer details and documents uploaded by the customer in the Paytm app (VKYC).
- Scheduling a team meeting, providing new updates to the agents, and preparing training for those who are low performers.
- Encouraging and motivating the team to achieve their daily targets by providing appreciation, gift coupons, etc.
- Set performance expectations for the team, monitoring progress towards goals and providing constructive feedback as needed.
- Enhanced team productivity by implementing efficient work processes and regularly reviewing performance metrics.
Senior Operations Analyst
Paytm Money
08.2019 - 10.2020
- Verifying customer KYC details with submitted documents. Processing customer KYC and updating the customer details in the KRA portal.
- Clearing customer service queries regarding activating the customer’s account and KYC status in KRA.
- Enhanced KYC compliance by conducting thorough customer due diligence and risk assessments.
- Streamlined the onboarding process for new clients, resulting in more efficient account openings.
- Supported KYC processes for prospective and existing customers.
- Identified potential risks and red flags through comprehensive customer risk assessments, mitigating potential financial losses.
Senior Operations Executive
Two Roads Trading Pvt Ltd
11.2018 - 05.2019
- Taking care of onboarding operations and back-office work.
- Reconciliation of files received from the BSE.
- Rechecking the data files and uploading them to our database.
Senior Operations Executive.
Scripbox Advisors Pvt Ltd
04.2015 - 10.2018
- Taking care of the full client onboarding process.
- Worked in end-to-end client onboarding processes, such as customer KYC, bank verification, activation, bank standing instruction processing, and back-office creation.
- Wide experience in interacting with multiple stakeholders from business, customer care support, investment operations, and product managers to resolve customer issues. (Mutual fund industry)
- Handled customer account changes, such as bank name, address, and residence changes, which involve coordination between multiple RTAs and KYC agencies.
- Managing employee productivity to ensure peak and lean time load balancing (preparing and maintaining the team roster).
- Experience in handling operations of a third-party product, which involves collecting requests from customers for debit cards, processing the requests internally, coordinating, and following up with the third party to ensure the timely delivery of the product to the customer.
- Maintaining and tracking all the unresolved customer issues on a daily basis, and following up with the RTAs, KRAs, and TPSL team to bring those issues to closure. Receiving couriers from customers and maintaining a track report of customer documents, and scanning customer documents.
- Processing customers' KYCs through the online portal and following up with KRAs if it's on hold or rejected, and finding the solution for KYC hold/rejected.
- Processing the bank linking form and doing follow-up with TPSL for the bank linking form status.
Education
High School Diploma -
Sri Venkateshwara College
Bengaluru, India 04.2001 -
Bachelor of Commerce - Commerce
Vinayaka Mission University
Bengaluru, India 04.2001 -
SSLC -
Sri Rama Krishna Education Society
Bengaluru, India 04.2001 -
Skills
Computer skills
Problem-solving abilities
Adaptability and flexibility
Decision-making
Task prioritization
Anti-money laundering
Know your customer
Banking operations
Transaction analysis
Self motivation
Problem-solving aptitude
Due diligence
Transaction reviewing
Customer due diligence
Suspicious activity reporting
AML compliance
Timeline
Senior Associate
WNS
04.2025 - 07.2025
Support Specialist
Revolut Technologies Pvt Ltd
07.2023 - 03.2025
Senior Representative
Concentrix Daksh Pvt Ltd
06.2022 - 06.2023
Team Leader
Paytm Payments Bank
10.2020 - 06.2022
Senior Operations Analyst
Paytm Money
08.2019 - 10.2020
Senior Operations Executive
Two Roads Trading Pvt Ltd
11.2018 - 05.2019
Senior Operations Executive.
Scripbox Advisors Pvt Ltd
04.2015 - 10.2018
High School Diploma -
Sri Venkateshwara College
04.2001 -
Bachelor of Commerce - Commerce
Vinayaka Mission University
04.2001 -
SSLC -
Sri Rama Krishna Education Society
04.2001 -