Naga Bharath Kumar T

Over 7+ years of experience in compliance, KYC analyst, BA /KYC Validation and investigation expertise performed in KYC due diligence/AML/CDD/EDD on customer accounts. Investigating of international clients using AMLOCK and FIRCOSOFT tools for suspected frauds.

• Performed Quality Control (QC) in the project and responsible for identifying errors, process flaws and providing feedback to the team accordingly.
• Timely review of low to high-risk clients as part of KYC remediation project, clients include listed and private companies, other entity types and funds in low to high-risk jurisdictions in accordance with the AML/KYC policies and procedures.
• Leader and manager with strong organizational skills, project orientation, and the ability to work effectively under pressure and stress.
• Identify problems/needs and initiate effective solutions.
• Possess hardcore knowledge in Retail Banking and Retail Asset services and products and well versed with Banking software Finacle(I-core),AMLOCK,FIRCOSOFT and FCRM.
• Effective communication plays key role in team; interact positively with a wide range of people, and establish relationships based on respect.

• Working as AML Analyst in ICICI Bank Ltd, International India Operations Group (IIOG), Singapore, South Africa, Bahrain, Dubai, IBU GIFT CITY Private Banking Team. We process end to end KYC of all clients and assist the client-facing teams to ensure all client KYC records are compliant with regulatory standards and will ensure high quality and timely completion of all client-level due diligence.
• The KYC Operations team will assist in end-to-end operational activities of new clients on boarding to the Bank and periodic renewals process of existing clients. Provides support with the drafting and gathering of client documents and verification of client data via publicly available and internal sources at a client level.
• This research is performed to ensure a client’s KYC profile is appropriately updated and if any discrepancies or issues with the profile, escalated to the appropriate line of business.

• Post Graduate Diploma In Banking And Finance | IMA 2016
• Btech From JNTA University , RGIT college ,Nandyal. |2010-2014

• Work includes review of checks, transaction monitoring, scrutinizing and verifying the new Relationship opening form, Account Opening and subsequent KYC (Individual and Corporate), due diligence, negative news search, analyzing Legacy Screening alerts.
• Conducting Enhanced due diligence process review on high-risk clients and maintain client & account documentation confidentially.
• Identification of beneficial owners/ natural persons, PEP, Legal representatives, other account controllers, Ownership structure to ensure the global quality of the KYC files according to the compliance rules and follow up with compliance/legal departments on queries and for Anti Financial Crime (AFC) approvals.
• Following the process/procedures of the bank and ensuring compliance to rules and regulations of the bank including latest circulars and notifications.
• Well versed with AMLOCK (World Check) and Fircosoft Trust application, which is used to screen client’s name, business / employer name, residential, and business operating countries etc.
• Efficient in disposing and escalating legacy and transaction monitoring alerts to next level with complete analysis report based on customer profile.
• Analyzed banking transaction activities (Inward and Outward remittances) as per ICICI AML Guidelines.
• Handling KYC Periodic Reviews, Remediation and Trigger Events
• Understand the firm’s KYC requirements when completing documentation inclusive of Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Local Due Diligence (LDD), Special Due Diligence and the Product Due Diligence Questionnaire (PDD). AML Risk, OFAC/Sanctions.
• Perform screening for all related parties (PEP, Sanctions and Negative news etc.)
• Prepare Risk rating tool based on regulatory status, OFAC and Sanction screening

• Onboarding of New clients through IDOS( ICICI Digital Onboarding System)-Integration with Icore
• Automation of Welcome letters for new clients on boarded
• Credit Performance Check System(CPCS)- Singapore for New clients IDOS( ICICI Digital Onboarding System)-Integration with Icore
• SFC - Selling Frame Work application development as per the Geo Compliance requirements in International Private Banking
• Id Expiry Letter Automation through WINSCP
• Data Quality Governance Testing - to comply with RBI Norms
• Certified Agile Business Analyst

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