Naresh Rathlavath

• Led end-to-end quality checks for KYC reviews across various client segments (CIB, CB, CCIB) and entity types for a UK-based bank, ensuring adherence to SCB corporate standards, country-level regulations, and global compliance policies (AML, BSA).
• Conducted quality assessments on finalized KYC files under an established framework, achieving consistent service-level targets and elevating compliance accuracy.
• Possess comprehensive understanding of KYC operations, including CIP/CDD policy requirements, UBO/Controllers IDV, business profiling, fund tracing, and watchlist screening (Sanctions, PEP, adverse media, and other risk indicators).
• Maintained organized and accurate compliance documentation aligned with internal audit expectations and regulatory needs.
• Collaborated with makers and cross-functional stakeholders to facilitate timely and compliant completion of KYC profiles.
• Played a key role in high-priority project delivery through a hands-on approach—ensuring regulatory objectives were met with precision and agility.
• Reviewed internal policies and training procedures for alignment with global regulatory frameworks, including OFAC/HMT, SAR protocols, and KYC regulations.
• Analyzed behavioral evidence across tools to validate customer activity and determine legitimacy, contributing to proactive risk mitigation.
• Supported incident monitoring and ensured timely resolution within service levels.
• Mentored and guided team members in conducting deep-dive investigations using vendor data and open-source intelligence to remediate compliance alerts.
• Created feedback loops between analysts and management to strengthen performance and elevate review quality

• Conducted end-to-end quality reviews of KYC profiles for U.S.-based Wealth Management, Private Banking, and enterprise-wide client segments, spanning global jurisdictions and entity types.
• Responsible for executing Suspicious Activity Monitoring (SAM) across diverse scenario-based alerts—including High-Risk Jurisdictions (HRJs), Sanctions exposure, Politically Exposed Persons (PEPs), Gaming and Gambling entities, Charitable/Non-Profit Organizations (NPOs), watchlisted accounts, transaction structuring, and marijuana-related business activities. Ensured thorough analysis, regulatory compliance, and timely escalation for risk mitigation.
• Investigated AML/KYC alerts and transactional patterns in alignment with Bank Secrecy Act (BSA) compliance requirements. Conducted detailed case reviews, performed comprehensive due diligence, analyzed Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs), and prepared escalation narratives with rigorous documentation and risk analysis.
• Verified Ultimate Beneficial Owners (UBOs), Grantors, and Donors using EDD documents, banking decks, and official filings (e.g. Memorandum of Association, Confirmation Statements), ensuring regulatory accuracy.
• Led compliance screening for Sanctions, PEP, and adverse media using structured procedures; formally documented findings and escalated issues for swift resolution.
• Completed time-sensitive investigations into financial crime risks across countries and product lines, applying advanced analytic techniques to detect suspicious behavior.
• Produced insights and dashboards for senior management through presentations detailing transaction trends, risk concentrations, and regulatory exposure.
• Reviewed reports to extract trends, key risk indicators, and areas of concern for targeted remediation and process enhancements.
• Acted as Internal Sanctions SME, conducting meticulous reviews of customers with potential sanctions exposure; responsible for preparing Sanction Exposure Questionnaires and ensuring compliance with OFAC guidelines.
• Mentored junior analysts and cross-reviewed complex cases to uphold investigatory accuracy, consistency in decision-making, and optimal operational turnaround

· Good at understanding how important the customer is to the Bank in all aspects and reviewing the profiles as per KYC procedures laid down internally meeting the global standards within the limits of Global financial regulations. Finding the risk associated with the customers by understanding the parameters like demographic details, type of business and background of the customers in all available sourcesWorking on different customer types and having a working knowledge of CDD, EDD, FATCA, NNS checks, and AML guidelines.s.

· Performed Enhanced Due Diligence (EDD) on consumer and business banking clients using tools such as LexisNexis, Bloomberg, Factiva, Google, World-Check, and Fenergo to validate risk profiles and UBOs.

· Conducted transactional analysis to identify patterns, trends, and potential suspicious or high-risk activities across diverse customer segments.

· Executed global KYC screenings and documentation per regulatory procedures, ensuring compliance with AML guidelines, OFAC sanctions, CIP, and customer monitoring frameworks.

· Improved and implemented customer risk rating models, enhancing risk stratification accuracy for both retail and corporate clients.

· Led investigations into flagged AML/KYC alerts and transactional anomalies, conducting SAR/CTR reviews and preparing thorough escalation narratives with regulatory substantiation.

· Managed requests under the USA PATRIOT Act, assisting in regulatory reporting and inquiry resolution for the compliance department.

· Reviewed client accounts, loan applications, and profile data for completeness, accuracy, and fraud prevention in alignment with institutional standards.

· Acted as Subject Matter Expert (SME) and Sanctions Investigator, specializing in customers with exposure to global sanctions and trade restrictions.

· Delivered detailed investigations of sanction-related cases, including exposure to OFAC, HRJs, PEPs, marijuana-related businesses, watchlisted entities, and charitable/NPOs.

· Conducted Sanction Exposure Questionnaire analysis and led end-to-end reviews to assess legal and reputational risk across jurisdictions.