Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Languages
Timeline
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NISHIGANDHA BHANGALE

Mumbai

Summary

Detail-oriented AML/KYC professional, skilled in transaction monitoring and end-to-end KYC processes. Experienced in fraud detection, STR documentation, and ensuring regulatory compliance. Strong communicator with a collaborative approach to enhancing risk management and maintaining data accuracy.

Overview

4
4
years of professional experience
1
1
Certification

Work History

Analyst

WIPRO TECHNOLOGIES
Navi Mumbai
07.2021 - Current
Project 1: Foreign National Remediation
  • Performed Customer Due Diligence (CDD) for foreign national clients based on residency status, and basic risk indicators.
  • Processed remediation cases upon receipt of required documentation; sent up to three follow-up communications for outstanding items.
  • Temporarily restricted account activity and applied fund holds, in accordance with compliance procedures for non-compliant cases.
  • Identified and escalated potential fraudulent or forged documents to the offshore compliance team for further investigation.
  • Acted as a point of contact for clients, providing regular updates on documentation requirements, and account restrictions.
  • Supported internal and onsite teams by addressing KYC/AML-related queries, and ensuring clarity on compliance expectations.
🔹 Project 2: End-to-End KYC Operations
  • Supported end-to-end KYC processes, including onboarding, periodic reviews, and trigger-based reviews.
  • Collected and verified customer information, such as identity documents, address proof, and business details.
  • Ensured all data was accurately updated in internal systems before submitting cases for approval.
  • Coordinated with internal teams to resolve documentation issues and discrepancies.
  • Maintained compliance with internal KYC/AML policies and applicable regulatory requirements.
  • Gained hands-on experience with workflows involving PEP screening, sanctions checks, and adverse media reviews.
  • Prepared and maintained complete case files and audit trails for internal reviews and regulatory audits.

Digital Banking Ambassador

RBL BANK
Navi Mumbai
01.2021 - 06.2021
  • Monitored customer transactions to detect unusual or suspicious patterns, using AML transaction monitoring systems.
  • Conducted investigations on alerts related to structuring, high-risk countries, unusual cash activity, and rapid movement of funds.
  • Documented case findings and created detailed narratives for Suspicious Transaction Reports (STRs).
  • Collaborated with compliance and risk teams to escalate cases requiring further investigation or regulatory reporting.
  • Gained exposure to regulatory frameworks such as PMLA, FATF guidelines, and RBI compliance.
  • Ensured timely closure of alerts while maintaining high levels of accuracy and data integrity.

Education

Post Graduate Diploma - Banking and Finance

NIIT Institute
Mumbai
12.2020

Commerce

The S.I.A College
Dombivali, Mumbai
12.2020

Skills

  • Aml transaction monitoring
  • Customer Due Diligence (CDD)
  • KYC onboarding and periodic reviews
  • Suspicious transaction report (STR) preparation
  • Fraud detection and investigation
  • Sanctions screening and PEP checks
  • Adverse media screening
  • Regulatory compliance (PMLA, FATF, RBI guidelines)
  • Case management and documentation
  • Risk assessment fundamentals
  • MS Office (Excel, Word, Outlook)

Accomplishments

  • Promoted for consistent performance and dedication
  • Earned client recognition for timely and accurate handling of complex KYC remediation cases
  • Awarded Employee of the Quarter twice for exceeding compliance targets and supporting team goals

Certification

  • Completed Anti-Money Laundering (AML) and Combating Financing of Terrorism course (Udemy)
  • NISM Mutual Fund Distributors Certification (72%), demonstrating regulatory compliance expertise
  • Completed the Global KYC and AML Deep Dive course, enhancing international due diligence and risk assessment skills

Languages

Marathi
First Language
English
Intermediate (B1)
B1
Hindi
Proficient (C2)
C2

Timeline

Analyst

WIPRO TECHNOLOGIES
07.2021 - Current

Digital Banking Ambassador

RBL BANK
01.2021 - 06.2021

Post Graduate Diploma - Banking and Finance

NIIT Institute

Commerce

The S.I.A College

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