NITHIN KUMAR RAJU

• Investigation of Anti-money laundering/ Counter-terrorism Financing activity in line with country specific requirements along with Regulatory reporting of suspicious activity according to the country specific requirements.
• Enhanced customer due diligence in line with country specific requirements, KYC requirement checks.
• Assess recommend and/or implement customer risk management controls as well as application of the above processes to complex investigation and risk typologies. Handling the fin crime analysis for high-risk customer.
• Reporting of suspicious activity to AUSTRAC (Australian Transactions Reports and Analysis Centre).
• Part of Mekong Club which helps me in learning the advancements in money laundering methods being used by criminals.
• Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents.
• Collaborated with cross-functional teams to address complex issues arising from financial crimes investigations.
• Strengthened AML compliance by conducting thorough risk assessments and monitoring transactions.
• Enhanced team collaboration with regular communication, sharing best practices, and providing feedback on performance.
• Performed ongoing reviews of customer accounts, identifying changes in behavior indicative of potential money laundering risks.
• Maintained up-to-date knowledge about emerging trends in financial crime, sharing insights with team members for continuous improvement initiatives.
• Conducted due diligence investigations to mitigate potential risks associated with high-risk customers.
• Improved reporting accuracy by meticulously reviewing customer profiles and transaction activities.
• Participated in industry conferences and workshops to stay informed of best practices and emerging trends in AML compliance.
• Actively contributed to the continuous improvement of the organization''s AML program by sharing experiences, knowledge, and lessons learned with team members.

• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Analyzed credit scores to determine borrowers' creditworthiness.
• Attended credit-related training and conferences to stay informed about industry trends and developments.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
• Gathered loan documentation for underwriting.
• Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
• Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking.
• Strengthened credit department's reputation for excellence, facilitating acquisition of new business clients.
• Investigated and resolved customer disputes related to credit decisions.
• Maintained compliance with applicable regulations and laws governing consumer credit.

* Initial review of the loan application making sure all the required information and documents are intact for the credit assessment team.

* Data verification validating of the documents with the data provided.

* Preliminary risks checks.

* System input and notes.

* Having a conversation with the loan broker for the required documents.

* Attention to detail.

* Have maintained new projects and real time management and planning for the team

• Creation of Settlement Statement for Loans on US Mortgage (Closing -MSS). Financing US customers’ mortgages and assessing the documentation for Calculation Payoff. assessment of credit risk and loan servicing oversight.