Nithinkumar Raju
Dubai
Summary
Results-driven AML & Financial Crime Analyst with 3+ years of experience across transaction monitoring, enhanced due diligence, regulatory reporting, and credit risk operations within global banking environments. Proven expertise in identifying complex financial crime typologies, strengthening compliance frameworks, and supporting regulatory bodies including AUSTRAC. Highly analytical professional recognized for accuracy, strong stakeholder collaboration, and continuous improvement of AML programs.
Overview
6
6
years of professional experience
1
1
Certification
Work History
AML Analyst
ANZ Bank
Bengaluru
09.2024 - Current
- Conduct financial crime investigations for high-risk customers in accordance with jurisdiction-specific AML/CTF regulations.
- Performed enhanced due diligence (EDD) and complex risk assessments supporting regulatory reporting to AUSTRAC.
- Identified emerging financial crime typologies and strengthened transaction monitoring effectiveness across high-risk portfolios.
- Executed ongoing customer account reviews, detecting suspicious behavior and escalating cases for regulatory reporting.
- Collaborated with cross-functional stakeholders to resolve escalated alerts and improve investigation turnaround time.
- Contributed to continuous improvement of AML frameworks by sharing intelligence on evolving criminal methodologies.
- Reviewed customer profiles to identify suspicious activities and transactions.
- Collaborated with other departments to ensure accuracy of customer data across systems.
Credit Analyst
ANZ Bank
Bengaluru
03.2023 - 08.2024
- Assessed credit risk through detailed analysis of financial statements, borrower profiles, and credit histories.
- Conducted preliminary risk checks and verified documentation supporting accurate credit decisions.
- Reviewed credit reports and identified red flags to minimize organizational risk exposure.
- Ensured strict adherence to internal policies and regulatory requirements through comprehensive documentation.
- Collaborated with relationship managers and underwriting teams to support profitable lending decisions.
- Prepared detailed reports on credit analysis findings for management review and decision-making.
- Analyzed credit applications to assess risk and determine eligibility.
- Communicated with clients to gather necessary information for credit evaluations.
Senior Banking Loan Operations Analyst
ANZ Bank
Bengaluru
10.2021 - 02.2023
- Performed end-to-end loan processing including document verification, data validation, and risk assessment.
- Managed high-volume loan applications ensuring accuracy, compliance, and timely processing.
- Led new operational projects and real-time team planning improving processing efficiency and quality controls.
- Liaised with loan brokers to obtain required documentation and resolve discrepancies.
- Collaborated with cross-functional teams to streamline project management and communication.
Process Associate
Xome Services Ltd
Bengaluru
08.2019 - 02.2021
- Created mortgage settlement statements for U.S. loan closings (MSS).
- Reviewed loan documentation, calculated payoffs, and assessed borrower credit risk.
- Supported loan servicing operations ensuring compliance with U.S. mortgage regulations.
Education
MBA - Finance And HR
BIMS
Bengaluru12-2023
Bachelor of Commerce - Accounting And Finance
ASC DEGREE COLLEGE
Bengaluru05-2019
Skills
* Anti-Money Laundering (AML)
- Financial crime investigation
- Enhanced due diligence
- Risk assessment
- Transaction monitoring
- Credit risk analysis
- Documentation accuracy
- Suspicious activity reporting
- Know your customer
- Customer due diligence
- AML regulations
Transaction Monitoring
Enhanced Due Diligence (EDD)
Sanctions Screening
Suspicious Transaction Reporting (STR / SAR)
KYC & CDD
Financial Crime Risk Assessment
Regulatory Compliance
Risk Typology Analysis
Credit Risk Assessment
Stakeholder Engagement
Compliance Framework Enhancement
Certification
Anti Money Laundering & Countering of Terrorist Financing
Timeline
AML Analyst
ANZ Bank
09.2024 - Current
Credit Analyst
ANZ Bank
03.2023 - 08.2024
Senior Banking Loan Operations Analyst
ANZ Bank
10.2021 - 02.2023
Process Associate
Xome Services Ltd
08.2019 - 02.2021
MBA - Finance And HR
BIMS
Bachelor of Commerce - Accounting And Finance
ASC DEGREE COLLEGE