Nivethalakshmi N
AML Analyst
Guduvanchery
Summary
Dynamic Financial Crime Analyst with over 2.4 years of experience in fraud detection and risk assessment within financial services, along with 4 years of expertise in branch banking operations. Skilled in analyzing transaction patterns, conducting due diligence, performing KYC reviews, and escalating suspicious activities to senior management. Successfully handled alert reviews across multiple platforms. Adept at collaborating with cross-functional teams to enhance monitoring processes and ensure regulatory compliance. Known for attention to detail, strong analytical thinking, and a proactive approach to financial crime prevention.
Overview
10
10
years of professional experience
3
3
years of post-secondary education
Work History
L1 Investigator - US AML project
TATA Consultancy Services
01.2023 - Current
- Conducted detailed investigations into transactions to identify potential money laundering activities and anomalies in suspicious transactions, facilitating timely investigations and ensuring compliance with regulatory standards.
- Analyzed the flow of funds and identify those meeting the criteria for Currency Transaction Reports (CTRs) transactions based on detection scenarios to identify potential risks.
- Conducted end-to-end CDD to ensure compliance with AML laws, regulations, guidelines, and procedures.
- Performed checks to identify Politically Exposed Persons (PEPs), sanctioned individuals, and adverse information on entities to mitigate financial crime risks.
- Actively monitored and analyzed transaction patterns to identify potential smurfing (structuring), Round-Tripping, Inconsistent Customer Information activities designed to evade reporting thresholds.
- Documented brief descriptions of identified elements for each case to ensure thorough record-keeping.
- Conducted Enhanced Due Diligence on entities using resources like Google, LexisNexis, adverse search, Dun & Bradstreet, and RFI to identify the originator/ultimate beneficiary.
- Conducted sanctions and screening checks in accordance with regulatory requirements (OFAC, UN, EU lists), ensuring compliance with global KYC/AML standards and minimizing risk exposure.
- Requesting for RFI to look into additional data.
- Performed Quality Control (QC) on alerts reviewed by L1 makers, validating accuracy and completeness before closing alerts in the SAS platform.
- Reviewed and analyzed Quarterly and Monthly ACH alerts, ensuring compliance with internal monitoring procedures and regulatory requirements across various financial instruments.
- Escalated cases to Level 2 (L2) for further investigation when wire transactions involved sanctioned parties (entities/individuals), in alignment with OFAC guidelines and internal escalation protocols.
- Participated in monthly client review calls to discuss quality and process efficiency, supporting performance assessments, continuous improvement initiatives, and facilitating knowledge transfer sessions across teams.
Assistant Manager -Retail Banking Operations
ICICI Bank LTD
01.2015 - 01.2019
- Executed retail banking operations in strict compliance with banking norms and regulations.
- Developed expertise in retail banking operations, including proficiency in Finacle, compliance, and audit processes.
- Implemented banking processes and procedures to enhance operational efficiency and ensure adherence to regulatory standards.
Education
B. A. - English
LADY DOAK COLLEGE
01.2012 - 01.2015
Skills
- Analytical and Critical Thinking
- Thoroughness in task execution
- Regulatory compliance expertise
- Decision Making
- Quality Assurance
- SAR
- Team Handling
- NYC due diligence with efficient feedback
Additional Information
- Took initiative to lead team activities and successfully onboard new associates through structured training and mentorship.
- Maintained an error tracking record to identify recurring patterns and drive process improvements.
- Proactively implemented additional enhancements to optimize workflows and reduce time consumption.
Awards
- Awarded by a U.S. client for delivering exceptional service and maintaining high performance standards.
- Received for achieving the highest sales volume and driving significant revenue growth for the organization.
PROFESSIONAL OBJECTIVE
Seeking Challenging roles where my knowledge, skills and efforts can contribute to achieving the organization's goals and drive growth.
Timeline
L1 Investigator - US AML project
TATA Consultancy Services
01.2023 - Current
Assistant Manager -Retail Banking Operations
ICICI Bank LTD
01.2015 - 01.2019
B. A. - English
LADY DOAK COLLEGE
01.2012 - 01.2015
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