Work Preference
Summary
Overview
Work History
Education
Skills
Languages
Certification
Accomplishments
Notable Accomplishments
Personal Information
Timeline
Generic
PANNEER SELVAM
Open To Work

PANNEER SELVAM

Bengaluru

Work Preference

Job Search Status

Open to work
Desired start date: Flexible

Desired Job Title

Associate Manager, Assistant Manager, Client Onboarding Specialist, AML Specialist - FCSU, Process Associate -AML- KYC,

Work Type

Full Time

Location Preference

Hybrid
Location: Bengaluru, Karnataka
Open to relocation: Yes

Summary

Seasoned Financial Crimes Specialist with 12+ years of experience across Transaction monitoring, CDD/EDD, SAR/ISTR and Internal Quality control(IQC) and Solid background in financial investigations, risk assessment, and regulatory compliance. Strong ability to analyze complex data sets and identify suspicious activities or transactions. Proven success in implementing preventative measures in previous work to minimize financial crime risks. Equipped with top-notch problem-solving skills and adept at fostering robust client relationships while maintaining commitment to ethical standards.

Overview

2
2
Languages
1
1
Certification
5
5
years of post-secondary education
13
13
years of professional experience

Work History

Associate Manager,

Ernst & Young (EY)
Bangalore
05.2025 - Current
  • Perform detailed transaction analysis for high-risk accounts to detect structuring, mule activity, smurfing, and other complex money laundering typologies.
  • Monitor and analyze alerts generated from the SAS AML Transaction Monitoring System, ensuring accurate case reviews, escalation, or closure based on regulatory standards.
  • Review and assess customer documentation (Emirates ID, passports, trade licenses, tenancy contracts, ownership structures) for both retail and corporate clients.
  • Conducted case-level investigations and raised additional RFI/EDD to enhance compliance decision-making.
  • Performing internal quality control (IQC) reviews to validate alert level investigations conducted by AML analysts.
  • Reviewing alert closure narratives, supporting documentation and Risk rationales to ensure adherence to Risk Based Approach (RBA) standards.
  • Assessing accuracy, completeness and consistency of alert dispositions (TP/FP/RFI/Escalations) in line with FAB policies and UAE Central Bank AML regulations.
  • Detected quality gaps in compliance processes, procedural deviations, and recurring errors; provided structured feedback for remediation and quality improvement.
  • Maintained consistent application of AML standards across cases of AML typologies, red flags, and escalation thresholds across all cases.

Assistant Manager,

WNS Global Services India
Chennai
08.2024 - 05.2025
  • Monitored SAS AML System and conducted reviews to close alerts or initiate further investigation by requesting additional RFI/EDD/ISTR from the business for profiles with low business comfort.
  • Transaction monitoring for individual and entities account checks done for red flag for finding and reporting the illicit funds which are identified through multiple scenarios/ typologies.
  • Structuring Mule account patterns associated check for Shell and front companies for business accounts, mass payment transaction, similar amount of cash deposit, withdrawal in different geographical locations, frequent account opening and closing activity, High velocity wire transfers, High value manager's cheque deposits. Rapid movement of funds, Numerous cash withdrawals, Transaction credit turnover breach, Multiple ATM cash usage, Transaction in similar value, Inactivity account with sudden active operations in dormant account, smurfing cash deposits, large wire transfer debit/credit, High velocity funds inflow & outflow, large value cash deposits. Transaction dealing with high-risk countries. Loan availed and settled within a short period. Unregistered/ non-licensed MSB and exchange house/ Hawala transfer. Third party payments and informal loans from various unknown individuals.
  • Documents reviewed for individuals like Emirates ID, Passport copy, Visa copy, FATCA checklist, salary certificate, other bank account statements for all currencies and etc.
  • Monitored activities for potential fraud cases to ensure adherence to regulatory standards. for fraud detection and prevention by abiding and following the process SOP with central bank of UAE and FIU Financial Intelligence Unit UAE.
  • Assisted and provided information to support Suspicious Activity Reports (SAR) and Currency Transaction Reports.
  • Name screening for PEP associates individual and companies / Reverse screening through Fircosoft & world check for individual, vessel, entity for True HIT potential match.
  • Conducting sanction checks through public domain searches for any adverse/ negation for focal entity or individual/ ownership structure/ individuals associates/ entities associates.
  • Highlight any Compliance Policy breaches, Financial Crimes concerns or suspicions.
  • Managed 10-15 members of a team, TM/CDD/EDD KYC analysts and oversaw their work to ensure it is of the highest production and quality standards.
  • Ensure that the team operates efficiently, adheres to procedures and the group's best practice and policy.
  • Identify special training needs that may benefit team members to increase team efficiency and quality.
  • Lead the team, making sure that they remain engaged and measure their performance on an ongoing basis and Demonstrate ability to Lead and Motivate individuals within a pressurized environment.
  • Proactively highlight potential issues to management and Identify root causes, understand connections and implications, and evaluate alternatives.
  • Works with direct manager and local market leadership to maintain proactive management of client escalations, issues and other items that require special handling related to task completion.
  • Compiled and submitted management information system updates to onshore management. to the onshore management and running governance calls Monitoring the queue movements in Bank system.
  • Ensuring that high quality standards are maintained for all TM alerts that are approved and submitted by the individual in line with the productivity targets for each jurisdiction and Performance Level Agreement.
  • Facilitated regular team meetings to promote effective communication, scheduling and reviewing team tasks for accuracy and completeness.

Client Onboarding Specialist,

CitiCorp Services India
Chennai
02.2023 - 08.2024
  • Conducted end-to-end reviews and risk assessments for low, medium, and high-risk clients, ensuring policy compliance for APAC and Middle East regions.
  • Conducting end-to-end reviews on Low, Medium and High-Risk Clients and also performing risk assessment associated with the client and satisfying policy requirements for APAC and Middle East regions.
  • Reviewed all required AML/ KYC Regulatory requirements for all clients and analyzed any transactions that appear unusual based on the customer's profile and notified FinCEN request.
  • Reviewed all required AML/ KYC Regulatory requirements for all clients and analyzed any transactions that appear unusual based on the customer's profile and notifying FinCEN request.
  • Prepared KYC Due Diligence profiles on a wide range of entity types (Trusts, LLC & Partnerships and Corporations).
  • Ensuring compliance with all AML laws, regulations, guidelines, written procedures; OFAC, CIP, KYC, CDD, EDD customer/transaction monitoring with a risk-based approach.
  • Screening of high-risk related parties (including negative news and PEP/Sanctions screening using World Check) to ensure appropriate ongoing monitoring of high-risk relationships.
  • Renewed KYC remediation forms to ensure compliance with regulations. and final risk score rating for the business and individual account profile.
  • Coordinated with internal partners across Front, Middle, and Back Office to gather necessary information and documentation for client onboarding and KYC processes.

AML Specialist - FCSU,

Standard Chartered GBS India
Chennai
06.2016 - 02.2023
  • Identified multiple significant cases, red flags & patterns associated with the laundering of illicit funds. Review and investigate Alerts generated by the system. Recognize red flags for wire cases.
  • Conduct additional research/review of transactional history as necessary in determining the correct disposition for the Alerts and/or request additional information from the TM Investigator if gaps exist in the documentation or research submitted with their recommended disposition.
  • Conducted research and reviewed transactional history to determine correct disposition for alerts, requesting additional information from TM investigator when documentation gaps existed.
  • Provided final disposition of alerts, closing or escalating cases as necessary.
  • Assisted Transaction Monitoring Team Lead and QA with case investigations and SAR drafting.
  • Written procedures based on the findings and Formality reports on questionable accounts and transactions.

Process Associate -AML- KYC,

Tata Consultancy Services
Chennai
11.2013 - 11.2015
  • Conducted KYC documentation for individual customers to ensure compliance with regulatory standards.
  • Approve new and existing accounts based on reviews of the client KYC documentation.
  • Verify and validate all the documents as per the group procedure and perform GNS check.
  • Review and approve all low-risk KYC client profiles to ensure all required KYC documents and information were obtained in accordance with the Customer Identification Program.
  • Performed adherence to FATCA and CRS checks to ensure compliance with international tax regulations.

Education

MBA - Banking and Finance

Alagappa University
Karaikudi
01.2012 - 01.2014

Bachelor of Science - Chemistry

The American College
Madurai
06.2007 - 01.2010

Skills

  • Anti-Money Laundering (AML)
  • AML compliance
  • KYC (Know Your Customer)
  • EDD (Enhanced Due Diligence)
  • Fraud Detection & Prevention Techniques
  • Risk Assessment & Mitigation
  • Regulatory Compliance
  • Financial Regulations
  • Suspicious Activity Report (SAR)
  • Transaction Analysis / Screening
  • Transaction monitoring
  • Internal Quality Control (IQC)
  • Client onboarding

Languages

English
Advanced (C1)
C1
Tamil
First Language

Certification

  • Globally Certified KYC Specialist (Go-AKS) - Association of Certified KYC Specialist
  • ICA Certificate in Anti Money Laundering - International Compliance Association

Accomplishments

  • • GDS User Recognition and Squad Extrodinaire Award from EY.
    Bagged C3 Innovator Award: Awarded for Leading a Project completion with NIL Defects in a stipulated time frame. (CMLCO Exit process) Standard Chartered Global Business Service Pvt. Ltd.
    Bagged Citi Gratitude Silver Award from Onshore team for exceeding the client expectations.
    Got appreciation from RM for displaying hard work and extensive knowledge through whole process in terms of avoiding client complaints.

Notable Accomplishments

3

Personal Information

3

Timeline

Associate Manager,

Ernst & Young (EY)
05.2025 - Current

Assistant Manager,

WNS Global Services India
08.2024 - 05.2025

Client Onboarding Specialist,

CitiCorp Services India
02.2023 - 08.2024

AML Specialist - FCSU,

Standard Chartered GBS India
06.2016 - 02.2023

Process Associate -AML- KYC,

Tata Consultancy Services
11.2013 - 11.2015

MBA - Banking and Finance

Alagappa University
01.2012 - 01.2014

Bachelor of Science - Chemistry

The American College
06.2007 - 01.2010

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