Poonam Gawde
Global KYC Analyst
Mumbai
Summary
Highly Skilled and detail oriented KYC/AML Analyst with proven track record in mitigating financial risks and ensuring compliance with regulatory guidelines. Holding the Certified Anti-Money Laundering Specialist (CAMS) and other certifications which reflect proficiency and dedication to the field. Proactive in staying abreast of evolving regulations, industry and best practices in AML and KYC.
Overview
10
10
years of professional experience
5
5
years of post-secondary education
4
4
Certifications
3
3
Languages
Work History
KYC Analyst
Wipro (CITI Bank)
Mumbai
08.2023 - Current
- Perfromed CDD and EDD on client on-boarding ,periodic review, trigger review for global corporate clients, counterparties and other parties subject to KYC guidelines.
- Performed screening on PEP, Negative Media, Sanction Countries
- Performed hands on tasks related to KYC and document validations end to end covering check & validation, system update, documents upload by using external sources (Lexis Nexis, Dun & Bradstreet, Bankers Almanac, regulators website, Covered stock exchange, etc.)
- Responsible to liaise with quality controllers and compliance teams for any issues.
- Identified system / process enhancement focusing on controls and efficiency and work with the IT teams to implement.
- Ensured that KYC Due Diligence package for client for new onboarding client or recertification of existing client is completed accurately and in timely manner.
- Assisted with bank's AML processes.
- Followed up with stakeholders and relationship managers when required for clarifications and missing information.
Specialist, Operations & Account Services
DBS Bank LTD
Mumbai
09.2020 - 10.2022
- AML/KYC - Name screening handling, Onboarding new Corporate Accounts, CDD, EDD, Regulatory Notices, Process review & enhancement, Risk Review & Due Diligence control.
- Performed periodic and ad hoc AML reviews on existing Banking corporate Customers including transactional review in accordance to RBI and MAS regulation guidelines.
- Performed in-depth reviews of customer documentation, including identification, address verification, business ownership, and beneficial ownership information.
- Utilized KYC tools and software to screen customers against watch lists, PEPs (Politically Exposed Persons), and adverse media, Dow Jones, Actimize, SDN searches.
- Coordinated with internal stakeholders Compliance Team, Business team and IT to gather additional information and clarify customer profiles.
- Generating and closing Batch Alerts and sanction alerts within TAT.
- Managed practical action plans to respond to audit discoveries and compliance violations.
- Ensured all KYC reviews performed are comply with bank’s established policies, procedures and controls.
- Maintained up-to-date knowledge of applicable laws and regulations.
- Assisted in UAT for process and system implementation.
Deputy Manager
Axis Bank LTD
Mumbai
11.2015 - 09.2020
- Managed New Client Adoption or Periodic Review stream, to ensure that all requests are approved in accordance with regulatory requirements and bank’s internal policies.
- Understand firm’s KYC requirements when completing documentation inclusive of CDD and EDD.
- Rollout of any new KYC Policy / Regulations and also proper understanding of same within team and stakeholders.
- Raised alerts to branches and follow-up on alerts for all negative cases & STR & Review incoming Documents for clients according to internal and external regulations.
- Ensured that there are no Critical Audit Points as a result of Regulatory or Internal Audits & Resolving queries and discrepancies of the branches and clearing the AOF within the TAT.
- Performed Antimony laundry (AML) checks and taking approvals for all exceptions account opening cases and Fund checking and system checking of new account opening forms with PAN verification.
- Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
- Functioned as point of contact for project administrators and managers focused on timely and successful completion of full lifecycles of assigned projects.
Process Associate
Magna InfoTech LTD
Mumbai
05.2014 - 09.2015
- Worked on document review classification of scanned documents received for mortgage borrowers and re- classifying same with correct attribution.
- Ensured that daily production HRD is met as set by senior management.
- Identified and resolved process issues to drive optimal workflow and business growth.
- Responsible for process and team performance improvement.
- Assisting new users on application and product.
- Partnered with cross-functional teams to conduct thorough discovery and due diligence on existing processes.
Assistant Manager
Kotak Mahindra Bank LTD
Mumbai
08.2013 - 04.2014
- Handled queries and providing information as per standards for all type of consumer bank accounts.
- Provided solutions of all customers’ complaints / escalations.
- Follow up on escalations and closing accounts.
- Educated customers about bank’s other products and services and cross selling.
- Informed customers about channel migration.
Education
Post Graduate Diploma in Management
Welingkar Institute of Management
Mumbai 07.2015 - 07.2017
Business Management Studies
Mumbai University
Mumbai 04.2010 - 07.2013
Skills
Global end-to-end KYC
Accomplishments
- Rewarded for leading eLVB Migration project transfer to DBS platform. Also appreciated from many stakeholders for standardizing the Account Opening Process for LVB Accounts as per DBS KYC norms in coordination with compliance and Business team .
- Rewarded for implementation of CKYC project for corporate customers.
- Gained special reward and recognition for Demonetization project where 7500 Accounts were suspected with fraudulent transactions where had to investigate such Accounts and find the genuineness of customer and transaction taken place. Headed to EDD scrutiny team with 25 people and also training to fellow mates.
DBS Bank
Axis Bank
Certification
Certified Anti- Money Laundering Specialists ( ACAMS )
Timeline
Certified Anti- Money Laundering Specialists ( ACAMS )
10-2023
KYC Analyst
Wipro (CITI Bank)
08.2023 - Current
The Fundamental Principles to AML (Alison)
06-2023
Global AML for united States (Banker's Academy)
06-2023
Certified AML- KYC Compliance Officer (V-skills)
09-2020
Specialist, Operations & Account Services
DBS Bank LTD
09.2020 - 10.2022
Deputy Manager
Axis Bank LTD
11.2015 - 09.2020
Post Graduate Diploma in Management
Welingkar Institute of Management
07.2015 - 07.2017
Process Associate
Magna InfoTech LTD
05.2014 - 09.2015
Assistant Manager
Kotak Mahindra Bank LTD
08.2013 - 04.2014
Business Management Studies
Mumbai University
04.2010 - 07.2013
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