Pramod kumar behura

• Managed the complete onboarding process for banking and wealth, and monitored transactions
• Designed short-term objectives and long-term strategic initiatives to strengthen risk control and enhance fraud mitigation through improved analysis and research
• Continuously integrates industry-leading standards to advance process benchmarks in banking/fintech environments
• Identified and mitigated emerging fraud trends in Central Bank Digital Currency (CBDC), including money mule networks and mule account patterns linked to the gaming and gambling industry; authored a detailed impact report submitted to the Reserve Bank of India (RBI) highlighting risks to the general public
• Collaborated with banks, internal stakeholders, and external partners to resolve Banking Ombudsman (BO) and Law Enforcement Agency (LEA) complaints, ensuring timely, accurate outcomes in full compliance with regulatory requirements. Assisted with minimising risk exposure by reviewing claim validity and viability against coverage standards.
• Managed company-wide complaints and subpoenas alongside legal teams and risk management staff.
• Trained staff in risk management policies and monitored compliance to control company liability.
• Point of contact for banking partners, streamlining communication and ensuring strategic alignment on disputes, escalations, and fraud mitigation
• Led workflow optimization and SOP implementation, cutting complaint resolution time
• Led team management while collaborating with data and analytics teams to develop new risk thresholds for early fraud detection and prevention.
• Oversaw quality assurance and audit checks for Risk Operations, ensuring compliance and continuous improvement

• Lead a team of 18 Risk and Compliance Specialists focused on AML, CDD, and EDD reviews of high-risk and high-profile accounts.
• Process cases and conduct Quality Control reviews, providing actionable feedback to Customer Risk Specialists.
• Manage and analyze process and performance data to drive operational efficiency and streamline workflows.
• Facilitate team meetings to delegate tasks, set priorities, and improve overall productivity.
• Review and approve requests for additional information on complex investigations and high-risk reviews.
• Support specialists in obtaining necessary information from business partners to complete case reviews.
• Contributed to process improvements that enhanced departmental efficiency and effectiveness.

• Conducted in-depth research into customer accounts to minimize risk using the AML Monitoring Systems
• Performed investigative analysis based on Suspicious Activity Referrals and 90-day follow-up reviews.
• Performed periodic review on customer due diligence (CDD) & Enhanced Due Diligence (EDD)/Risk Assessment transactional reviews of high-net-worth customers banking with HSBC (ex: Trustees, businesses entities, NGOs and individuals, etc.).
• These high-net-worth customer reviews consisted of complex/portfolio relationships with 5 or more customers, involving 10 or more accounts; complex corporate structures; international entities; high network and/or politically exposed individuals; and review periods of 12 months to 2 years of activity.
• As a subject matter expert (SME) Provided training to new or current employees and
• Performed quality checks with constructive feedback to the staff
• Managed to comprehend the updates/clarifications provided by the business and
• effectively cascaded the same to the team/department Ensuring:

- Timely delivery of refresher session on procedures as & when there is a requirement

- Procedural gaps are identified and are ironed out on a timely basis

- Delivery of constant & constructive feedback to the staff

• Became the “Go-to Person” and led Enhanced Due diligence (Level 2 & Level 3) roll- out for the private banking team to maximize productivity, thus driving the team towards anticipated positive results; bagged appreciation from the Regional Head

• Responsible for identifying and researching the patterns, trends and anomalies in complex transactional and customer data to detect, prevent, mitigate and report suspicious activity related to money laundering, terrorist financing and structuring.
• Used transactional and customer records, external data, publicly- available information,
  and other information to identify suspicious or unusual activity.
• Assisted and provided information to support Suspicious Activity Reports (SAR) or
  equivalent for regulatory filing
• Administered KYC due diligence in wide range of entity types and KYC screening on
  customers documenting the information.
• Testing sanctions screening solutions for effectiveness and efficiency
• Provide logical justification for the decisions taken when completing CDD profile of the
  individual.
• Leveraged skills in streamlining processes by migrating master cards to credit card
  Transaction Monitoring Process as a special project