Pramod kumar Behura
Visakhapatnam
Summary
Results-driven and detail-oriented Risk and Compliance professional with 8+ years of hands-on experience in Anti-Money Laundering (AML), Know Your Customer (KYC), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and Transaction Monitoring. Proven track record of working across cross-functional teams as a subject matter expert and team lead to implement robust compliance controls, streamline processes, detect emerging fraud patterns and support audit readiness. Strong analytical skills combined with a deep understanding of global regulatory frameworks and emerging risks in the financial sector.
Overview
9
9
years of professional experience
Work History
Subjedct Matter Expert and Quality Specialist
EPIFI Technologies Private Limited
01.2023 - Current
- 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/financial environments
- Identified and mitigated emerging fraud trends in Central Bank Digital Currency (CBDC) of 3700+ accounts, 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 minimizing 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.
- Trained newly recruited individuals on AML risk and fraud procedures
- Oversaw quality assurance and audit checks for Risk Operations, ensuring compliance and continuous improvement
Team Lead and Process Innovation Professional
IBM
04.2022 - 10.2022
- 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.
- Coached team members in techniques necessary to complete job tasks.
- Frequently inspected the production area to verify proper equipment operation.
- Trained new team members by relaying information on company procedures and safety requirements.
- Devised and implemented processes and procedures to streamline operations.
- Worked with crypto-related AML/KYC processes and utilised Chainalysis application for transaction monitoring
- Evaluated employee skills and knowledge regularly, training, and mentoring individuals with lagging skills.
- Created and managed project plans, timelines and budgets.
- Maintained database systems to track and analyse operational data.
- Developed effective improvement plans in alignment with goals and specifications.
AML Senior Analyst and SME
HSBC
11.2019 - 04.2022
- 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
- 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
- Perform QA reviews on completed risk operations cases to ensure accuracy, consistency, and policy adherence
- 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
- Performed audits of subsidiaries to protect shareholders and potential investors from fraudulent or unrepresentative financial claims.
AML Transaction Monitoring and KYC Analyst
HSBC
11.2016 - 10.2019
- 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
- Adjusted end-to-end KYC process needs to align with workforce capabilities.
- Testing sanctions screening solutions with foreign delegates for the effectiveness and efficiency of the project
- Performed periodic reviews and reports on merchants to comply with rules, regulations and KYC requirements.
- Leveraged skills in streamlining processes by migrating master cards to Credit Card Transaction Monitoring Process as a special project
Education
MBA - Human Resource And Marketing
ANDHRA UNIVERSITY
07-2016
BBA - Business Management
GITAM UNIVERSITY
06-2014
Skills
- Sanctions screening(OFAC, UN, DFAT lists)
- Internal control and audit support
- Risk management
- Regulatory compliance (AML/CTF)
- Data analysis and risk modeling (Excel, SQL)
- Reporting and dashboard creation (power bi and Tableau)
- Workforce planning and scheduling
- Team Leadership and automation leadership
- Fraud detection using machine learning models
- predictive analytics for risk identification
- GenAI (copilot, chatgpt) and prompt engineering etc
Timeline
Subjedct Matter Expert and Quality Specialist
EPIFI Technologies Private Limited
01.2023 - Current
Team Lead and Process Innovation Professional
IBM
04.2022 - 10.2022
AML Senior Analyst and SME
HSBC
11.2019 - 04.2022
AML Transaction Monitoring and KYC Analyst
HSBC
11.2016 - 10.2019
BBA - Business Management
GITAM UNIVERSITY
MBA - Human Resource And Marketing
ANDHRA UNIVERSITY
Personal Information
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