PRATHAP H
Senior Analyst
Bangalore,Karnataka
Summary
With total 8.5 years of experience in the mortgage and Passionate Know Your Customer (KYC) Analyst with over 5 years of experience providing detailed customer risk analysis within the industry. Focusing primarily on AML regulations. And financial investigations. Transaction monitoring Detail-oriented with experience in report writing, regulatory compliance, and auditing, solution-oriented professional with strong problem-solving skills and effective inter personal and communication skills along with Team Management Profess
Overview
10
10
years of professional experience
Work History
SENIOR ANALYST
KPMG Globel Service PVT LTD
Bangalore
10.2024 - 12.2025
- Investigated transaction monitoring alerts for unusual activity across wire transfers, cash, and cross-border transactions.
- Validated KYC information, and assessed alignment between customer profile and transactional behavior.
- Regulatory requirements were communicated effectively with clients regarding their requests or queries related to KYC compliance activities.
- Applied risk-based analysis to identify AML red flags, including structuring, layering, and funnel accounts.
- Identified sanctions, PEP, and watchlist risks, ensuring compliance with OFAC, UN, EU, and local regulatory requirements.
- Escalated high-risk cases, with comprehensive summaries, to L2 investigators for further review.
- Perform KYC periodic reviews for diligence, KYC reviews based on risk category. • EDD knowledge: the ability to screen for PEPs, sanctions, and adverse media across a variety of systems.
- Drafted and escalated Suspicious Transaction Reports (STRs) to compliance officers and regulatory authorities, with clear, evidence-based findings.
SENIOR KNOWLEDGE SPECIALIST
Mphasis BPO LTD
Bangalore
05.2022 - 09.2024
- Investigated unusual transaction activities, such as structuring/smurfing, rapid movement of funds, and high-risk geographic exposure.
- Conducted in-depth investigations on escalated AML alerts, performing end-to-end money flow analysis to identify potential financial crime risks.
- Reviewed KYC documentation, source of funds/wealth, and customer risk ratings to assess the legitimacy of transactions.
- Developed detailed investigative case narratives, supported by transactional evidence, and regulatory guidance.
- Prepared and recommended Suspicious Activity Reports (SARs) and Suspicious Transaction Reports (STRs) in accordance with applicable regulatory frameworks.
- Performed adverse media screening and sanctions checks to identify reputational and regulatory risks.
- Stay updated on industry standards and developments in the areas of KYC, BSA/AML, and sanctions, and apply regulatory requirements, as well as internal policies and procedures, to case investigations.
- Identified suspicious structuring, unusual cash deposits, and high-risk cross-border transactions.
- Conducted a detailed investigation, including a source of funds analysis and adverse media screening.
PRE-UNDERWRITER IN MORTGAGE PROCESS
Mphasis BPO LTD
08.2019 - 05.2022
- Reviewing all the Legal documents of the borrower
- CREDIT: Verifying Credit Report Date, Reference ID, Mortgage statements, Collection Account, Charge Account and credit Supplements, bankruptcy, foreclosure, short sale, address history, SSN discrepancy, AKA, inquiries, fraud alert, late payments, etc
- Assets documents like Bank Statements, VOD, Checks and Gift Letters, Wire Transfers, large deposits, EMD checks, and clearance documents. Undisclosed payments, Etc.
- INCOME: Income documents like Paystubs & Verifying Borrower are Monthly, Semi-monthly, or Bi-Weekly Earnings, prior year history, continuity of income, base and variable pay of income
SENIOR ANALYST IN DATA CONVERSION IN MORTGAGE PROCESS
Altisource Pvt Ltd
07.2017 - 05.2019
- I was cross-checking the electronic data received by the Prior Servicer.
- Review and verify borrower's information from notes, mortgage, loan application, HUD, and appraisal documents.
- Calculate the loan terms with the help of a modification document and update accordingly.
TITLE ANALYST FOR FULL SEARCH IN TITLE PROCESS
Fidelity National Financial India Pvt Ltd
04.2016 - 05.2017
- Review and verify borrower's information from Property Appraisal and Taxes documents.
- Review and Searching Grantee and Grantor Search for 30 years and Netro online Search.
- Validate Judgement to ensure the required information is available for the related order.
- Upload the Information in the Title Wave application using Certain title Codes.
Education
Bachelor of Business Management - Finance & HR
SEA College of Management Studies
Bengaluru, India01-2013
Pre-University Course - Accounting
New Public Composite PU College
Chintamani, India01-2008
Skills
Screening Tools: World-Check and LexisNexis
MS Excel (Pivot Tables, VLOOKUP), MS Office
Performance monitoring
Accomplishments
- Got Spot Awards for 100% quality with accuracy.
- Got an individual extra mailer award.
- I cleared all mandatory training, such as presentation skills and cultural sensitivity.
ROLES AND RESPONSIBILITIES
- Working as a Backup QA trainer and SME for the team.
- Preparing daily worksheets for Team Members and coordinating the daily allocation of work.
- Updating the procedural updates to the searchers and preparing SOP for future reference.
- Consistently and effectively implement the Performance Management Process as a leadership tool to help employees maximize their performance.
- Responsible for day-to-day functioning/administrative work, including production floor management and performing other duties as assigned by the manager.
- Maintaining the update trackers
- I am helping the team members regarding their doubts and updates in the process.
- Guiding and tracking a group of agents to achieve their production and Quality.
Timeline
SENIOR ANALYST
KPMG Globel Service PVT LTD
10.2024 - 12.2025
SENIOR KNOWLEDGE SPECIALIST
Mphasis BPO LTD
05.2022 - 09.2024
PRE-UNDERWRITER IN MORTGAGE PROCESS
Mphasis BPO LTD
08.2019 - 05.2022
SENIOR ANALYST IN DATA CONVERSION IN MORTGAGE PROCESS
Altisource Pvt Ltd
07.2017 - 05.2019
TITLE ANALYST FOR FULL SEARCH IN TITLE PROCESS
Fidelity National Financial India Pvt Ltd
04.2016 - 05.2017
Pre-University Course - Accounting
New Public Composite PU College
Bachelor of Business Management - Finance & HR
SEA College of Management Studies