Rahul Kumar
Compliance Analyst
Gurgaon,HR
Summary
Experienced professional with over 4 years of expertise in AML, Transaction Monitoring, and KYC regulations, with a focus on client onboarding, compliance, and risk management. Skilled in executing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) procedures, managing large case volumes, addressing KYC escalations, and conducting data analysis to identify risks and prevent fraud. Expertise in documenting case reviews to ensure compliance with regulatory standards, while collaborating with cross-functional teams to implement effective risk mitigation measures. Strong analytical and problem-solving capabilities, proficient in tools such as Salesforce, GSuite, alongside exceptional communication, organizational, and leadership abilities.
Overview
5
5
years of professional experience
Work History
Transaction Monitoring Analyst L2 (Team Developer)
Anaptyss
04.2025 - Current
- Investigated escalated crypto transaction monitoring alerts, analysing blockchain activity, wallet addresses, and transaction flows to detect potential money laundering, terrorist financing, fraud, and sanctions evasion.
- Conducted blockchain tracing using on-chain analytics tools e.g. Chainalysis to identify high-risk patterns, darknet exposure, scams, illicit actors, fraud shops, stolen funds, and layering techniques.
- Reviewed customer activity against known red flags such as rapid in/out transactions, mixing/tumbling services, structuring, funnelling, sudden activity, high-risk jurisdiction exposure, and the use of privacy coins.
- Drafted Suspicious Activity Reports (SARs) on identified crypto-related risks, ensuring regulatory compliance with the FATF Travel Rule, FinCEN, and global AML/CFT standards.
- Collaborated effectively with cross-functional teams to identify potential risks and develop mitigation strategies.
Transaction Monitoring Analyst (AML, KYC)
Cognizant Technology Solutions
10.2022 - 12.2024
- Investigated escalated crypto alerts tied to wallet activity originating from high-risk jurisdictions such as Kenya, Ghana, and Asia, assessing exposure to money laundering, fraud, and sanctions evasion risks.
- Analyzed customer profiles and cross-border transaction flows involving higher-risk regions, ensuring adherence to FATF standards and applicable AML/CFT regulatory requirements.
- Conducted Enhanced Due Diligence (EDD) on clients executing high-value crypto transactions, or displaying repeated exposure to emerging-market jurisdictions.
- Performed advanced blockchain tracing with Chainalysis, Elliptic, TRM Labs, and CipherTrace, mapping wallet flows, uncovering darknet exposures, and identifying the use of mixers/tumblers, airdrop farming, no KYC exchanges, and bridges.
- Identified and investigated IP login discrepancies, such as mismatches between customer-declared locations and actual IP addresses, indicating potential account takeovers, mule activity, or geographic risk exposure.
- Authored comprehensive Suspicious Activity Reports (SARs), detailing suspicious crypto-to-fiat conversions, peer-to-peer transfers, and recurring transactions linked to high-risk geographies.
Process Associate (L1 Analyst)
Genpact
02.2021 - 11.2021
- Reviewed system-generated alerts to identify unusual or suspicious transactions. Conducted preliminary investigations by analysing customer profiles and account activity.
- Flagged potential red flags such as structuring, rapid fund movement, and high-risk geographies.
- Ensured timely escalation of cases to Level 2 for in-depth review.
- Documented findings and maintained accurate case notes in line with compliance standards.
- Took charge of institutional onboarding, ensuring clients meet required BSA/AML and OFAC standards.
- Perform thorough reviews of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) cases to ensure full regulatory compliance. Identify fraud risks and implement controls to prevent fraud across business units.
- Handle whistleblower complaints, investigate issues, and recommend actions based on company policies.
- Collaborate with process owners to review internal audit open points, validating the effective implementation of corrective actions.
- Led the creation and monitoring of a self-assessment framework for business owners to track compliance. KPIs.
Education
B.com - Commerce
University of Rajasthan
Jaipur, India 05.2001 -
M.com - Commerce
University of Rajasthan
Jaipur 05.2001 -
Skills
- Risk assessment
- Compliance analysis
- Transaction investigation
- Blockchain tracing
- Enhanced due diligence
- Report writing
- Alert management
- Problem solving
- Critical thinking
- Team Leadership
- Effective communication
- Risk Management
Tools
- Salesforce
- GSuite
- Docusign
- Jira Tickets
- Looker
- SQL
- Chainalysis Reactor
- Tracer
- Scamalytics
Timeline
Transaction Monitoring Analyst L2 (Team Developer)
Anaptyss
04.2025 - Current
Transaction Monitoring Analyst (AML, KYC)
Cognizant Technology Solutions
10.2022 - 12.2024
Process Associate (L1 Analyst)
Genpact
02.2021 - 11.2021
B.com - Commerce
University of Rajasthan
05.2001 -
M.com - Commerce
University of Rajasthan
05.2001 -
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