RAHULDAS J
Summary
Results-driven Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance professional with 8+ years of progressive experience in financial crime prevention, regulatory compliance, and customer due diligence across tier-1 financial institutions. Demonstrated expertise in end-to-end KYC lifecycle management, Enhanced Due Diligence (EDD), transaction monitoring, sanction screening, and regulatory framework implementation. Proven track record of ensuring 100% compliance with CBUAE, FATF, and international regulatory standards while maintaining operational efficiency. Proficient in risk categorization, UBO identification, and cross-functional collaboration to mitigate financial crime risks.
Overview
11
11
years of professional experience
Work History
Consultant
Ernst & Young LLP
Bengaluru
07.2022 - 09.2025
- Performed the end-to-end KYC lifecycle for a diverse portfolio of corporate clients, encompassing high-risk "New to Bank" onboarding and complex periodic reviews; conducted deep-dive Enhanced Due Diligence (EDD), unmasked multi-layered UBO structures, and verified Source of Wealth (SoW) to ensure compliance with global risk standards.
- Performed KYC & QC for Streamlined, Standard & Enhanced Due Diligence Customers.
- Performed KYC review & QC for multiple profiles like Limited Companies, Limited Liability Partnership, Limited partnership General Partnership, Sole Trader, Trusts, and Clubs & Societies.
- Public domain research is conducted to gather identification and verification data points for entities from multiple sources such as Dun & Bradstreet, Bloomberg and Companies House.
- Screen for any negative Adverse Media news on client's previous name, business name and alias, as well as the previous names of related parties.
- Monitors clients' financial transactions by analyzing expected transaction behaviors and trends.
- Actively participated in all the sessions and shared the best practices with all the colleagues.
- Walk through the Onshore received errors to the team to ensure consistency on nil errors and mitigate the repeated errors on a weekly basis.
- Contribute to organizational efforts to prevent money laundering, terrorist financing and other illicit financial activities.
Compliance Officer
First Abu Dhabi Bank (FAB)
Abu Dhabi
05.2021 - 03.2022
- Performed Enhanced Due Diligence (EDD) for high-risk "New to Bank" (NTB) clients, specialized in unmasking complex corporate structures, Politically Exposed Persons (PEPs), and entities from FATF high-risk jurisdictions to mitigate regulatory and financial crime exposure.
- Validated Source of Wealth (SoW) and Source of Funds (SoF) by performing forensic reviews of audited financial statements and comprehensive legal dossiers, ensuring 100% alignment with CBUAE regulatory standards and international best practices.
- Deciphered multi-layered ownership structures to identify Ultimate Beneficial Owners (UBO) through utilization of internal data repositories and external proprietary registries, effectively mitigating sanction and financial crime risks.
- Managed comprehensive name screening and adverse media investigations via Ficrosoft platform, delivering detailed risk assessment reports highlighting reputational and regulatory red flags impacting customer onboarding decisions.
- Optimized Risk Categorization by evaluating Customer Risk Ratings (CRR) and streamlining the alert escalation process to Financial Crime Compliance (FCC) for high-risk triggers, improving response time and compliance effectiveness.
- Facilitated cross-departmental collaboration, acting as the primary liaison between Relationship Managers and Compliance Approvers to accelerate onboarding timelines while maintaining zero-tolerance for documentation gaps and regulatory deficiencies.
KYC Analyst
Accenture
Bengaluru
09.2019 - 02.2021
- Worked for Deutsche Bank and Union Bank of Switzerland.
- Process KYC information for legal structure profiles such as sole traders, LLCs, LTDs, LLPs, partnerships, government entities, SPVs, trusts, listed entities.
- Conduct web searches to obtain missing information from independent sources.
- Communicate with outreach team and obtain missing information from clients.
- Identifying adverse news and events by conducting sanctions and PEP screening via RDC and Lexis Nexis.
- Monitor customer financial transactions by analyzing anticipated transaction behaviors and trends.
- Executing initial due diligence and profile compilation within a stipulated time frame.
- Ensuring that all SLA's defined by the Business on timeliness and quality adhere to regulatory requirements and the bank's internal policies.
Transaction Monitoring Analyst
Unimoni Global Business Services
Kochi
09.2018 - 02.2019
- Implemented reactive & proactive approaches to analyze alerts pertaining to anti-money laundering & economic sanction.
- Deployed the internal system 'AMIGO' to review and investigate suspicious transactions.
- Expedited and ensured disposal of identified risks within given TAT by reporting the same to the designated head.
- Determined suspicious activities and reported them to the authorities by establishing measures based on red flag cases.
- Transferred Anti Money Laundering data to various countries for the purpose of surveillance and auditing.
- Confirmed profile authenticity and reputation by screening customers' profile, transaction history, acuity, and web check.
- Identified and assessed potential money laundering risks from the transactional database.
- Identified suspicious activity and reported it to the appropriate authorities to ensure compliance.
KYC Associate/CDD Analyst
HSBC Electronic Data Processing India Pvt. Ltd.
Bengaluru
08.2016 - 06.2018
- Addressed standard, medium, high & SSC risk customers of the UK & US such as Sole Trader, Partnership & Limited Companies.
- Utilized RMs & CMs for deriving and updating missing documentation of clients by sending requirements.
- Procured & updated the pertinent data of clients sourced via the internet and other reliable information providers.
- Spearheaded the overall risk assessment of due diligence files of clients.
- Assessed risk based on the country, reputation & nature of the business, and risk of product & service.
- Supervised each assigned profile and task from the initial stage to execution.
- Ensured applicable AML laws and regulatory compliance along with specified guidelines and written procedures.
- Conducted KYC screening of customers while documenting the acquired information as per the global KYC regulations.
Assistant Accountant/Sales Executive
Paragon Polymer Products Pvt. Ltd.
Ranchi
09.2015 - 05.2016
- Invoice Generation & Stakeholder Management.
- Verified, prepared, and documented the invoice of materials, bills, and accounts.
- Administered support to accountants while executing clerical tasks such as typing, filing, and mailing.
- Prepared invoice of materials, vehicle log books, and generating on an average 10 waybills every week.
- Resolved customer queries and issues related to orders from vendors in a timely & explicit manner.
- Initiated sales visits, displayed products to both dealers & retailers, and appointed 2 dealers.
- Maintained strong relationships with dealers by detecting their requirements.
- Drafted marketing schemes, directed market surveys, and orchestrated local level advertisements during festivals.
Assistant Accountant
Mothers Millennium School
Bangalore
08.2014 - 08.2015
- Compiled, recorded, and maintained the students' database in the information system.
- Operated MS Office to register, recover, and document the details of students, staff, tuition fee & salary.
- Collected the monthly fees of students and played an active role in answering phone calls, greeting & assisting visitors.
- Monitored regular attendance of 15 staff members and executed the assigned duties with diligence.
Education
MBA - Finance and Marketing
Calicut University
BBM - Computer Application
Bharathiar University
Skills
- AML & Compliance: Anti-Money Laundering (AML) Know Your Customer (KYC) Enhanced Due Diligence (EDD) Customer Due Diligence (CDD) Minimum Due Diligence (MDD) Local Due Diligence (LDD) Product Due Diligence (PDD) Specialized Due Diligence (SpDD) Regulatory Compliance CBUAE Standards FATF Guidelines
- Financial Crime Management: Sanction and Name Screening Financial Crime Investigation Transaction Monitoring PEP Screening Adverse Media Analysis Ultimate Beneficial Owner (UBO) Identification Source of Wealth (SoW) Validation Source of Funds (SoF) Verification Risk Assessment End-to-End Remediation
- Technical & Systems: Firco Trust System RDC Screening Lexis Nexis AMIGO System Dun & Bradstreet Bloomberg Companies House Ficrosoft Web Research & Intelligence Profile Compilation Report Generation MS Office Suite
- Core Skills: Risk Categorization Alert Adjudication Escalation Management Document Sourcing & Annotation Quality Assurance & Control Cross-Functional Collaboration Relationship Management Deadline-Driven Delivery Attention to Detail Regulatory Documentation Customer Servicing
Certification
- Go-AKS KYC – Globally Certified KYC Specialist
Awards
- KYC Operation CMB, Received recognition in KYC Operation CMB, '17 | Specially recognized in Q3 '17., Q3/17
- Promoted as QC (Quality Checker)
- Promoted as the Green Lighting Analyst
Timeline
Consultant
Ernst & Young LLP
07.2022 - 09.2025
Compliance Officer
First Abu Dhabi Bank (FAB)
05.2021 - 03.2022
KYC Analyst
Accenture
09.2019 - 02.2021
Transaction Monitoring Analyst
Unimoni Global Business Services
09.2018 - 02.2019
KYC Associate/CDD Analyst
HSBC Electronic Data Processing India Pvt. Ltd.
08.2016 - 06.2018
Assistant Accountant/Sales Executive
Paragon Polymer Products Pvt. Ltd.
09.2015 - 05.2016
Assistant Accountant
Mothers Millennium School
08.2014 - 08.2015
MBA - Finance and Marketing
Calicut University
BBM - Computer Application
Bharathiar University