Rakhi kumari
Summary
Dedicated and adaptable professional in AML, Fraud, Chargeback and Risk with 5 years of experience in identifying, investigating, and mitigating financial crimes and regulatory risks. Adept at monitoring financial transactions, performing risk assessments, and ensuring compliance with relevant regulations, including BSA/AML. Skilled in detecting fraudulent activities, conducting internal audits, and preparing detailed reports, including Suspicious Activity Reports (SAR). Strong problem-solving abilities, with a deep understanding of risk management frameworks and the latest industry trends. Proven track record of reducing financial crime exposure while maintaining compliance with all regulatory standards.
Overview
6
6
years of professional experience
Work History
Senior Analyst
Barclays
04.2024 - Current
- Performed end-to-end L2 investigations on escalated TM alerts and SAR filing.
- Conducted deep-dive transaction analysis covering behaviour, patterns, and counterparties.
- Evaluated KYC/CDD profiles, customer risk, and expected vs actual activity.
- Reviewed high-risk geographies, sanctions, PEPs, and adverse media hits
- Recommended EDD, risk re-rating, and ongoing monitoring actions.
- Collaborated with Compliance, QA, and SAR Review teams.
- Supported alert tuning & rule improvements to reduce false positives.
Investment Account KYC Analyst(Quality analyst)
Incedo
Gurugram
06.2021 - 08.2023
- Performing end to end KYC for periodic review for Individual & Sole Proprietorship.
- Conducted thorough due diligence assessments on personal, corporate, and trust accounts using World Check, LexisNexis, and Google negative news searches.
- Identified data anomalies and red flags indicative of money laundering, terrorist financing, fraud, Sanctions violations, and escalated findings for second-level review.
- Conducted detailed investigations into flagged transactions, resulting in the prevention of potential financial crimes.
- Consistently exceeded client onboarding accuracy and turnaround time targets, recognized for exemplary standards of quality and efficiency.
- Demonstrated exceptional knowledge and skill set in Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Assets Control (OFAC) regulations, Customer Identification Program, and USA Patriot Act obligations.
Analyst - Sanction Screening
State Street Hcl Pvt Ltd.
Pune
12.2019 - 12.2020
- Conducted detailed sanctions screening of customer profiles against global regulatory lists (OFAC, UN, EU, etc.) to ensure compliance with applicable sanctions laws.
- Utilized internal tools and external watchlists to identify potential matches and assess the risk associated with customer activity.
- Investigated alerts by analyzing customer information, transaction history, and screening hits to determine false positives or true matches.
- Collaborated with compliance teams and cross-functional departments to escalate and resolve high-risk cases in a timely manner.
- Maintained accurate documentation of investigations and decision rationale to support audit and regulatory requirements.
- Stayed up to date with global sanctions developments and ensured timely application of updated regulations to screening practices.
- Provides financial services, particularly investment servicing, to institutional investors.
Education
BCOM -
Magadh University
Skills
- Fraud chargeback
- Sanction screening
- Risk and compliance
- KYC Controls
- Transaction monitoring
- CDD
- Fraud Investigation
- AML
- EDD
- SAR
Projects
Project Migration, Successfully led the migration to new project ensuring seamless transition and minimal disruption to operation., Present
Awards
- Shining Star, Barclays, Exceptional dedication, Outstanding performance and invaluable contribution to the business.
- Employee of the Month, Incedo Technologies, Awarded 'Employee of the Month 10 times at Incedo Technologies for consistently achieving 100% accuracy.
Languages
- English
- Hindi
- Bengali
Languages
English
Advanced
C1
Timeline
Senior Analyst
Barclays
04.2024 - Current
Investment Account KYC Analyst(Quality analyst)
Incedo
06.2021 - 08.2023
Analyst - Sanction Screening
State Street Hcl Pvt Ltd.
12.2019 - 12.2020
BCOM -
Magadh University