Ramesh Perumal
Chennai
Summary
Dynamic KYC Analyst with extensive experience at Citibank, excelling in customer due diligence and regulatory compliance. Proven track record in process improvement and team leadership, enhancing operational efficiency. Expertise in KYC verification and risk classification, driving accuracy in customer profiles while mentoring junior associates to optimize workflows.
Overview
13
13
years of professional experience
3
3
years of post-secondary education
Work History
KYC Analyst (C09)
Citibank
Chennai
07.2024 - Current
- Responsible for Citi KYC remediation process focused on reviewing and remediating retail customer information.
- Conduct detailed customer identification program (CIP) verification and comprehensive customer due diligence (CDD) and enhanced due diligence (EDD) in accordance with regulatory standards.
- Review and update customer profiles including product profiles and risk classifications using CitiKYC application.
- Identify data discrepancies, incomplete or outdated information, and ensure corrective actions are applied to maintain compliance.
- Collaborate with stakeholders to verify KYC data completeness, ensuring adherence to periodic review schedules.
- Support process improvements to enhance the accuracy and efficiency of KYC remediation efforts.
Business Process Lead
Tata Consultancy Services
Chennai
01.2018 - 01.2023
- Led cross-functional teams to streamline business processes.
- Analyzed workflows to identify areas for improvement.
- Developed process documentation and standard operating procedures.
- Trained staff on new processes and best practices.
- Implemented process improvements to enhance operational efficiency.
- Prepared status reports on project progress for senior management review.
- Provided guidance in developing training materials for users of new or updated processes.
Senior Process Associate
Tata Consultancy Services
Chennai
01.2015 - 01.2018
- Conducted end-to-end KYC onboarding and periodic reviews for retail and corporate customers.
- Performed risk assessments and monitoring in line with AML guidelines.
- Maintained accurate client documentation and coordinated with relationship bankers for suspicious activity reporting. Led process improvement initiatives to enhance operational efficiency across teams.
- Mentored junior associates on best practices and workflow optimization techniques.
- Analyzed process data to identify bottlenecks and recommend solutions.
Process Associate
Tata Consultancy Services
Chennai
11.2012 - 01.2015
- Managed dispute resolution for debit card transactions.
- Investigated and processed fraud and non-fraud disputes based on customer claims.
- Administered customer rewards point and transaction review processes.
Education
Bachelor of Science -
Mohamed Sathak Arts And Science College
Chennai 06.2008 - 04.2011
Skills
- KYC Client Identification Program (CIP) Verification
- Customer Due Diligence (CDD) & Enhanced Due Diligence (EDD)
- CitiKYC Application Expertise
- Customer Profile Review & Risk Classification
- Regulatory Compliance & Data Validation
- Process Improvement & Automation Initiatives
- Team Leadership & Training
Languages
Tamil
First Language
English
Upper Intermediate (B2)
B2
Accomplishments
- Employee of the Year – 2015, 2018
- Successful Team Leader Award – 2020
Timeline
KYC Analyst (C09)
Citibank
07.2024 - Current
Business Process Lead
Tata Consultancy Services
01.2018 - 01.2023
Senior Process Associate
Tata Consultancy Services
01.2015 - 01.2018
Process Associate
Tata Consultancy Services
11.2012 - 01.2015
Bachelor of Science -
Mohamed Sathak Arts And Science College
06.2008 - 04.2011