Ramya Maridevaru
Summary
KYC/AML Professional with 6.5 years of in-depth experience in investment banking, client on-boarding, Periodic Reviews, Screening, Transaction Monitoring and in assessing the clients risk.
Overview
8
8
years of professional experience
Work History
FINANCIAL CRIME OPERATIONS ANALYST
COMMON WEALTH BANK OF AUSTRALIA PRIVATE LIMITED
10.2022 - Current
- Conduct Customer due diligence (CDD) & Enhanced Due Diligence (EDD)
- Responsible for conducting comprehensive research and background investigations on individuals, entities, organizations or locations to identify and disposition associated sanctions, PEP and associated risks
- Ensuring all alerts actioned in appropriate manner within agreed procedure standards
- Review and analyze due diligence data from variety of sources (i.e Jarvis, Commsee, Smart allocator, Pegasus and World Check) to determine overall risk and submit regulatory report and requests
- Understand and Evaluates risks to determine permissibility under AML regulations works with high risk customers(e.g
- Structuring cash deposits, Terrorists financing and CEM exploitations) to understand customer account and activities and to Provide appropriate directions to the line of business and escalates other risks appropriately
- Customer name screening, Pre-employment checks are performed
- Completion of all parameters that are required to generate a analytical risk score for clients in review
- Further more this role will identify and escalate any suspicious or unusual matters to AML, Line of Business & Compliance for further investigations
- Actively identifying process improvement initiatives, implementing solutions, while Maximizing productivity
KYC ANALYST
GOLDMAN SACHS
06.2021 - 07.2022
- Identify and verify selected new information about a client where changes are identified
- Review and action all cases/alert in accordance with the standard operating procedure and identify and report all risk and compliance issues, breaches, suspicious and unusual activities to mitigate the risk associated with
- Remediate, on a risk-based approach, information about a Client where CIP information now required was not collected during on-boarding due to - changes in regulatory requirements
- Develop a strong understanding of client's Anti-Money Laundering program, policies and procedure, and requirements-in order keep oneself updated with the latest changes
- Monitoring and reviewed customer account transactional activities on individual and business accounts and make recommendations for further review or closure
- Reporting to higher management documenting the file with supporting documents, deciding either to close the account or continue monitoring
- Have an experience of working in LEXIS NEXIS, WORLDCHECK & ABN LOOKUP
KYC ANALYST (RISK & COMPLIANCE)
IBM INDIA PVT LTD
11.2019 - 06.2021
- Ensuring that all cases are actioned with in the stipulated SLA
- Performing KYC Remediation to identify risk and potential Suspicious activity for accounts pertaining to low, medium and high risk
- Conducting AML Screening via Lexis Nexis application for outgoing wires, new accounts, and new beneficial owners of an account
- Resolve potential matches and escalate matches in a timely manner
- Analyzing the banking and address details of the client who change their details frequently
- Monitoring and reviewed customer account transactional activities on individual and business accounts and make recommendations for further review or closure
- Responsible for identifying and researching the patterns and trends in complex transactional and customer data to detect, prevent, mitigate and report suspicious activity to prevent fraud, money laundering and identity theft losses
- Experience in AML & KYC Operations, Quality assurance and Quality Checks
- Have an experience of working in WORLD CHECK, RDC, LEXIS NEXIS, APERIO, NAUTILUS AND COMIND
KYC SPECIALIST
PRICEWATERHOUSE COOPERS PVT LTD (PWC)
03.2017 - 08.2019
- Started my career in PWC as KYC Specialist
- To perform ongoing customer due diligence and updating of KYC records for existing clients
- Identify and verify selected new information about a client where changes are identified
- Review and action all cases/alert in accordance with the standard operating procedure and dentify and report all risk and compliance issues, breaches, suspicious and unusual activities to mitigate the risk associated with
- Remediate, on a risk-based approach, information about a Client where CIP information now required was not collected during on-boarding due to - changes in regulatory requirements
- Develop a strong understanding of client's Anti-Money Laundering program, policies and procedure, and requirements-in order keep oneself updated with the latest changes
- Monitoring and reviewed customer account transactional activities on individual and business accounts and make recommendations for further review or closure
- Reporting to higher management documenting the file with supporting documents, deciding either to close the account or continue monitoring
- Have an experience of working in LEXIS NEXIS, WORLDCHECK & ABN LOOKUP
Education
MASTERS OF BUSINESS ADMINISTRATION - International Finance, ACCA accredited course
CMS BUSINESS SCHOOL (JAIN UNIVERSITY)
01.2020
BACHELOR'S OF COMMERCE - Accounting
BMS COLLEGE FOR WOMENS
01.2016
Skills
- Wordcheck
- MS Office tools
- Name/Sanction screening
- KYC review
- Transaction monitoring
- Quality management
- Risk Assessment
- Fraud Detection & Investigation
- Analytical & Research Skills:
- Tools like Jarvis, Commsee, Smart Allocator, GetNext, lexis - nexis and Pegasus
Awards
Spot award for best performance (pwc), Received award in quarter 3 for QA 100% Quality in PWC., Recognition for Quick learning(IBM).
Timeline
FINANCIAL CRIME OPERATIONS ANALYST
COMMON WEALTH BANK OF AUSTRALIA PRIVATE LIMITED
10.2022 - Current
KYC ANALYST
GOLDMAN SACHS
06.2021 - 07.2022
KYC ANALYST (RISK & COMPLIANCE)
IBM INDIA PVT LTD
11.2019 - 06.2021
KYC SPECIALIST
PRICEWATERHOUSE COOPERS PVT LTD (PWC)
03.2017 - 08.2019
MASTERS OF BUSINESS ADMINISTRATION - International Finance, ACCA accredited course
CMS BUSINESS SCHOOL (JAIN UNIVERSITY)
BACHELOR'S OF COMMERCE - Accounting
BMS COLLEGE FOR WOMENS
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