RANJANA R
Palakkad
Summary
Dynamic Financial Crime Advanced Analyst with extensive experience at Ernst & Young, specializing in AML, sanctions Screening, and transaction monitoring. Proven ability in Enhanced Due Diligence and fraud detection, coupled with strong team leadership skills. Adept at process improvement and quality control, ensuring compliance and mitigating risks effectively. Demonstrated ability to work collaboratively with cross functional teams to engage organizational compliance and fraud prevention measures.
Overview
3
3
years of professional experience
Work History
Financial Crime Compliance Advanced Analyst
Ernst & Young
Bangalore
03.2024 - Current
- Experience in delivering financial crime projects in AML (Anti-Money Laundering), sanctions, payment screening, and transaction monitoring.
- In customer screening, identifying risk associated with individuals/entities by performing a risk assessment, sanctions, PEP, and adverse media scanning, which is done during customer onboarding and customer monitoring.
- In name screening, searching for customer names for their designation on official sanctions lists, PEP lists, and watchlist lists, or in negative news (adverse media) stories, in order to accurately gauge the level of money laundering risk that they present.
- Identifying various red flags in each transaction and ascertaining the decision based on a case-to-case scenario.
- Investigation for a UAE-based MNC bank performing remediation for individuals and non-individuals according to central bank requirements.
- Performing Enhanced Due Diligence (EDD) reviews utilizing available applications, various third-party and internal databases, and measuring the risk of the customer as per the client standard and remediation of the cases as required (high, medium, and low risk).
- Following the substation procedure, it is important to identify that a bank is not under sanction risk and to review the client details as part of screening and discounting the key identifiers.
- Taking decisions (closing RFI and escalate) based on the analysis. Maintaining a current understanding of global money laundering and terrorist financing issues, including policies, procedures, regulations, industry best practices, criminal typologies, and developing trends.
Associate Business Analyst
TATA CONSULTANCY SERVICES LIMITED
Bangalore
03.2022 - 03.2024
- Responsible for performing Customer due diligence including maintenance and updating of KYC records and information for clients
- Performing the required KYC screenings on customers, documenting the information obtained on the client's as required by KYC procedures and norms
- Validation of identity of individuals and entity through various sources and documents provided by clients and responsible for gap analysis
- Handling financial activity like Electronic fund transfer (EFT) as well as The Depository Trust & Clearing corporation (DTCC), through its subsidiaries, underwriting and corporate actions processing for the U S Financial service industry
- Analyzing client data Agent and Agency Debt
- Possess sound knowledge on drafting an investigation report, detect suspicious activity, risk assessment, internal practices and submit relevant reports to regulated bodies as per Client’s requirements
- Active participation in calibration calls
- Mentoring the new joiners and the team to achieve desired result/quality of work
- Bridging process gap by handling their queries
- Provides Refresher training to the team on regular basis
- Team discussions, WebEx calls and brain storming sessions periodically to provide the best ideas to improve the process and customer satisfaction
Education
B.Com - Computer Application
College of Applied Science, Chelakkara (IHRD) – University of Calicut
Kerala01.2021
12th (HSE) - Commerce
Directorate of Higher Secondary Education
Kerala01.2018
SSLC -
Kerala State Board
Kerala01.2016
Skills
- MS Office proficient
- Name screening
- Enhanced due diligence
- Customer due diligence
- Fraud detection
- Team leadership
- Process improvement
- Quality control
- Quick learner
- Customer periodic review
Accomplishments
- EY Achiever Extraordinaire Award for Reliability and consistency in delivering results.
- EY Spot Recognition Award for UAE based bank project.
- TCS, Top Performer Award from business partners.
- TCS Awarded BPS Champions League Team Award and Special Initiative Awards for the outstanding performance.
Disclaimer
I hereby declare that all the information furnished in this document is true to the best of my knowledge.
Timeline
Financial Crime Compliance Advanced Analyst
Ernst & Young
03.2024 - Current
Associate Business Analyst
TATA CONSULTANCY SERVICES LIMITED
03.2022 - 03.2024
B.Com - Computer Application
College of Applied Science, Chelakkara (IHRD) – University of Calicut
12th (HSE) - Commerce
Directorate of Higher Secondary Education
SSLC -
Kerala State Board
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