Revati Joshi
AML Analyst
Pune
Summary
Experienced AML Transaction Monitoring Specialist with 6+ years in financial crime compliance, specializing in AML risk management, sanctions screening, and investigations. Skilled in using Actimize, Fircosoft, and Hotscan for alert handling and SWIFT payment reviews. Strong knowledge of trade finance instruments and cross-border risk, with expertise in global regulations (OFAC, UN, EU, RBI, FEMA) and risk-based due diligence. Effective communicator with solid documentation and stakeholder management skills, able to work independently in high-pressure environments.
Overview
8
8
years of professional experience
Work History
Deputy Manager II
ICICI Bank Ltd.
12.2024 - Current
- Acting as SME for AML compliance and transaction monitoring of high-net-worth NRI clients, ensuring adherence to FEMA, RBI, OFAC, UN, and EU regulations.
- Investigating alerts using Actimize, Fircosoft, and Hotscan, focusing on cross-border remittances, trade transactions, and investments.
- Reviewing import/export documents (Invoices, LCs, Bills of Lading, Bank Guarantees, shipping papers) for red flags like dual-use goods and sanctions exposure.
- Performing risk-based KYC, CDD, and EDD for clients in wealth management and international trade.
- Monitoring transactions for signs of money laundering, layering, structuring, and high-risk jurisdictions.
- Supporting STR filings by preparing investigation notes and documentation as per regulatory standards.
- Collaborating with Wealth, Trade, Compliance, and Sanctions teams to resolve alerts and ensure compliance.
- Contributing to ongoing enhancements in AML controls and documentation aligned with GMMMCs.
Senior Process Associate
Tata Consultancies Services Ltd.
08.2018 - 09.2023
- Promoted from Level 1 to Level 2 Analyst, managing end-to-end sanctions screening and investigations of global banking transactions and counterparties.
- Reviewed SWIFT messages (MT103, MT202, MT199) and trade finance documents using Hotscan to detect links to sanctioned entities, vessels, jurisdictions, and dual-use goods.
- Investigated complex alerts involving Letters of Credit (LsCs), SBLCs, Documentary Collections, and Bills of Lading for sanctions risks.
- Conducted enhanced due diligence (EDD) with Dow Jones, Orbis, Refinitiv, and World-Check to assess ownership, end-user risk, and supply chain vulnerabilities.
- Analyzed transaction flows and shipping routes for red flags like high-risk ports, transshipment hubs, and opaque counterparties.
- Drafted detailed investigation summaries aligned with MUFG’s AML and sanctions policies.
- Supported audits and regulatory inspections with accurate documentation and process compliance.
- Provided real-time screening during client onboarding and payment processing, escalating high-risk cases per OFAC, EU, and UN sanctions.
- Client: MUFG Bank Limited
Financial Service Consultant
ICICI Prudential Life Insurance Ltd
06.2017 - 08.2018
- Delivered personalized insurance solutions to clients, meeting sales goals and ensuring client retention.
- Developed rapport with customers through active listening and solution-oriented discussions.
- Conducted product training and contributed to upselling initiatives.
Education
Bachelor’s Degree - Commerce
University of Pune
India05.2015
Skills
Transaction Monitoring Tools: Actimize, Fircosoft, Hotscan
Timeline
Deputy Manager II
ICICI Bank Ltd.
12.2024 - Current
Senior Process Associate
Tata Consultancies Services Ltd.
08.2018 - 09.2023
Financial Service Consultant
ICICI Prudential Life Insurance Ltd
06.2017 - 08.2018
Bachelor’s Degree - Commerce
University of Pune