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

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

India

05.2015

Skills

Transaction Monitoring Tools: Actimize, Fircosoft, Hotscan

Research Tools: Dow Jones, World-Check, Orbis, Refinitiv

Productivity Tools: MS Excel, PowerPoint, Word

Basic BI Awareness: Exposure to data interpretation, reporting, and working with structured alert systems

Strong analytical mindset with high attention to detail

Timeline