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RISHATH RAJENDRAN
Senior AML/KYC Compliance Professional | MLRO | Institutional FCC | Investment & Crypto Compliance
Bangalore
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Summary
Senior Financial Crime Compliance professional with 11+ years of progressive experience across AML/CFT and institutional FCC, investment compliance, corporate lending AML, and crypto compliance within UAE, India, Mauritius, and UK-regulated environments. Experienced in MLRO functions, institutional onboarding, UBO investigations, sanctions compliance, STR/SAR reporting, regulatory remediation, and FATF-aligned governance frameworks. Proven expertise supporting SCA-regulated entities, global banking portfolios, hedge fund onboarding, and blockchain transaction investigations using Chainalysis and Elliptic. Strong track record in regulatory governance, compliance transformation, institutional due diligence, and cross-border financial crime risk management.
Overview
1
1
Language
3
3
Certifications
11
11
years of professional experience
Work History
Senior Compliance Officer
Aetram Finserv LLC
03.2025 - 03.2026
- Manage MLRO responsibilities, including STR escalation, suspicious activity investigations, and 100% on-time goAML reporting to the UAE FIU within 24–72 hour regulatory timelines.
- Lead the enterprise-wide AML/CFT compliance program for the UAE SCA-licensed entity across Category 3 (Asset Management) and Category 5 (Financial Consultations) licensed activities, overseeing the BWRA and Customer Risk Assessment frameworks.
- Design and execute a Compliance Monitoring Programme covering KYC quality assurance, sanctions screening, financial promotions compliance, and outsourcing risk.
- Implemented CMA-aligned financial promotions pre-approval workflow, managed third-party outsourcing due diligence, and strengthened vendor AML/CFT controls.
- Delivered compliance training and board-level reporting to enhance regulatory inspection readiness and support three lines of defense governance across the UAE, India, and Mauritius.
- Key Achievement: Implemented the BWRA framework aligned to the UAE Federal Decree-Law No. 20 of 2018 and Cabinet Decision No. 10 of 2019; achieved 100% on-time STR submission to UAE FIU.
- Managed relationships with regulators, ensuring transparent operations through open communication channels.
- Evaluated new regulations for potential impact on business operations, taking proactive measures to ensure readiness for implementation.
Senior Consultant – AML Advisory
Protiviti / Deutsche Bank Project
06.2024 - 10.2024
- Conducted institutional KYC/AML evaluations for Deutsche Bank corporate lending portfolios, enabling effective identity verification and document authentication for high-value transactions.
- Performed detailed institutional KYC/AML evaluations for Deutsche Bank corporate lending portfolios, facilitating identity verification and document authentication for significant transactions.
- Assessed funding sources and loan purpose rationale, conducting economic rationale assessments and SOW reviews to mitigate financial crime risks in high-value corporate lending.
- Performed guarantor analysis and related-party exposure assessments, ensuring comprehensive audit trails are maintained for compliance purposes.
- Executed guarantor analysis and conducted related-party exposure assessments, while maintaining comprehensive audit trails.
- Implemented EDD controls for over 40 high-risk clients across multiple offshore jurisdictions.
- Coordinated with multiple departments to standardize the implementation of AML policies, enhancing compliance consistency across the organization.
Senior AML KYC-QC Analyst
FutureSoft / PwC Acceleration Centers
02.2024 - 05.2024
- Analyzed blockchain transactions with Chainalysis and Elliptic to trace cryptocurrency flows and identify suspicious patterns in DeFi protocols.
- Streamlined transaction monitoring programs for crypto transactions, increasing detection rates for high-risk digital asset activity, and minimizing false positives.
- Performed blockchain transaction analysis using Chainalysis and Elliptic to trace cryptocurrency flows and identify suspicious patterns across DeFi protocols.
- Supported regulatory remediation and compliance transformation, ensuring alignment with FATF standards and jurisdictional requirements.
Senior Compliance Officer – Fund Management
Amicorp Fund Management Services
09.2023 - 02.2024
- Conducted EDD on high-risk clients and complex structures, including PEPs, cross-border vehicles, offshore holdings, feeder funds, and trust structures, ensuring comprehensive UBO tracing for enhanced regulatory compliance.
- Executed KYB reviews, SoW/SoF analysis, and investment rationale assessments for hedge fund and private equity onboarding, facilitating efficient compliance, and risk management.
- Conducted EDD on high-risk clients and complex structures, including PEPs, cross-border vehicles, offshore holdings, feeder funds, and trust structures, with full UBO tracing.
- Conducted transaction monitoring and AML reviews for over 1,000 client alerts, identifying potential risks, and ensuring adherence to regulatory standards.
- Delivered AML/KYC training to over 50 employees across multiple departments.
- Maintained risk matrices covering AML, operational, sanctions, and reputational risk categories across multiple jurisdictions.
Senior Quality Control Analyst – Financial Crime
NatWest Group (RBS Business Services)
02.2015 - 02.2024
- Led financial crime quality assurance programs across retail and corporate banking for 9 years, conducting end-to-end reviews of KYC/CDD, transaction monitoring, sanctions screening, and SAR reporting.
- Achieved a 30% increase in potential ML activity identification through transaction monitoring optimization, and streamlined SAR processes, reducing turnaround by 30%.
- Key Achievement: Increased ML identification by 30%; reduced SAR turnaround by 30%; reported over 100 suspicious cases, contributing to a 25% decrease in potentially fraudulent activities.
- Reduced QA error rates by 10% through enhanced review protocols, and increased team productivity by 20% via structured training initiatives.
- Supported automation initiatives using Excel Macros/VBA to enhance reporting efficiency and streamline operational workflows.
- Supported automation initiatives, along with the technology team, by preparing a BRD document, which helped the team build an automation tool using Excel Macros/VBA to improve reporting efficiency and operational workflows.
- Career Progression: AML Analyst – Sanctions Screening (2015–2016); AML Senior Analyst – Transaction Monitoring (2016–2018); Lead QA Analyst – Financial Crime Investigation (2018–2024).
Education
MBA - Banking And Finance
IIKM Business School (Bharathiyar University)
Chennai, India 04.2001 -
Skills
AML regulations expertise
Regulatory compliance
Sanctions screening
Know your customer
Enhanced diligence
Customer diligence
Transaction monitoring
Risk management
Bank secrecy act
USA PATRIOT act
Regulatory reporting
Financial analysis
Program development
Activity reporting
Chainalysis
Elliptic
Accomplishments
- Designed and implemented BWRA framework aligned to UAE Federal Decree-Law No. 20 of 2018, establishing three-lines-of-defence governance model
- Achieved 100% on-time STR submission to UAE FIU via goAML platform within regulatory timelines
- Increased potential ML activity identification by 30% through enhanced transaction monitoring at NatWest Group
- Reduced SAR turnaround timelines by approximately 30% through process enhancement
- Led blockchain AML review of 10,000+ crypto transactions using Chainalysis and Elliptic platforms
- Recovered fraudulent claims exceeding GBP 10,000 through financial crime investigations
- Strengthened institutional onboarding frameworks for hedge funds, PE structures, and offshore investment vehicles across multiple jurisdictions
Software
World-Check
Dow Jones Risk & Compliance
Transaction Monitoring
Fircosoft
Moody’s
Lexis Nexis
Tableau
Microsoft Tools
Certification
ACAMS CAMS (Certified Anti-Money Laundering Specialist) – In Progress
Timeline
Senior Compliance Officer
Aetram Finserv LLC
03.2025 - 03.2026
Senior Consultant – AML Advisory
Protiviti / Deutsche Bank Project
06.2024 - 10.2024
Senior AML KYC-QC Analyst
FutureSoft / PwC Acceleration Centers
02.2024 - 05.2024
Senior Compliance Officer – Fund Management
Amicorp Fund Management Services
09.2023 - 02.2024
Senior Quality Control Analyst – Financial Crime
NatWest Group (RBS Business Services)
02.2015 - 02.2024
MBA - Banking And Finance
IIKM Business School (Bharathiyar University)
04.2001 -