RISHAV GHOSH
Kolkata
Summary
Organized, dependable, dedicated, versatile, self-motivated and experienced AML/CTF/KYC Regulatory Financial Crime Compliance professional, successful at managing multiple priorities with a positive attitude and having willingness to take on added responsibilities to meet team goals.
Overview
9
9
years of professional experience
Work History
AML/CTF AND KYC SPECIALIST
TATA CONSULTANCY SERVICES
Chennai
03.2022 - 06.2024
- Verifying customer documentations and validating that customer information are complete and have been recorded correctly in accordance to the US Patriot Act and Bank Policy guidelines
- Conducting research, analyzing and evaluating additional verification via Non-Documentary and Documentary methods and advising business unit to take reasonable measures to restrict the Customer's ability to use, liquidate and/or close the accounts/products
- Reviewing assigned reports and documentation such as Government IDs, Social Security Cards, Physical Addresses, Signature Cards etc to verify customer information and recording and modifying them correctly in the customer portals
- Determining the acceptability of all identification documents received from account holders
- Notifying customers/account holders whose documents have been rejected (as expired, illegible, invalid) and requesting valid and/or legible documents for processing their accounts/products
- Managing Negative News, and PEP screening functions, as appropriate (AML, CTF, KYC, CDD, EDD etc)
- Identifying, reviewing and monitoring higher-risk customers to minimize risk for the Enterprise
- Responding to all CIP related incidents
- Assisting in other activities and duties as required to develop, improve, implement, monitor and control aspects of BSA compliance for the Enterprise.
AML/KYC SENIOR ANALYST
STANDARD CHARTERED GBS
Chennai
04.2018 - 03.2022
- Performing name and account-based research on lists and reports provided through established resources to determine if evidence of money laundering and terrorism financing activity exists
- Evaluating transactions, customer profiles and relationships through open sources based on established protocol, identifying red flag issues and escalating within anti-money laundering framework for further investigation
- Maintaining familiarity with appropriate investigation techniques to support anti-money laundering activities, including research, utilizing bank's systems, intranet, internet, and external vendor solutions, as appropriate
- Effectively communicating with internal stakeholders, auditors, anti-money laundering compliance officers and conveying key information to both internal and external audiences, as appropriate
- Helping to foster a positive culture of compliance and facilitating business growth and success by working pro-actively with the business, internal control functions and other professionals to ensure that best practices and systems are in place
- Continuously upgrading self with latest money laundering and terrorist financing trends, developing new skills and acquiring related certifications
- Maintaining external awareness of research trends, information and techniques, awareness of AML, CTF, KYC, CDD, EDD, Due Diligence, PEP, Sanctions Screening, BSA trends and other related industry practices
- Managing the TAT (Tum Around Time) specified for the task as per quality for enhanced customer satisfaction level
- Giving training to new-joiners regarding the process, techniques and new trends in Ans-Money Laundering/Counter Terrorism Financing/Bank Secrecy Act trends and other related industry practices.
PROCESS ASSOCIATE
RBS SERVICES INDIA PVT LTD
Chennai
04.2015 - 04.2018
- Part of a project named SUAMP (Strategic User Access Management Programme)
- Involved in managing the user's identifies and the accesses for high-risk applications like GMS (Group Mortgage System) and Intelli-Tracs via Sail-point Identity IQ (a tool purchased by RBS) and SLX (Service Line Express)
- Managing the TAT (Tum Around Time) specified for the task as per quality for enhanced customer satisfaction level
- Performing test in UAT (User Acceptance Testing) environment while liaising with Technical Support Team
- Raising and managing CRs (Change Requests) and Incidents in IIQ along with performing Impact Analysis on various test environment
- On-boarding various applications into IIQ and scheduling their aggregation task along with their role configuration
- Involved in various BCOs (Business Checkouts) for various processes within the User Access management purview and providing monthly reports to superiors and clients
- Liaising with stakeholders for managing agendas related to CRs, Incidents, Orphans and Application On-boarding
- Providing support to in User Entitlement Reviews (UERS)
- Involved in identity cleansing, authorization of manually created identities within Sail-point IIQ
- Reviewing application discrepancies related to User Access levels and resolving it.
Education
PGDM - Marketing Management
REGIONAL COLLEGE OF MANAGEMENT
01-2015
BACHELOR OF COMMERCE - Accountancy
PRAN-NATH AUTONOMOUS COLLEGE
01-2013
Skills
- AML, CTF, Sanctions, PEP, ABC
- Red Flag Identification
- Due Diligence, CDD, EDD, Screening
- KYC, CIP, Documents Verification
- Financial Compliance, FATF, FATCA, Basel Committee, Egmont Group, Wolfsberg Group, US Patriot Act, FIUS etc
- Typing: 25-30 words per minute
- Task Prioritization, Time Management, Multitasking
- Teamwork and Collaboration, Reliability
- Professionalism, Active Listening
- Attention to Detail, Self Motivation
- Decision-Making, Relationship Building
- Excellent Communication
Software
- MS Word, Excel, PowerPoint
- MS PowerBI
Accomplishments
- Given multiple Process Improvement Ideas to improve the efficiency and TAT
- Recognized multiple times for delivering the process efficiently with NIL errors
- Received GEM Award for maintaining the quality in process consistently
- Received Spot Award multiple times for the excellence in Customer Satisfaction
- Received Silver Ovation and Star of the Month awards multiple times for contributing exceptionally towards the process
- Nominated for LOV (Living Our Values) by team members for doing the right thing by delivering customer needs on the right time.
Languages
- English
- Hindi
- Bengali
- Odiya
- Tamil
Disclaimer
I hereby declare that the information furnished above is true to the best of my knowledge.
Timeline
AML/CTF AND KYC SPECIALIST
TATA CONSULTANCY SERVICES
03.2022 - 06.2024
AML/KYC SENIOR ANALYST
STANDARD CHARTERED GBS
04.2018 - 03.2022
PROCESS ASSOCIATE
RBS SERVICES INDIA PVT LTD
04.2015 - 04.2018
PGDM - Marketing Management
REGIONAL COLLEGE OF MANAGEMENT
BACHELOR OF COMMERCE - Accountancy
PRAN-NATH AUTONOMOUS COLLEGE
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