Riya Sharma

• Understanding the circumstances, and why OCDD is required for this customer at this point. Evaluating the risk attributes to the customer.
• Confirm that information held by the Bank regarding the identity, existence and organizational structure of the customer is complete, accurate and current through reviewing existing KYC information of the customer or re-verifying KYC information as required.
• Identify and document the connected parties(including beneficial owners) which may exercise influence and control over the customer and their accounts, or which may be influenced and controlled by the customer, to support application of appropriate due diligence.
• Screen the customer and their connected parties to identify attributes or affiliations to high risk individuals/entities which may elevate the customer's risk profile.

• Understanding red flags encountered during past reviews such that we do not discount historical fraud indicators.
• Conducting a comprehensive check and understanding of customers, their businesses, and the information held about them in our system. This meticulous process includes verifying the business's registry page, KYC uploads of Applicants, Shareholders, and Directors, and proof of NOB, instilling confidence in our data management.
• Checking and understanding associations of customer with other retail or business customers within Revolut. This includes checking common beneficiary and payers.
• Checking topcounter parties are aligned with Nature of Business or not, or if they have any ML/Fraud related concerns. This also include checking if there is any crypto exchange or payment processor in counterparty.
• Review transaction behavior of customer, observe if customer have FIFO pattern, payee name mismatch or evidence of structuring.

• Collect, clarify, update, and/or verify Know Your Customer(KYC) data and/ or re-verify existing KYC data in relation to the customer and the customer's associated persons.
• Source additional information or reconfirm data relating to the customer, including source of funds(SOF), source of wealth(SOW), purpose of relationship, or any other information pertinent to addressing the ML/TF risk presented by the customer.
• Determine whether more frequent or enhanced monitoring of the customer is required.
• Determine whether the expected pattern of transactions and behaviors of a customer is consistent with customer profile.
• Confirm whether any suspicion has arisen that will require notification to Australian Transaction Reports and Analysis Centre(AUSTRAC) and/or any other relevant government agency/ies.

Analyst in a collaborative and supportive team, working towards improving the customer journey. Converting our customer profile to CDD pathways. Currently part of the CDD Review Team. Performing End to End reviews of low/medium-risk customers.

• Review the ownership structure to make sure we understand levels of ownership and control relevant beneficial owners.
• Review Business nature and purpose.
• Review transactions and turnover of customer
• Determine whether the client’s profile and trading activity seemed legitimate or not by applying various AML regulations to prevent financial fraud, money laundering and terrorist financing.
• Processing all applications through the workflow system, within the agreed SLA along with company policies and procedures.
• Coordination with stakeholders and Relationship managers both written and verbal for issues understanding and resolving.