SAKTHIPRIYA KUMAR
Bengaluru
Summary
Detail-oriented KYC/AML Professional experienced in financial-crime risk assessment, client due diligence, and regulatory compliance. Delivered impactful data-driven decisions that enhanced efficiency and improved business outcomes through analytical skills and strategic thinking. Focused on leveraging technical expertise in data interpretation and statistical analysis to support organizational objectives.
Overview
1
1
Certification
10
10
years of professional experience
Work History
Analyst
MUFG
Bangalore
04.2022 - Current
- Execute Transaction Due Diligence (TDD) for Financial Institution (FI) clients, including review of client profiles, AML programs, transactions and customer relationships to assess potential financial-crime risks.
- Reviewed and assessed EDD documentation for completeness and appropriateness, synthesizing information from multiple internal and external sources into clear risk assessments.
- Review transactional data within defined timeframes, identify potential red flags or inconsistencies, and conduct sanctions / PEP / adverse media screening in line with applicable policy.
- Identified financial-crime indicators to assess potential risks., including ML/TF typologies, high-risk jurisdictions and nested activity risks, and escalate material findings for further review.
- Prepare detailed, concise TDD/EDD narratives and Tear Sheet reports with AML/CTF insights for site visits, calls and advisory review.
- Partner with AML and sanctions teams to resolve RFIs and handle regulatory escalations, while maintaining quality and timely case completion
- Analyzed financial data to support investment decision-making processes.
- Prepared detailed documentation for compliance and regulatory reviews.
- Collaborated with cross-functional teams to streamline operational workflows.
KYC/AML Analyst
KPMG
Bangalore
01.2020 - 03.2022
- Led onboarding, periodic reviews, and Enhanced Due Diligence (EDD) for high-risk clients, ensuring compliance with regulatory requirements.
- Conducted AML/CTF reviews of financial institutions, investment managers, CIS funds, and public companies across multiple jurisdictions, identifying compliance gaps and risks.
- Applied risk-based methodologies to assign customer risk ratings in compliance with AML/CTF standards.
- Performed client research and adverse media/sanctions screening to identify potential financial-crime risk indicators, while enhancing risk assessment processes.
- Developed and implemented strategies to enhance compliance practices company-wide.
- Monitored changes in global AML regulations and assessed the impact on existing policies and procedures.
- Provided training to junior analysts on anti-money laundering policies and procedures.
- Participated in investigations of potential financial crimes within client portfolios.
- Maintained detailed records of all suspicious transaction reports submitted by the organization.
KYC/AML Analyst
TCS
Chennai
11.2016 - 10.2019
- Managed entire KYC process KYC data/document refresh and periodic review activities in line with client policy and KYC requirements.
- Reviewed customer and connected-party information, expected activity, and account purpose to enhance financial-crime risk assessment.
- Applied knowledge of AML regulations, industry trends, red flags, typologies, client onboarding procedures, customer risk rating and PEP considerations.
- Assisted with onboarding reviews for individual and institutional customers, including casinos, money service businesses, financial institutions, and regulated entities.
- Conducted Negative News Screening (NNS) during onboarding, periodic review and material trigger events; escalated financial-crime indicators identified during CDD.
- Identified and escalated risk observations and issues, trained new joiners on AML/KYC processes.
- Analyzed financial transactions for suspicious activity to identify potential compliance violations.
- Prepared detailed reports on findings to facilitate internal review and ensure compliance with regulatory standards.
- Performed thorough investigations on potential violations of Anti-Money Laundering regulations.
Education
B.Sc. - Mathematics & Computer Science
SASTRA University
Skills
- Financial Crime & AML
AML/CTF KYC CDD EDD Transaction Due Diligence Financial Crime Risk Analysis Regulatory Compliance
- Risk, Screening & Investigations
Risk Assessment Customer Risk Rating Sanctions Screening PEP Screening Adverse Media Negative News Screening RFI & Escalation Management
- Research & Analytics
Client & Entity Research Data Analysis Risk-Based Analysis Data Validation Data Visualization Financial Crime Research
- Technology & Data Tools
SQL RDBMS Power BI Alteryx SharePoint MS Excel World-Check LexisNexis Bloomberg RDC
- Professional Capabilities
Process Improvement Compliance Reporting Cross-Functional Collaboration Stakeholder Management Complex Problem Solving Training & Knowledge Transfer
CORE COMPETENCIES
- Enhanced Due Diligence (EDD) & Customer Due Diligence (CDD)
- Transaction Due Diligence (TDD) & Transaction Monitoring
- AML/CTF Risk Assessment, Red Flags & Financial Crime Risk
- KYC Onboarding, Periodic & Event-Driven Reviews
- Sanctions, PEP & Negative News / Adverse Media Screening
- Financial Institution (FI) & High-Risk Client Reviews
- ML/TF Typologies, Risk Escalation & Regulatory Queries
- AML/CTF Narratives, Risk Assessments & Tear Sheet Reporting
- FATF, BSA, US Patriot Act, OFAC & Wolfsberg
Skills
- Financial Crime & AML
AML/CTF | KYC | CDD | EDD | Transaction Due Diligence | Financial Crime Risk Analysis | Regulatory Compliance
- Risk, Screening & Investigations
Risk Assessment | Customer Risk Rating | Sanctions Screening | PEP Screening | Adverse Media | Negative News Screening | RFI & Escalation Management
- Research & Analytics
Client & Entity Research | Data Analysis | Risk-Based Analysis | Data Validation | Data Visualization | Financial Crime Research
- Technology & Data Tools
SQL | RDBMS | Power BI | Alteryx | SharePoint | MS Excel | World-Check | LexisNexis | Bloomberg | RDC
- Professional Capabilities
Process Improvement | Compliance Reporting | Cross-Functional Collaboration | Stakeholder Management | Complex Problem Solving | Training & Knowledge Transfer
Certification
- CAMS (Certified Anti-Money Laundering Specialist) – In Progress
- PEX Certification
Career Highlight
- Contributed to process and control improvements through SharePoint tracking enhancements, improving workflow visibility and operational efficiency.
- Delivered AML/CTF training and knowledge-transfer sessions for new joiners, supporting consistent application of compliance processes and procedures.
- Supported testing, implementation and process-change initiatives across TDD Dashboard, Alteryx, SharePoint, VDI and O365 migration environments.
Timeline
Analyst
MUFG
04.2022 - Current
KYC/AML Analyst
KPMG
01.2020 - 03.2022
KYC/AML Analyst
TCS
11.2016 - 10.2019
B.Sc. - Mathematics & Computer Science
SASTRA University