Sanjaya Kumar Kullu
Bangalore
Summary
Detail-oriented and result driven KYC/AML Compliance Quality Assurance professional with 12 years of experience in financial compliance, risk assessment and fraud prevention, PEP, Adverse Media and Sanctions Screening and Transaction Monitoring. Demonstrates expertise in requirements and Advanced KYC/AML procedures resulting in reductions in the risk incidents and compliance breaches to combat financial crime effectively and achieve newer goals of the organization.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Assistant Manager Senior KYC Officer
BNP Paribas India Solutions Pvt Ltd
10.2022 - Current
- Conducted quality control on the due diligence reviews on new and existing clients to ensure compliance with AML/KYC regulations and internal policies
- Ensuring monthly targets with high quality of KYC review files and contributing to decrease in non-compliant cases
- Implemented strong Risk Based Approach methodologies for high-risk profiles improving fraud identification
- Collaborated with cross-functional teams to conduct in-depth investigation into the issues identified to meet the strict deadline
- Liaising with senior management and compliance team to obtain approval to mitigate the risk in various red flags identified in the customer profile
- Ensuring workload management and through reporting and timely follow-ups regarding the file status
- Maintaining good rapport with the onshore stakeholders, management and various teams for the smooth running of the process
- Trained and mentored junior due diligence officers in the compliance standards and investigative best practices to maintain high quality
- Maintained good rapport with the stakeholders, management and the training team to clarify on and solve the process gaps and challenges encountered and ensure better improvement in the process
- Cross-trained and supported other KYC regional teams during high influx of volume to dilute the over workload
- Ensured detailed reporting for senior management and timely follow-ups regarding status of the files in progress
- Contributed on the remediation projects to align with the regulatory requirements
Quality Controller KYC Reviews
Société Générale Global Solution Centre
11.2016 - 10.2022
- Managed workflow allocation for the team and ensuring timely completion of the deliverables
- Ensured quality check of KYC reviews and maintaining high quality of KYC records for new and existing customers
- Management Information Reporting regarding the progress and the status of the ongoing due diligence review files
- Ensured effective communication with the stakeholders and various teams seeking their regular feedback for continuous improvement
- Handled Client Outreach in collaboration with onshore stakeholders for document sourcing
- Mantained optimum quality of the KYC files and address the quality issues with the help from team members and management for better resolution and optimization of the process
- Supported core and other teams for the English translation of the documents in French language
- Assisted in interview process for French language skill-based roles in KYC teams
- Trained the new joiners in the KYC process due diligence best practices
Investigation Executive
HSBC Electronic Data Processing India Private Limited
12.2014 - 08.2016
- Monitored customer transactions for suspicious activity in the system generated alerts and escalated critical cases
- Maintained documentation of records of the customers account activity to comply with AML/KYC requirements
- Performed transaction monitoring of the Corporates and FI clients to mitigate risks by identifying various red flags in the account activities
- Ensured AML Compliance by mitigating the identified risks in the system generated payment alerts for the Corporates and FI clients
- Provided French to English translation of the procedural documents
- Collaborated with the senior management and team for new project of French regional clients
- Reported to the management regarding the status of the completion of and work in progress and the challenges encountered for better optimization of the process
- Reported to the management regarding the progress made in workflow management
Customer Service Executive
HSBC Electronic Data Processing India Private Limited
03.2013 - 11.2014
- Processed domestic and international payments in compliance with the policies and procedures
- Maintained high quality in checking the processed files
- Discussed proactively with stakeholders, colleagues and management for the better improvement in the process
- Worked on the core tasks, cross-trained and supported different teams during the volume spike
- Maintained good rapport with the team members, management and the stakeholders
Education
DELF B1 - French
Université de Lomé
Lomé07.2008
Master of Arts - Philosophy
Bhopal University
Bhopal, Madhya Pradesh05.2007
Bachelor of Arts - English-Literature
Loyola College
Chennai, Tamilnadu04.2004
Skills
- Quality Assurance
- Know Your Customer (KYC) Procedures
- Anti-Money Laundering (AML) Compliance
- Risk Assessment
- Customer Due Diligence (CDD) & Enhanced Due Diligence (EDD)
- Politically Exposed Persons (PEP) Identification
- Regulatory Reporting
- Workforce Management
- Change Management
- Training & Development
- Adverse Media and Sanctions Screening
- Transaction Monitoring
- Managerial Skills
- Problem Solving
Certification
- Agile (A beginner session organized within organization)
- Project Management Professional (May 2021...Pursuing)
- ICA Advanced Practical Customer Due Diligence (Dec 2020)
Languages
English (Proficient)
French (Proficient)
Hindi (Proficient)
Oriya (Proficient)
Tamil (Elementary)
Greek
Beginner (A1)
Hebrew
Beginner (A1)
Awards
Rising Star Payments 2013, Quality Award KYC Reviews 2020
Hobbies and Interests
Basketball, Volley ball, Football, Cricket, Hockey, Music and Movies
Accomplishments
Rising Star Payments Team Player 2013 - HSBC, Bangalore, India
Additional Information
Software Proficiency
Excel, KYC/AML tools, Actimize, SUN, Shine, World Check, LexisNexis, Dow Jones Advanced Adverse Media Screening (DJAAMS), Bank Check and Orbis
Disclaimer
I hereby declare that the information above furnished is true and correct to the best of my knowledge.
Name: Sanjaya Kumar Kullu
Date: 24/09/2025
Timeline
Assistant Manager Senior KYC Officer
BNP Paribas India Solutions Pvt Ltd
10.2022 - Current
Quality Controller KYC Reviews
Société Générale Global Solution Centre
11.2016 - 10.2022
Investigation Executive
HSBC Electronic Data Processing India Private Limited
12.2014 - 08.2016
Customer Service Executive
HSBC Electronic Data Processing India Private Limited
03.2013 - 11.2014
DELF B1 - French
Université de Lomé
Master of Arts - Philosophy
Bhopal University
Bachelor of Arts - English-Literature
Loyola College
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