Summary
Overview
Work History
Education
Skills
Timeline
Generic

Saranya Umashankar

Bengaluru

Summary

Detail-oriented and proactive banking professional with over 3.5 years of experience in banking operations support, customer due diligence, and AML/KYC. Proven expertise in onboarding, transaction monitoring, and regulatory compliance. Possesses strong analytical and communication skills, with hands-on experience in customer onboarding, accounts payable, and accounts receivable. Certified in AML/KYC by IIBF.

Overview

7
7
years of professional experience

Work History

Associate

South Indian Bank
08.2021 - Current
  • Conducted Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for individual and business accounts based on customer risk category.
  • Screened customers against PEP, Sanctions, and Watchlists using internal systems, ensuring full compliance with AML regulations.
  • Identified red flags and escalated high-risk or unusual transactions to compliance for further investigation.
  • Verified customer KYC documents and ensured onboarding compliance in line with FATF recommendations and RBI KYC Master Directions.
  • Supported AML compliance efforts through accurate record-keeping and assisting in periodic KYC reviews and remediation projects.
  • Educated customers on account types and digital banking while ensuring strict adherence to regulatory policies.
  • Collaborated with internal risk and compliance teams during branch audits and internal investigations.
  • Reviewed and concluded alerts generated by fraud prevention/monitoring systems, ensuring timely detection and
    prevention of fraudulent activities
  • Overseeing multiple sections of a branch, including cash management, deposits, gold loans, and more, while handling
    various operations such as KYC and AML compliance, domestic and foreign currency deposits, currency exchange, cash management, clearing operations, CRM, NEFT, RTGS, NACH, ATM services, and transactions for savings and current accounts. Additionally responsible for managing gold loans, loans on deposits, and other related tasks.

Audit Analyst (T&E)

SAP Concur
05.2018 - 06.2019
  • Processed global employee expense claims, and conducted in-depth expense auditing.
  • Provided high-quality customer service for T&E-related inquiries.
  • Flagged policy violations and reported exceptions to the compliance and finance team.
  • Communicated issues with top management, and coordinated with international clients.

Education

Master of Commerce - Banking And Finance

St. Joseph University
06-2019

Bachelor of Commerce - Finance

Jyoti Nivas College
Bengaluru, India
06-2018

Skills

  • Technical skills - Financial 1025, MS Office Suite
  • Competencies: KYC onboarding, AML screening, regulatory compliance, customer service, transaction monitoring, attention to detail, effective communication

Timeline

Associate

South Indian Bank
08.2021 - Current

Audit Analyst (T&E)

SAP Concur
05.2018 - 06.2019

Master of Commerce - Banking And Finance

St. Joseph University

Bachelor of Commerce - Finance

Jyoti Nivas College

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Saranya Umashankar