Sebastian Chen
Pune
Summary
Financial Crime and AML professional with 3.5 years of expertise in transaction monitoring, fraud investigations, and forensic accounting. Proficient in analyzing complex financial behaviors and identifying anomalies to support law enforcement reviews. Experienced with Actimize SAM 9a and 9b, focusing on end-to-end investigation workflows and risk assessment. Currently enrolled for SAS AML course, for transaction monitoring lifecycle improvements to minimize false positives and enhance financial crime detection.
Overview
4
4
years of professional experience
Work History
Associate - Transaction monitoring
BNY
Pune
08.2024 - Current
- Conducted end-to-end Level 1 and Level 2 AML investigations, including analysis of integration typologies, customer behavior, and transactional patterns to identify potential suspicious activity.
- Reviewed and validated L1 investigation outputs to ensure adherence to internal quality standards, regulatory expectations, and compliance frameworks.
- Assisted the Credit Risk team in risk assessing companies by supporting sanctions screening, evaluating transactional behavior, and identifying inconsistencies that could elevate overall customer risk.
- Escalated cases for SAR filing in accordance with BSA/AML regulations, FATF guidelines, and internal escalation procedures.
- Worked on 60+ monitoring rules, and handled complex scenarios involving 100+ behavioral scores and multi-rule combinations within a single case.
- Demonstrated a strong commitment to deadlines by working beyond regular hours to support audit-sensitive and time-critical cases for onshore stakeholders.
- Utilized multiple research and monitoring tools, including QSS-LexisNexis, Actimize, NEXEN, GoldTier, ACTR, and Host Explorer, to support comprehensive investigations and decision-making.
Senior Analyst -Transaction Monitoring
eClerx (Client - Worldpay).
Pune
05.2023 - 07.2024
- Reviewed alerts generated by the transaction monitoring system to identify potentially suspicious activities, conducting detailed investigations, and documenting findings in line with regulatory and internal requirements.
- Assessed risk associated with customers, counterparties, and transactions by analyzing factors such as transaction volume, frequency, behavioral patterns, account activity, and overall customer profile.
- Performed Quality Assurance (QA) reviews on transaction monitoring alerts and investigations completed by junior analysts to ensure accuracy, completeness, and adherence to policies, procedures, and regulatory standards.
- Provided training, mentoring, and investigative guidance to junior analysts to strengthen their understanding of AML typologies, red flags, documentation standards, and investigation best practices.
AML Analyst
Concentrix - (Client IBM - Barclays).
Pune
08.2022 - 05.2023
- Conducted comprehensive due diligence on clients to ensure full compliance with KYC, AML, and regulatory onboarding requirements.
- Reviewed and analyzed customer-provided documents for identity verification, risk assessment, and compliance validation as part of the Customer Due Diligence (CDD) process.
- Performed end-to-end onboarding due diligence, assessing customer profiles, business activities, financial information, and potential risk indicators.
- Identified and documented Ultimate Beneficial Owners (UBOs), shareholders, and authorized signatories by reviewing official registries, such as Companies House, and directly communicating with customers to confirm ownership structures.
Internship - Third Party Due Diligence & AML
KPMG
Pune
05.2022 - 07.2022
- Prepared comprehensive legal due diligence reports for the Mergers & Acquisitions process from scratch, covering detailed company background, ownership and leadership structure, business activities, and regulatory standing.
- Making use of MCA (Ministry of Corporate Affairs) for Indian companies to identify the CIN and DIN of the entity, and the Managing Directors associated with the entity.
- Using Lexis Nexis to fetch any litigation filings, regulatory actions, and sanctions imposed on the entity and the directors.
- Also, using tools like Refinitiv and Dow Jones RiskCenter to identify PEPs linked with government or state-owned entities, other than the entity with which the individual is linked.
- Doing primary and secondary research for adverse press with negative strings.
Internhip -Equity Research
Equivaluesearch
Kolkata
02.2022 - 04.2022
- Prepared detailed research summaries on various equity sectors and companies.
- Collaborated with analysts to enhance research methodologies and data accuracy.
- Conducted market trend analysis to identify potential investment opportunities.
- Assisted in creating presentations for internal and client meetings on equity findings.
- Analyzed financial data to support investment recommendations and reports.
- Built comprehensive databases of publicly available information pertaining to a variety of sectors, mainly the banking and steel sectors.
Education
B.Com - Accounting And Finance
Techno India University
Kolkata08-2020
High School Diploma -
Kendriya Vidyalaya
Kalimpong05-2017
Skills
- AML investigations
- Risk assessment
- Transaction monitoring
- Customer due diligence
- Ofac
- Sanctions screening
- Critical thinking
- Risk mitigation
- Pivot tables
Timeline
Associate - Transaction monitoring
BNY
08.2024 - Current
Senior Analyst -Transaction Monitoring
eClerx (Client - Worldpay).
05.2023 - 07.2024
AML Analyst
Concentrix - (Client IBM - Barclays).
08.2022 - 05.2023
Internship - Third Party Due Diligence & AML
KPMG
05.2022 - 07.2022
Internhip -Equity Research
Equivaluesearch
02.2022 - 04.2022
B.Com - Accounting And Finance
Techno India University
High School Diploma -
Kendriya Vidyalaya