Sharmila Raheem

Financial Crime Investigations:

• Conduct high-impact investigations into AML, fraud, terrorist financing, sanctions breaches, bribery, corruption, and tax evasion in line with global/regional standards.
• Prepare and file Suspicious Activity Reports (SARs) / Suspicious Transaction Reports (STRs) in accordance with regulatory and internal policy requirements.
• Identify, escalate, and report sensitive/high-risk cases to regulators and senior leadership with actionable recommendations.

Collaboration & Stakeholder Management:

• Partner with regional and market-based investigation teams to ensure consistent global execution of investigative procedures.
• Build and maintain strong relationships with internal stakeholders, regulators, and public sector partners to enhance intelligence sharing and controls.

Reporting & Risk Insights:

• Deliver Management Information (MI) reports and emerging risk insights to senior management, enabling proactive decision-making.
• Highlight emerging threats and vulnerabilities, ensuring leadership has a forward-looking view of risks.

Loss Recovery & Risk Mitigation:

• Lead loss recovery efforts in confirmed financial crime cases, reducing both financial exposure and reputational risk.

Leadership & Development:

• Mentor and develop junior investigators, supporting people development and succession planning.
• Drive process improvements and strategic alignment across the FCI function to strengthen overall capability.

TBML&AML Investigations:

• Investigated trade finance alerts (LCs, collections, supply chain finance, receivable finance, trade loans) generated by GSNA across 36 global markets.
• Detected and mitigated TBML, sanctions evasion, terrorist financing, and fraud risks through deep analysis of trade documents, counterparties, and transaction flows.

Due Diligence & Intelligence Gathering:

• Conducted enhanced due diligence using KYC/CDD protocols, negative news, and intelligence sources to validate customer and transaction risks.
• Analyzed high-risk clients and counterparties to identify red flags and suspicious patterns.

Fraud Risk Management:

• Investigated fraud cases involving forged documents, fictitious shipments, invoice manipulation, and collusion between counterparties.

Reporting & Escalation:

• Prepared and submitted Analyst Case Narratives (ACNs) in line with regulatory requirements.
• Escalated high-risk cases to Global Trade Teams (GTT) with detailed assessments.

Collaboration & Consistency:

• Partnered with RMs and global trade functions to ensure coordinated investigations and remediation actions.

Trade Finance Operations:

• Managed corporate and SME clients, processing LC issuance, bill discounting, inward/outward remittances, and export/import bills.
• Supported transaction execution through Finacle, Intellect, Axis Remit Connect, SFMS, FX Connect.

Client & Team Management:

• Acted as team in-charge for trade and forex operations, resolving client queries and ensuring smooth service delivery.
• Guided corporate clients in online trade transaction processes, enhancing operational efficiency.

Recognition & Achievements:

• Awarded Customer Service Excellence Award (FY 2018–19).
• Recognized by ABB India Ltd for exceptional client service and support.

Trade Finance Services:

• Delivered end-to-end trade finance solutions including LC issuance/amendments, advising, discounting, bank guarantees, and export/import bill handling.
• Processed transactions via Finacle, SWIFT, Trade Factory, FCRM, Omni Flow with high accuracy.

Digital Banking Solutions:

• Implemented and supported corporate clients on internet banking, bulk uploads, trade online portal, and tax payments.

Recognition & Contribution:

• Recognized by senior managers and clients for outstanding client service.
• Acted as a key contributor to branch success through delivery of corporate solutions.