SHARUMATHI N

1. Streamlined the AML investigative process to increase throughput and reduce friction, ensuring both regulatory compliance and customer satisfaction.
2. Delivered high-efficiency case turnarounds, proactively identifying risk indicators while upholding a commitment to positive client relations.
3. Led complex EDD investigations for high-risk accounts, streamlining the assessment process while ensuring full regulatory adherence.
4. Managed specialized EDD workflows for HNWIs and multi-layered transactions, balancing thorough investigative standards with operational efficiency.
5. Conducted deep-dive forensic reviews of complex financial activities and high-net-worth individuals, identifying and escalating potential red flags with high precision.
6. Maintained 100% compliance with AML protocols by identifying, documenting, and escalating anomalous transaction behaviors through a rigorous risk-based approach.
7. Streamlined the escalation process for suspicious activity reporting, ensuring all recommendations were concise, actionable, and aligned with global compliance standards.
8. Recommended process improvement to enhance efficiency, accuracy, and compliance in due diligence procedures.
9. Collaborated with cross-functional teams including Escalations, Financial Crime Compliance (FCC), and Learning & Development (L&D) to optimize workflows and due diligence processes.
10. Maintained up-to-date knowledge of regulatory updates, integrating changes into daily KYC/EDD procedures to ensure regulatory adherence.

• Hands-on experience in END-TO-END KYC process of commercial banking clients and Individual clients.
• Verify customer identity through document verification and ensure accuracy of provided information.
• Analyze the purpose and nature of customer relationships to determine potential risk factors.
• Collect and examine required documents such as identification, proof of address, business licenses, and legal entity documentation.
• Evaluate risk associated with each customer based on factors such as industry, transaction volume, and business type.
• Conduct appropriate levels of EDD based on the Risk rating.
• Screen customer Information according to government sanctioned lists and politically exposed persons (PEP) databases.
• Obtaining approval from respective compliance teams when adverse media/Sanctions/PEP Exposure are identified.
• Responsible for accurately researching, analyzing, evaluating, and documenting KYC information.
• Experience in onboarding new clients and periodic KYC reviews.
• Gather and analyze documentation in accordance with regulatory and KYC requirements.
• Identifying high-risk accounts from information received from other sources.
• Escalate cases that require further investigation or action.
• Conducted appropriate SOW & SOF reviews and prepared accurate summaries for potential hits.
• Performed investigations on red flags or unusual transaction for High-risk customers and prepared summaries on suspicious transaction and reported to internal ML team for preparation of suspicious transaction reports.
• Conducted sanction reviews and prepared accurate summaries on OFAC exposure.
• Performed frequent monitoring to find out the terror funding in potential exposure.
• A leading global IT services, consulting, and business solutions organization.

• Core activity is to audit the Explanation of Benefits (EOBs) processed by Keyin Members.
• Making allocations for the team after planning SLA and KPI.
• Auditing critical client files with different updates.
• Responsible for training and development of Keyin Members.
• Reporting of errors found per user in a month and publishing that on the dashboard.
• A leading global IT services, consulting, and business solutions organization.

• Worked in a key role ensuring confidentiality of information.
• Maintained SLA with more than 98% quality.
• Worked on Payment and Non-Payment Explanation of Benefits (EOBS).
• Challenged existing workflows with new ideas.
• A leading global IT services, consulting, and business solutions organization.