SHIWANI BHARDWAJ
Bengaluru
Summary
Dynamic KYC professional with extensive experience in financial crime risk management. Skilled in sanctions screening, client risk assessment, and KYC remediation, driving compliance and operational efficiency within global financial institutions.
Overview
7
7
years of professional experience
Work History
Senior Risk Consultant (Financial Crime)
Ernst and Young
Bengaluru
03.2025 - 11.2025
- Performed end-to-end global KYC reviews for individuals, corporations, trusts, and financial institutions across multiple jurisdictions.
- Executed Enhanced Due Diligence (EDD) for high-risk, offshore, and PEP clients, ensuring alignment with FATF and local regulator guidelines.
- Assessed complex UBO structures, shell entities, and layered ownership across cross-border corporate clients.
- Conducted sanctions and PEP screening using World-Check and LexisNexis, ensuring compliance with OFAC, UN, EU, and HMT sanctions.
- Investigated adverse media across international sources, and escalated cases for SAR/STR filing where required.
- Supported global remediation and periodic review projects, closing high-risk KYC gaps within regulatory timelines.
- Reviewed complex client files, identified compliance gaps, and provided risk-based recommendations.
- Reviewed the Source of Funds (SOF) and Source of Wealth (SOW) documentation to mitigate global financial crime risks.
- Mentored junior analysts, and performed quality assurance checks, improving accuracy and reducing rework rates.
- Consistently met SLA, TAT, and productivity targets in high-volume, global-level environments.
Senior Manager (Branch Operation Head ) KYC AML
RBL Bank
Bengaluru
12.2023 - 01.2025
- Supervised KYC remediation, periodic reviews, and re-KYC drives, closing gaps within regulatory timelines.
- Led end-to-end KYC onboarding operations for retail, corporate, and NRI customers, ensuring compliance with global AML/KYC standards.
- Ensured accurate customer identification, document verification, and risk profiling during account opening and lifecycle events.
- Managed sanctions, PEP, and adverse media screening in coordination with centralized compliance teams.
- Coordinated with regional and global compliance teams to align branch operations with bank-wide AML policies.
- Implemented a risk-based AML approach at the branch level to mitigate financial crime, fraud, and reputational risk.
- Collaborated with compliance, legal, and law enforcement agencies to support regulatory inquiries and strengthen the organization's AML framework.
- Responsible for handling the complete branch, with over 20-25 people reporting to me for audits, performance, quality, and leaves.
- Trained new team members in new banking, AML/KYC procedures, and SAR-filing requirements.
- Worked with clients from different jurisdictions, such as the UAE, India, and the USA.
Manager (Branch Operation Head)
Axis Bank
Bengaluru
12.2022 - 12.2023
- Led end-to-end customer onboarding operations for retail, corporate, and NRI clients, ensuring compliance with global AML/KYC frameworks, and Indian regulatory requirements.
- Implemented a risk-based onboarding framework, reducing regulatory risk, and improving approval quality.
- Coordinated STR/SAR identification and escalation to Compliance and FIU-IND as part of the first line of defense.
- Supported internal, external, and regulatory audits, maintaining strong documentation, and audit-ready controls.
- Trained and supervised onboarding and operations teams on AML/KYC regulations, RBI updates, and global best practices.
- Experienced in handling a team of up to 15 people.
- Delivered risk insights and portfolio analytics to senior management, influencing strategic credit decisions.
Deputy Manager (Service Delivery Officer)
KOTAK MAHINDRA BANK
Bengaluru
07.2018 - 12.2022
- Ensuring the highest service standards are maintained for servicing clients with minimum turnaround time.
- Doing holistic review of the account including onboarding, KYC document analysis, LTR/CTR review and SOF/SOW review making sure that the account is within our risk appetite.
- Responsible for conducting internal audits in coordination with the Bank and regulatory framework.
- Responsible for validating all the CTR that are being filed for suspicious and high value cash transactions as per compliance procedure.
- Investigated customers' KYC documents to make sure that the KYC documents are up to date as per customer country requirement.
Education
MBA - PGDM- operations & marketing Dual specialization
INSTITUTE OF MANAGEMENT TECHNOLOGY
GHAZIABAD01.2020
Bachelor's - science
Delhi University
NEW DELHI , INDIA01.2014
Skills
- Customer due diligence (CDD)
- Enhanced due diligence (EDD)
- Global KYC onboarding
- High-risk and PEP client reviews
- Sanctions and watchlist screening
- Ubo identification and ownership analysis
- Source of funds (SOF) / source of wealth (SOW)
- adverse media screening
- Client risk assessment and profiling
- KYC remediation and periodic reviews
Disclaimer
I hereby declare that all the above particulars and details are true to the best of my knowledge and belief.
Timeline
Senior Risk Consultant (Financial Crime)
Ernst and Young
03.2025 - 11.2025
Senior Manager (Branch Operation Head ) KYC AML
RBL Bank
12.2023 - 01.2025
Manager (Branch Operation Head)
Axis Bank
12.2022 - 12.2023
Deputy Manager (Service Delivery Officer)
KOTAK MAHINDRA BANK
07.2018 - 12.2022
MBA - PGDM- operations & marketing Dual specialization
INSTITUTE OF MANAGEMENT TECHNOLOGY
Bachelor's - science
Delhi University