Sindhu Sampathkumar
SME- AML Investigations
Bengaluru
Summary
Experienced AML Compliance Specialist with 7+ years in financial crime investigations, risk assessment, and regulatory compliance. Expertise in transaction monitoring, suspicious activity detection, and conducting complex investigations across global markets. Proven ability to enhance investigative frameworks, optimize processes, and ensure regulatory adherence. Adept at pattern recognition, anomaly detection, and risk mitigation, driving efficiency and compliance in AML operations. Seeking an SME role to leverage expertise in driving compliance initiatives and strengthening financial crime prevention strategies.
Overview
8
8
years of professional experience
Work History
AML Analyst
TATA Consultancy Services
12.2016 - 08.2019
- Contributed as a key team member in the pilot batch for Standard Chartered Bank – US AML-CB transition from Norkom Detica to Mantas
- Played a critical role in the pilot batch for United Services Automobile Association (USAA) – US Retail Banking-NCB for Retail Banking
- Monitored USD correspondent banking transactions for retail and wholesale banking customers
- Applied a risk-based approach to detect and mitigate financial crime risks
- Conducted adverse media screening and public domain investigations to identify threats
- Optimized detection scenarios and DSO analytics through system testing and fine-tuning
- Investigated historical transactions to uncover money laundering and financial crime risks
- Reviewed AML alerts, assessed suspicious activity, and conducted case investigations
- Evaluated wire transfers, payments, and withdrawals for fraud and inconsistencies
- Performed customer due diligence (CDD) and flagged high-risk entities
- Escalated suspicious transactions for Suspicious Activity Report (SAR) filing
- Conducted research and analysis to support SARs and risk assessments
- Identified transactional anomalies, trends, and financial crime patterns across banking products
F&A Operations Associate- AML
NTT Data Services
10.2019 - 01.2020
- The project was discontinued and decided to exit NTT Data Services in December 2019.
Senior Analyst
Standard Chartered Bank
03.2020 - 03.2022
- Company Overview: GBS/ Standard Chartered Bank
- Served as a team member for Transaction and Trade Monitoring- INDIA AML- NCB and Trade Monitoring- NCB
- Conducted surveillance of retail and wholesale banking transactions at the customer and account levels
- Applied a risk-based approach to assess, mitigate, and manage financial crime risks
- Performed adverse media screening and public domain investigations to identify potential threats
- Optimized DSO tuning and analytics, leveraging testing experience to enhance detection accuracy
- Monitored historical transactions to identify money laundering and financial crime risks
- Reviewed AML system-generated alerts and cases to detect and investigate suspicious activity
- Assessed wire transfers, payments, and withdrawals for fraud, inconsistencies, and unusual patterns
- Analyzed past alerts and case histories to assess prior investigations and outcomes
- Conducted customer due diligence (CDD) and assessed high-risk cases based on detection scenarios and threshold breaches
- Referred AML-related transactions to appropriate teams and escalated fraudulent activities for SAR filing
- Conducted research and provided insights to support Suspicious Activity Reports (SARs)
- Investigated and monitored suspicious account activity, recommending further review or closure when necessary
- Utilized transactional data, external sources, and public records to identify unusual financial activities
- Performed detailed analyses of transaction trends, anomalies, and financial crime patterns across various banking products
- GBS/ Standard Chartered Bank
- Handling the pre-trade verification process and the post trade application cases
- Verifying if the trade documents are compliant with the triggered activity and ensuring due diligence on concerned counterparties and focal entities
- Mitigation of risks with proper trade supporting documentation and investigation on a timely basis
Associate II/ Trainer/ Quality Associate
PWC India
03.2022 - 07.2023
- Delivered comprehensive training programs for new hires, fostering operational excellence
- Conducted quality control (QC) reviews to verify KYC onboarding and periodic review applications
- Assessed client profiles in accordance with KYC onboarding procedures, identifying and addressing red flags to ensure compliance
- Conducted KYC due diligence for new client onboarding and periodic reviews to ensure compliance with regulatory requirements
- Verified customer identification documents, business structures, and beneficial ownership as part of the KYC onboarding process
- Assessed customer risk profiles, identifying potential red flags and escalating high-risk cases for further review
- Reviewed and analyzed source of funds, transactional behavior, and adverse media screening to detect financial crime risks
- Ensured adherence to AML policies, FATF guidelines, and regulatory frameworks during client due diligence
- Maintained and updated customer records, risk assessments, and compliance documentation
- Collaborated with compliance teams, relationship managers, and regulators to resolve KYC-related issues
- Assisted in the enhancement of KYC procedures by identifying process gaps and recommending improvements
AML Investigations- A2
Stripe, Inc
07.2023 - Current
- Conducted complex AML investigations across EMEA, APAC, and the US, analyzing transactional activity and customer behavior to identify potential money laundering, fraud, and sanctions violations within Stripe’s global payments network
- Performed enhanced due diligence (EDD) and adverse media reviews on high-risk merchant accounts escalated through Jira tickets, assessing reputational risks and potential regulatory concerns
- Investigated suspicious transactions involving fiat and cryptocurrency payments, utilizing a risk-based approach to detect financial crime patterns and mitigate regulatory exposure
- Reviewed and analyzed merchant KYC profiles, beneficial ownership structures, and source of funds, ensuring compliance with global AML/CFT regulations and Stripe’s internal risk policies
- Conducted historical transaction reviews to assess prior investigative actions, identify emerging risk trends, and enhance Stripe’s financial crime detection methodologies
- Prepared and documented comprehensive investigative reports, providing clear risk assessments and recommended actions for internal escalations and regulatory reporting
- Worked cross-functionally with compliance, legal, risk, and fraud teams, ensuring a coordinated response to escalated cases and ongoing regulatory obligations
- Contributed to AML policy enhancements, collaborating on the development of investigative procedures and detection models to improve efficiency and accuracy
- Monitored emerging financial crime risks and typologies, proactively adjusting investigative techniques to align with evolving threats in the fintech and digital payments space
- Successfully led multi-jurisdictional AML investigations, identifying illicit financial activities that resulted in escalations to regulatory authorities and law enforcement agencies
- Strengthened Stripe’s adverse media screening process, optimizing review workflows to reduce turnaround times and improve the accuracy of high-risk merchant assessments
- Enhanced Jira case management processes, refining escalation procedures and prioritization frameworks for more efficient investigative operations
- Provided key insights that contributed to AML transaction monitoring system improvements, enhancing the detection of suspicious activity across Stripe’s global payments ecosystem
- Recognized for delivering high-quality, data-driven investigative reports, supporting risk-based decision-making and ensuring adherence to regulatory requirements
- Assisted in refining Stripe’s AML compliance strategies, aligning investigative practices with global regulatory standards, including FATF, FinCEN, and APAC/EMEA regulations
- Acted as a subject matter expert (SME), supporting training initiatives and mentoring junior investigators to enhance analytical capabilities
Education
BCom - Computer Application
SASTRA University
07.2013 - 7 2016
Skills
Risk Analysis
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
AML Investigations- A2
Stripe, Inc
07.2023 - Current
Associate II/ Trainer/ Quality Associate
PWC India
03.2022 - 07.2023
Senior Analyst
Standard Chartered Bank
03.2020 - 03.2022
F&A Operations Associate- AML
NTT Data Services
10.2019 - 01.2020
AML Analyst
TATA Consultancy Services
12.2016 - 08.2019
BCom - Computer Application
SASTRA University
07.2013 - 7 2016
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