SUNIL A C
Bengaluru
Summary
Dynamic Risk and Compliance Senior Analyst specializing in KYC and AML compliance at IBM India. Established history of enhancing due diligence, conducting periodic reviews, and executing transaction monitoring to ensure stringent sanctions compliance. Proficient in utilizing Microsoft Office for data analysis while cultivating strong client relationships to promote compliance excellence.
Overview
6
6
years of professional experience
Work History
Risk and Compliance Senior Analyst
IBM INDIA PRIVATE LIMITED
Bengaluru
01.2022 - Current
- Performed periodic reviews of customer accounts to ensure updated KYC documentation and compliance.
- Executed transaction monitoring to identify unusual activity and escalate potential AML/CFT risks.
- Carried out sanctions screening against global regulatory lists to prevent prohibited transactions.
KYC Analyst
FIDELITY NATIONAL FINANCIAL INDIA
Bengaluru
09.2019 - 12.2021
- Executed Customer Identification Program checks to verify client identities per regulatory standards.
- Performed initial due diligence to establish baseline risk profiles.
- Conducted ongoing Customer Due Diligence for compliance with AML/KYC regulations and maintaining accurate documentation.
Education
Skills
- KYC and AML compliance
- Customer due diligence
- Periodic review
- Transaction monitoring
- Screening procedures
- Sanctions compliance
- Performed L1 and L2 review
- Microsoft Office proficiency
Job summary
- Conducted alerts review for diverse counterparties, including trusts, charities, financial institutions, individuals, LLCs, and INCs
- Performed L1 (initial screening) and L2 (detailed investigation) reviews to validate alerts and escalate suspicious activity
- Investigated high-risk customer segments such as politically exposed persons (PEPs), non-profit organizations, and cross-border entities
- Reviewed transactions for structuring, layering, and round-tripping patterns to detect potential money laundering
- Monitored large-value transactions, rapid fund movements, and unusual geographic activity against customer profiles
- Conducted open-source and external searches to gather counterparty intelligence and mitigate unusual transactions
- Initiated RFIs to gather additional customer and transaction information required for AML reviews
- Prepared and documented case files and escalation reports for compliance teams and regulatory submissions (SAR/STR)
- Collaborated with compliance officers to ensure AML/KYC standards and regulatory requirements were met
- Utilized transaction monitoring systems to analyze alerts by product type (wires, ACH, cash deposits, trade finance)
- Identified and reported transactions linked to sanctioned jurisdictions or flagged under OFAC, UN, or EU lists
- Supported quality assurance reviews to improve alert handling and strengthen monitoring effectiveness
- Delivered peer group analysis to benchmark customer activity against industry norms
- Assisted in training new analysts on alert review procedures and compliance protocols
- Good knowledge of Microsoft Office applications, with hands-on experience in data analysis and reporting
Software
- LexisNexis Risk Solutions
- World-Check (Refinitiv)
- RDC Negative News
- SAS AML screening
- Actimize (NICE)
- Dow Jones risk and compliance
Disclaimer
I declare that all details furnished in this résumé are true and correct to the best of my knowledge and belief
Timeline
Risk and Compliance Senior Analyst
IBM INDIA PRIVATE LIMITED
01.2022 - Current
KYC Analyst
FIDELITY NATIONAL FINANCIAL INDIA
09.2019 - 12.2021