SUNILA A C

Dedicated Risk and Compliance professional with 5 years of diverse experience in Customer identification program, Initial due diligence,Customer due diligence, Enhanced due diligence, Periodic review, transaction monitoring, and compliance within the financial sector. My expertise encompasses KYC, AML policies, and operational risk management, along with a proven ability to lead teams and deliver results independently.

• Periodic Monitoring

• Investigated and monitored customer transactions and identified potential money laundering/Red flags/terrorist financing activities

• Negative news search and PEP Determination

• Risk rating methodology and risk ranking

• High risk, Medium Risk, and Low Risk account review

• Reviewing of sanctions

• Review periodically and mitigate or call out customer Negative information based on true hit or false hit

• Investigating and escalating High risk scenarios to management level
• Knowledge of financial institution terminologies
• Investigating about unexplained third-party transactions and high risk jurisdictions transactions
• Investigating about IBO and UBO (Intermediate beneficial owner and Ultimate beneficial owner)
• Screening and Risk rating of the client

• Reviewing the alert were generated as P-value and Proportional rule

• Reviewing the customer pedigree information in customer profile (KYC)

• Collecting the inconsistent data of customer transaction which is based on yearly, monthly, weekly (Using Graphs)

• Reviewing account transactions & ensure it is in line with customer profile & as per AML/KYC policies

• While reviewing the transaction noted the transaction list of ACH, wires, checks, journals ,value transfers.

• identify the third party transactions/High risk jurisdiction/significant transaction type

• Reviewing of sanctioned countries and escalating the Alert to further action

• Identifying the risk factor which is mitigating the customer transaction based on source of funds, customer type and product, and net worth of the customer

• Raising RFI for missing information.

• reviewing three types of product alert which is Wealth management (WM), liquidity asset line (LAL), and institution securities groups (ISG).