SUSHIL KUMAR K

Individual Contributor (Year 1 – EDD, CB/CIB Clients)

• Enhanced Due Diligence: Performed end‑to‑end EDD reviews for Commercial Banking (CB) and Corporate & Institutional Banking (CIB) customers, mitigating client risks and ensuring compliance with AML/KYC regulations.
• Risk mitigation: Identified red flags, escalated high‑risk cases, and ensured adherence to FATF, OFAC, and internal compliance standards.
  
  
  POD Lead & SME (Year 2 – CuDD/EDD High‑Risk Clients)
• Team leadership: Managed a 6‑member team, assigning daily case allocations and dynamically reallocating resources to meet urgent requirements.
• Team leadership: Managed a 6‑member team, assigning daily case allocations and dynamically reallocating resources to meet urgent requirements.
• Performance monitoring: Provided hourly updates to management, prepared daily/monthly reports, and maintained performance scorecards.
• Stakeholder management: Coordinated with stakeholders to resolve urgent requirements within SLA, ensuring smooth client onboarding and due diligence.
• Communication management: Circulated updates via email, arranged calls for clarifications, and ensured team alignment to avoid errors.
• Quality assurance: Maintained 100% quality scores across KYC reviews, with zero escalations or compliance breaches.
• Employee engagement: Conducted monthly one‑on‑one discussions to address employee concerns, enhance morale, and drive productivity.
• High‑risk client management: Oversaw CuDD and EDD processes, creating client journeys in Fenergo for high‑risk customers, categorizing them appropriately, and performing triage.
• Individual contribution: Conducted sample case reviews for each team member and performed QC checks across all cases to ensure compliance and accuracy beyond managerial duties.
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• On-boarding of new customers by understanding the client type and accordingly collect the KYC requirements by running the KYC Metrix checklist.
• Liaise with client representatives or RMs to obtain missing information, Product details, and other CDD details.
• Ensure AML/KYC compliance policy requirements are met and that CIP/CDD procedures are followed.
• Manage the completion of CIP/CDD documentation for all customers in line with applicable AML policies & procedures.
• Preparation of Daily/Weekly/Monthly reports for Senior Management showing the status of the Profiles.
• Validating CDD documentation provided by the business independently from various websites and vendors and requesting missing documentation.
• Reviewing and tracking CDD documentation for all customers in line with applicable KYC Polices & Procedures.
• Performing End to End Risk assessment of the customer profile in KYC platform (KYCP).

• Performing periodic reviews based onthe risk of the customer.
• Evaluating the risk rating based on current data (Material changes, screening, Sanctions)
• Ensuring Compliance with all AML Laws, Regulations, OFAC,CIP, EDD.
• Effective communication and escalation of KYC issues to the RM's, GRM, and immediatesupervisor.
• Doing GAP analysis with documents on file and requesting missing documents.
• Preparation of Daily/Weekly/Monthly reports for Senior Management showing the status of the cases (Like, Cases under review, cases with RMs, & cases completed).
• Provide training to the new Joiners and also provide support to the team members

• On-boarding of Commercial banking clients such as Corporation, Limited partnership, LLC & Trust. By understanding the client type and accordingly collect the KYC requirements by running the KYC checklist.
• Ensure AML/KYC compliance policy requirements are met.
• Risk Assessment of Clients
• Reporting unusual client activities which might relate to Sanctioned Countries, money laundering or terrorist financing.
• Coordinating activities with the HUB in order to ensure quality of services by adhering to the timeline, policies, procedures & regulatory guidelines.
• Preparation of Daily/Weekly/Monthly reports for Senior Management showing the status of the cases (Like, Cases under review, cases with RMs, & cases completed).
• Reviewing and tracking CDD documentation for all customers in line with applicable KYC Polices & Procedures. Identifying and reporting discrepancy in KYC, Shareholderstructure, Nature of business and operational information