Summary
Overview
Work History
Education
Skills
Certification
Languages
Additional Information
Timeline
Generic
Swetha M

Swetha M

Chennai

Summary

Accomplished KYC Analyst with extensive experience in financial and operational reporting, compliance adherence, and strategic financial planning. Proven track record in managing KYC processes at Axis Bank and Citi Bank, ensuring regulatory compliance and optimizing manual reviews. Demonstrated expertise in customer due diligence, risk assessment, and team performance improvement.. Adept at managing high-risk reviews, conducting thorough investigations, and optimizing KYC processes. Proven ability to train and mentor team members to enhance productivity and maintain quality standards. Strong background in client service, compliance adherence, and performance improvement. Career goal includes leveraging analytical skills to drive compliance initiatives and support business growth within the financial sector.

Overview

7
7
years of professional experience
1
1
Certification

Work History

KYC Analyst

Citi Bank Served by Axis Bank
Chennai
03.2023 - Current
  • Dealing with customers across pan-India.
  • Supported KYC processes for prospective and existing customers.
  • Analyzed and investigated clients to conduct detailed customer due diligence, and enhanced due diligence review.
  • Reviewed customer documents and information to ensure compliance with KYC regulations.
  • Responded promptly to inquiries from customers regarding KYC policies and procedures.
  • Collected and organized loan documents before submission to underwriting.
  • Tracked regulatory changes related to AML and KYC requirements.
  • Maintained accurate records of all KYC documentation and analysis results.
  • Coordinated with internal departments to resolve discrepancies in customer data.
  • Reviewed customer financial data to ascertain level of risk involved for extending credit.
  • Provided guidance to junior analysts during complex investigations.
  • Identified customer risk levels based on established criteria.
  • Monitored and maintained compliance with internal controls and government regulations.
  • Monitored accounts for changes in activity that could indicate fraud or suspicious behavior.
  • Participated in regular training sessions to stay up-to-date on industry trends.
  • Worked with cross-functional teams to achieve goals.

KYC Analyst

Citi Bank
Chennai
12.2021 - 02.2023
  • Dealing with customers across pan-India and overseas.
  • Customer identification process through a video call, performing due diligence checks.
  • Reviewing KYC documentation thoroughly and accurately within the stipulated timeline.
  • Complete KYC onboarding for new and pre-existing customers (KYC Refresh) by reviewing client documentation, vendor databases, and data entered proprietary.
  • Track and report all documentation breaks.
  • Gathering detailed data about the customer and analyzing it.
  • Compliance with regulations and the attainment of customer details.
  • Validate the information within KYC records and Customer Identification Program (CIP) documents to ensure completion and accuracy.
  • Profiling the customers and promoting the digital banking services, as well as cross-selling banking products based on their needs.
  • Formulated and submitted suspicious activity reports to alert management regarding doubtful customers and risks involved
  • Registered information in the database to maintain accurate records of customers, track history, and print supporting documentation.
  • Assessed new account documentation to verify information and determine high-risk customers.
  • Performed follow-up calls with clients to obtain missing information and manage incomplete applications.
  • Evaluated policies and procedures to determine compliance, and recommend improvements to processes.
  • Demonstrated strong, resourceful skills to help the company prevent money laundering, terrorist financing, and illegal financial activities.
  • Monitored team performance and provided constructive feedback to increase productivity and maintain quality standards.
  • Monitored time and attendance, enforcing compliance with company procedures related to absenteeism.
  • Held weekly team meetings to inform team members about company news and updates.
  • Supervised team members to confirm compliance with set procedures and quality requirements.
  • Worked with the team to identify areas of improvement and devised solutions based on findings.
  • Promoted high standards through personal example to help each member understand expected behaviors and standards.
  • Verified customer identity using public records, financial databases, and other resources.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Worked effectively in team environments to make the workplace more productive.

Electronic Relationship Manager (Deputy Manager)

ICICI Bank
Chennai
11.2020 - 12.2021
  • Handling a set of Thousand Privilege banking customers and being a one-point contact with the bank
  • Providing various services and assistance based on the needs of the customers.
  • Generating revenue for the organization by pitching various products according to the needs of the customers.
  • Sales conversion of third-party products (LI, GI, MF, Demat), and increasing the revenue portfolio.
  • Handling and selling various asset products, such as PL, HL, and AL, by coordinating with the respective executives as per the customer needs.
  • Maintain the CASA book of the customers, and provide investments.
  • Provided expert financial advice to clients, enhancing their decision-making process.
  • Developed and executed strategies for customer retention and acquisition.
  • Maintained in-depth knowledge of market trends and competitor activities to advise clients effectively.
  • Established strong relationships with clients through regular, personalized communication.
  • Evaluated customer feedback to identify areas of improvement in products or services offered.
  • Built financial models to allocate resources, forecast cash and investment needs and make capital budgeting decisions.
  • Collaborated with internal teams to develop strategies that would increase customer engagement levels.
  • Maintained updated records of all customer identification data.
  • Performed due diligence on potential customers to ensure compliance with KYC regulations.
  • Monitored customer accounts for changes in ownership or structure that may require additional KYC reviews.
  • Assisted in developing new strategies for mitigating money laundering risks associated with customer accounts.

Junior Executive Project Management

SPi Global
Chennai
11.2017 - 09.2019
  • Coordinating directly with the UK Pearson client - BU's and the onsite leads about the project workflow
  • Reviewing the files and understanding the requirements through direct interaction with clients regarding legal issues, and ensuring the guidelines are met accordingly.
  • Researching the manuscript for any external or third-party content, as well as the images, and recording them.
  • Maintaining the database for the particular project and updating the changes in the respective tools (PRISM, IPM, and Blueprint).
  • Image research from the provided sources, based on the requirements provided, was followed by a quality check.
  • Linking the assets and images in the blueprint based on the selection in the manuscripts.
  • Securing permission from the respective rights holder to use their content in our Pearson Education textbook.
  • Mentoring and coaching are given to the new team members.
  • Securing invoices for the images from the preferred vendors.
  • Downloading high-resolution files from the vendors and providing them to the production team to update in the books.
  • Reviewing pass pages for accuracy in crediting, acknowledgment, as well as the image placement, and coordinating with the production team for any corrections.
  • Shipping the corresponding agreements and paperwork to clients for reference on future editions.
  • Quality checks the project, and also maintains the error reports.

Education

Post Graduate Diploma in Banking - Banking And Finance

Manipal University
Bengaluru, KA
02-2021

BE - EIE

Jerusalem College of Engineering
Chennai, TN
04-2017

HSC -

St.Aloysius.A.I.Hr.Sec.School
Chennai, TN
03-2013

SSLC -

St.Aloysius.A.I.Hr.Sec.School
Chennai, TN
03-2011

Skills

  • Customer identification
  • AML compliance
  • Microsoft office
  • Strategic financial planning
  • Business Development
  • Good telephone etiquette
  • Decision making
  • Compliance requirements
  • Compliance adherence
  • Client service
  • Teambuilding
  • Client profile building
  • Problem-solving aptitude
  • Workforce management
  • Customer engagement
  • Spreadsheet tracking
  • Performance monitoring

Certification

  • AMFI
  • IRDA
  • Investment banking course

Languages

Tamil
First Language
English
Proficient (C2)
C2
Hindi
Intermediate (B1)
B1

Additional Information

SPOUSE NAME : Mr. Mithunkumar 

D.O.B and AGE :19-10-1995, 29YEARS. 

GENDER : Female. 

MARITALSTATUS : Married. 

NATIONALITY : Indian. 

COMMUNICATION : No.10, Kesavan St, Nammalwarpet, Ch-600012.

Timeline

KYC Analyst

Citi Bank Served by Axis Bank
03.2023 - Current

KYC Analyst

Citi Bank
12.2021 - 02.2023

Electronic Relationship Manager (Deputy Manager)

ICICI Bank
11.2020 - 12.2021

Junior Executive Project Management

SPi Global
11.2017 - 09.2019

Post Graduate Diploma in Banking - Banking And Finance

Manipal University

BE - EIE

Jerusalem College of Engineering

HSC -

St.Aloysius.A.I.Hr.Sec.School

SSLC -

St.Aloysius.A.I.Hr.Sec.School

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Swetha M