Vikash Kumar

Perform due diligence of new and existing clients covering a wide range of different client types including; Listed and Regulated, small/medium/ large private and public companies as well as more complex structures such as; SPVs, Co-operatives, Foundations and Funds, Governments, Joint Ventures, etc.

Manage New Client Adoption or Periodic Review stream, to ensure that all requests are approved in accordance with regulatory requirements and the organization's internal policies.

End to end understanding of KYC operations from documentary and non-documentary verification as per CIP/CDD/EDD policy, Ultimate Helpful Ownership (UBO) and Controllers IDV, nature of business, source of wealth / funds and customer screening against watchlist of Sanctions, PEP and adverse media.

Identify key issues, risks, trends, observations and provide reporting of results to key stakeholders

Analyzed large amounts of data to find patterns of fraud and anomalies.

Present findings via formalized feedback loop process, track and monitor corrections to identified critical defects (LOB and KYC)

• Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
• Communicated with compliance manager to thwart potential money laundering or terrorist financing.
• Performed periodic reviews and reports on merchants to comply with rules, regulations and KYC requirements.
• Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents.
• Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
• Analyzed business problems, identifying root causes and developing robust solutions.
• Developed and presented business cases, presentations and reports to senior management.

• Transaction Monitoring and Fraud Investigation, Expertise in AML/CFT, sanction, PEP, Terrorist financing, Transaction monitoring, SAR filing,
• PMLA, FATF And FATCA
• Sound knowledge of regulatory guidelines issued by regulator such as OFAC/UN/EU Regulations and associated impact
• Investigate suspicious activities and behavior that could pose a risk to our customers and client in global markets
• Optimizing business processes Ensure high quality decision by applying TRMS standard operational
• Procedures
• Identify known fraud patterns, discover new modus operandi trends and take action to minimize risk
• Use a wide range of internet and in-house tools to research transactions and gather data to make accurate decisions
• Take appropriate actions to identify and help to minimize financial, legal and reputational risk.

• Ability to manage sensitive information and maintain a high degree of confidentiality
• Assessment of credit/fraud risk over the accounts that may cause loss of revenue for the client
• Perform analysis on collected data and providing support to senior leadership team
• Maximizing client revenue by keeping FCB & FPR in place hence optimal business efficiency
• Working over client database such as Triton/Nautilus to manage various case queues for the client
• Communicate via email and telephone to external and internal customers and financial institutions to make informed decisions about risk
• Demonstrated ability to work independently with little or no guidance, conducting complex investigation analysis to reach data driven decisions following established procedures
• Identify hacking or account take over, fraud and communicate same to customer, stakeholders and financial institutions and sanitize account
• Produced effective procedures for performing credit risk and fraud investigations and deployed monitoring processes to keep teams consistent in all areas
• Authored thorough reports detailing results of investigations and recommendations to improve compliance and maintain solvency
• Proficiency in MS Office package (Word, Excel, PowerPoint and Outlook) and Internet browsing
• Passion for learning, improving and keeping up with risk trends and commitment to Company's emergence as the world's most customer-centric company
• Monitored social media and online sources for industry trends
• Supervise a team of 5 executives, all working to meet daily targets in terms of conversions, revenue, leads
• Initiated contact with prospects and conducted follow-up calls to garner information and qualify leads
• Provided basic technical support for clients on wide range of company products
• Improved customer satisfaction ratings by addressing issues and fostering timely resolution
• Liaised with customers, management and sales team to better understand customer needs and recommend appropriate solutions
• Conferred with customers about concerns with products or services to resolve problems and drive sales
• Coordinated client meetings to offer expert, individualized service, driving sales and boosting brand loyalty
• Educated customers about billing, payment processing and support policies and procedures
• Investigated and resolved accounting, service and delivery concerns
• Managed quality assurance program, including on-site evaluations, internal audits and customer surveys.

• Resolved conflicts and negotiated mutually beneficial agreements between parties
• Gurgaon
• Preserved revenue streams by utilizing strong communication and negotiation skills, offering refunds as last resort to maintain customer satisfaction
• Achieved and consistently exceeded revenue quota through product and service promotion during routine calls
• Educated customers on promotions to enhance sales
• Entered customer interaction details to track requests, document problems and record solutions offered
• Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns
• Managed quality assurance program, including on-site evaluations, internal audits and customer surveys
• Monitored social media and online sources for industry trends.