Vinisha Ramachandran
Due Diligence Associate Manager
Chennai
Summary
Talented Manager with expert team leadership, planning, and organizational skills built during successful career. Smoothly equip employees to independently handle daily functions and meet customer needs. Diligent trainer and mentor with exceptional management abilities and results-driven approach.Enriched with 11 years of experience in KYC, CDD, Client on-boarding and Periodic reviews Successful in operations spanning service delivery, quality, audit compliance and team development. Handling all aspects of operations & implementing process & procedures for smooth functioning of the process, project delivery and stakeholder management Handled KYC on-boarding, Reviews, and remediation teams with size of 30 plus people. Managed the respective process end to end and the people, respectively. Stakeholder management, Monthly process reviews as per the SLA of the process deliverables Recognized as the Subject Matter Expert (SME) and involved in updating procedures for on-boarding, High risk reviews and standard risk reviews in coordinating with onshore stakeholders and financial crime team.
Overview
11
11
years of professional experience
4
4
Languages
Work History
Manager - Corporate KYC
Wells Fargo International Solutions Pvt Ltd
03.2024 - Current
- Results-oriented with strong leadership experience across Quality Assurance and Regulatory Remediation domains.
- Successfully managed a 30-member QC team across Chennai and Hyderabad, driving quality standards, performance monitoring, and process consistency.
- Led critical regulatory remediation projects, overseeing capacity planning, SOP development, and securing risk management approvals.
- Built and maintained strong partnerships with stakeholders across US, EMEA, and APAC, aligning remediation efforts with region-specific compliance needs.
- Delivered key initiatives in client onboarding, periodic reviews, and KYC-related remediation's with a focus on accuracy and timeliness.
- Known for strategic thinking, operational rigor, and a collaborative approach to solving complex compliance and delivery challenges.
- Maximized performance by monitoring daily activities and mentoring team members.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Built high-performing teams through effective recruitment, onboarding, and talent development initiatives.
Team leader- Corporate KYC
KPMG Global services private limited
06.2022 - 02.2024
- Managing team of 15 people in the process and responsible for the respective process and client deliverables.
- Ensure to meet client requirements as part of Daily BAU.
- Representing the team in the weekly & Monthly governance call regarding the team’s overall performance reporting.
- Responsible to ensure that the team adheres to the agreed SLA of quality and productivity in the process.
- Currently dealing with financial institutions periodic reviews for all types of Risk rated clients. Mainly for Correspondent banking services and their respective client due diligence.
- Handled all types of entities namely Private Limited, PLC’s, Financial Institutions (basically Banks), partnerships etc.. Also dealing with respective Client due diligence, EDD, KYC periodic reviews and correspondent banking reviews with relative wolfsberg questionnaire submissions.
- Maintain good rapport with stakeholders and made sure that all the business requests were deal with priority and completed accordingly.
Process Lead- Corporate KYC
Tata Consultancy Services
08.2019 - 05.2022
- Periodic maintenance of client information to confirm that the risk rating continues or changes & Performing CDD & EDD.
- Analyzing the risk associated with the client. (High, Medium, Low).
- Analysis of ownership structures/contractual relationships of complex/layered entities.
- Review and verify required documents for the New to bank &existing client's.
- Performing screening for Customers, Entities & Related parties Via Google, World Check, Lexis Nexis & RDC Review and Escalating about negative news & PEP information identified in screening to the compliance by preparing High Risk Report (HRR).
- Managing Team Workflow in Terms of Production requirement.
- Organizing Team Huddles, Collating Changes/Improvement plans and passing them onto the team members.
- Maintaining reports and Monthly indicators accurately and on time.
Senior Analyst- Client Documentation Services-APAC/ Client Onboarding NAM Operations (Private Banking)
Citi Corp Services Private Ltd
10.2016 - 07.2019
- Review Client documentation and processing the Account Openings and maintenances activities for High-Net-worth Clients.
- Ensuring the requests is done with 100% accuracy by doing second check.
- Undertake quality check as per applicable sampling methodology within defined timelines and capture the details in quality tool and error log.
- Reporting daily metrics such as MIS, Accuracy and SLA.
- Name screening against the various application like World Check,.etc for periodic review (AML).
- Responsible for obtaining and completing necessary documents and ensuring that appropriate Know Your Business (KYB) assessments have been undertaken to verify the business authenticity of such business account prior to opening it.
Process Associate – Retails Account Opening and Maintenance
RBS Business Services Private LTD
06.2014 - 09.2016
- Screening the account application and mandatory checks for KYC before opening the various products (accounts).
- Ensuring that appropriate action is undertaken when dealing with any person(s) applying to open an account or connected in any way to an account that may connections with EU and UN sanctioned countries.
- Adhering to group compliance and risk policies and ensuring 100% results in internal control tests and in both internal/external audits.
Education
Bachelor of Science - Mathematics
Bishop Heber College
Tiruchirappalli, 17Skills
Project management
Interests
Surfing
Watching TV
Exploring new places
Awards
- CITI Star Awards for being a Team Player.
- Received several accolades for accurate & timely processing.
- Has been awarded the best SCL(Serving Customers life).
- Twice Awarded as star performer of the month.
- Nominated for RBS Excellence award for preventing the bank from internal violation.
- Received appreciations from onshore stakeholders for building technically a strong team in the process and guiding the team with consistent quality performance in the process.
- Ensured transition of High-risk periodic review process within a short span of 2 months.
- Ensured transition of Standard risk review process for Private bank segment.
Personal Information
- Passport Number: K1951800
- Date of Birth: 09/11/93
- Gender: Female
Accomplishments
- Successfully led KYC remediation projects for high-risk clients across APAC and EMEA, improving compliance timelines by 30%.
- Managed and upskilled a 30-member quality control team, maintaining 100% adherence to internal audit and regulatory standards.
- Spearheaded the transition of high-risk periodic review processes for private banking within a 2-month window, ensuring zero operational disruptions.
- Delivered over 98% accuracy in quality checks across client onboarding and periodic review workflows in a high-volume environment.
- Led KYC reviews and due diligence for complex entities including financial institutions, correspondent banks, and multinational corporations.
- Recognized by stakeholders for building technically strong, audit-ready teams and for maintaining process excellence under tight regulatory scrutiny.
Timeline
Manager - Corporate KYC
Wells Fargo International Solutions Pvt Ltd
03.2024 - Current
Team leader- Corporate KYC
KPMG Global services private limited
06.2022 - 02.2024
Process Lead- Corporate KYC
Tata Consultancy Services
08.2019 - 05.2022
Senior Analyst- Client Documentation Services-APAC/ Client Onboarding NAM Operations (Private Banking)
Citi Corp Services Private Ltd
10.2016 - 07.2019
Process Associate – Retails Account Opening and Maintenance
RBS Business Services Private LTD
06.2014 - 09.2016
Bachelor of Science - Mathematics
Bishop Heber College
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