Vishal Kumar Singh
New Delhi
Summary
AML/KYC and transaction monitoring professional with extensive experience in conducting investigations for both traditional and digital money. Proven ability to analyze transaction patterns, identify AML typologies, and execute risk-based investigations to ensure compliance. Dedicated to reducing financial crime risks within the financial services sector. Skilled in team development, case handling, analyst guidance, quality reviews, and process improvement.
Overview
9
9
years of professional experience
Work History
Team Developer
Anaptyss
Gurugram
04.2026 - Current
- Conducted end-to-end transaction monitoring investigations for crypto-asset clients, identifying potential money laundering, fraud, sanctions, and other financial crime risks.
- Investigated transactions across key AML and cryptocurrency typologies, including structuring, layering, rapid movement of funds, mule activity, account takeover, high-risk jurisdictions, darknet exposure, and suspicious wallet activity.
- Used Excel Pivot Tables, charts, and reports to analyse transaction data, identify trends, and support data-driven investigation outcomes.
- Analysed customer profiles, transaction history, KYC information, source of funds, blockchain activity, wallet behaviour, and customer risk indicators to identify suspicious activity.
- Conducted Enhanced Due Diligence (EDD) on high-risk customers and escalated complex or critical cases to Compliance and Financial Crime teams.
- Reviewed and validated analyst-processed cases to ensure accuracy and consistency in CDD, EDD, transaction monitoring assessments, risk classification, and case documentation, reducing the risk of compliance errors.
- Contributed to AML process improvements and policy documentation, developing innovative solutions that enhanced investigation quality and strengthened financial crime controls.
Senior Associate
Genpact India pvt limited
Gurugram
03.2024 - 04.2026
- Conducted comprehensive customer risk assessments, evaluating adverse media, transactional behavior, KYC information, and other risk factors to establish customer risk classifications and escalation requirements.
- Enhanced transaction monitoring by applying data analysis, pattern recognition, and investigative techniques to identify cryptocurrency-related threats and suspicious transaction patterns.
- Prepared comprehensive Suspicious Activity Reports (SARs), documenting investigative findings, suspicious activity indicators, supporting evidence, risk assessments, and recommendations for regulatory reporting.
- Conducted end-to-end investigations of transaction monitoring alerts on the Coinbase platform to identify potential money laundering, fraud, sanctions evasion, terrorist financing, and other financial crime risks.
- Evaluated complex and high-risk cases and made risk-based SAR filing recommendations in accordance with regulatory requirements, internal policies, and financial crime compliance procedures.
- Ensured investigations were completed within established service-level agreements (SLAs) while maintaining high standards of accuracy, quality, regulatory compliance, and risk-based decision-making.
- Led process improvement initiatives that enhanced investigation workflows, transaction monitoring effectiveness, and financial crime detection capabilities.
- Collaborated closely with Compliance, Risk Management, Fraud Prevention, and Operations teams to facilitate timely case resolution, effective risk escalation, and regulatory adherence.
Operation Analyst- Reconciliation & Settlement
PhonePe Pvt. Ltd.
Bangalore
05.2021 - 09.2023
- Proficient in financial operations with a focus on transaction monitoring, reconciliation, refunds, and merchant settlements across PAN-India merchants on the PhonePe platform.
- Oversaw PAN-India merchant transactions, refunds, and settlement activities, ensuring accurate reconciliation, timely processing, and adherence to operational and compliance requirements.
- Managed daily bill payment and merchant settlement operations, ensuring smooth transaction processing and timely resolution of discrepancies.
- Managed transaction monitoring for BBPS (Bharat Bill Pay System) across mobile recharges, FASTag, electricity, credit card, and loan payments, ensuring compliance with operational standards.
- Analysed transaction data to identify irregularities, reconciliation breaks, refund issues, and potential fraudulent activity, supporting effective risk mitigation.
- Monitored revenue-generating transactions, including brand vouchers, gift cards, and donation campaigns, ensuring accuracy in settlement and enhancing revenue flow.
- Collaborated with key stakeholders, including NPCI and RBI, to resolve transactional issues and support regulatory compliance.
- Monitored fraudulent transactions and coordinated with RBI and Cyber Cell teams to block suspicious users and strengthen transaction security.
- Streamlined merchant and NGO onboarding processes, improving transaction monitoring efficiency and reducing onboarding time.
Customer Success: Reconciliation's & Settlements
(Rentomojo) Edunetwork Pvt. Ltd.
Bangalore
01.2019 - 04.2021
- Managed customer inquiries via email and chat, ensuring positive experiences and efficient issue resolution while facilitating revenue generation through sales and closures, contributing to company growth and compliance in transaction monitoring.
- Played a pivotal role in the reconciliation of fraudulent transactions and late payments as part of the recovery team, safeguarding financial integrity and compliance through meticulous monitoring and resolution processes.
- Retained customers by promoting benefits of transaction monitoring services, providing proactive assistance, and ensuring timely payments through reminders, enhancing compliance.
- Managed customer concerns and provided on-call resolutions, effectively handling escalated issues related to transaction monitoring, ensuring minimal disruption to operations.
- Monitored customer refunds and settlements, overseeing charges and payments to ensure accurate transaction records and adherence to regulations.
- Addressed customer queries and concerns regarding transaction monitoring on social media platforms, actively engaging customers to rate services online for transparency and compliance improvement.
RENTOMOJO Customer Experience Executive- Outbound and Data validation ( Internship)
Edunetwork Pvt. Ltd.
06.2017 - 08.2017
- Conducted customer experience review calls with existing customers to gather feedback and encourage ratings on Play Store and other platforms, supporting customer engagement initiatives.
- Organized and compiled structured reports from unstructured data on customer pending refunds and settlements, enhancing clarity for team review.
- Collaborated with cross-functional teams to develop innovative training programs.
- Led strategic initiatives to enhance educational technology solutions.
- Directed market research to identify emerging trends in education services.
Education
B.com - Commerce
Shyam Ial Delhi University
Delhi01-2018
Skills
- Team Leadership, Data management, Financial Reconciliation, Customer Success, KYC Verification, Financial Analysis, Compliance Review, Microsoft Office, Strategic Planning
- Technical- SQL, Data Visualization, Excel, Python, Financial Software
- Investigative Reporting
- Team collaboration
- Transaction monitoring
- Financial crime investigations
- Data analysis
- Effective communication
- Risk assessment
Achievements & Awards
- National Level Cricket Player (2012-13) KVS Tinsukia Region
- U-15 Cricket District Player (2009)
- Organized events for ASSAND (All Assam Student Association New Delhi (2015-18
Timeline
Team Developer
Anaptyss
04.2026 - Current
Senior Associate
Genpact India pvt limited
03.2024 - 04.2026
Operation Analyst- Reconciliation & Settlement
PhonePe Pvt. Ltd.
05.2021 - 09.2023
Customer Success: Reconciliation's & Settlements
(Rentomojo) Edunetwork Pvt. Ltd.
01.2019 - 04.2021
RENTOMOJO Customer Experience Executive- Outbound and Data validation ( Internship)
Edunetwork Pvt. Ltd.
06.2017 - 08.2017
B.com - Commerce
Shyam Ial Delhi University