VISHNU N
AML Complaince
Palakkad
Summary
Results-oriented AML expert with over 7 years of experience in transaction monitoring, KYC, and SAR submissions. Skilled in conducting thorough customer due diligence to identify and communicate risks. Capable of managing multiple tasks and meeting deadlines in fast-paced environments.
Overview
2
2
Certifications
9
9
years of professional experience
Work History
Assistant Manager
Ernst & Young
04.2025 - Current
- Supervise and guide a team of AML analysts, ensuring adherence to SLAs, quality, and accuracy.
- Conduct training, coaching, and knowledge-sharing sessions for the team.
- Carried out in-depth compliance checks and monitored transactions for both individual and corporate accounts at a top-tier investment bank (US Bank). Ensured all activities complied with AML standards, internal policies, and relevant local regulations.
- Perform secondary review/quality checks of cases closed/escalated by analysts.
- Monitor high-risk accounts, unusual transaction patterns, and complex structures (e.g., layering, structuring).
- Investigated flagged accounts by evaluating customer information, including their source of funds, type of business, transaction behavior, and geographical exposure. Suspicious activities were identified, investigated, and escalated for further review.
- Hands-on experience with ACTIMIZE, OBIEE, OFSAA, World-Check, and Dun & Bradstreet.
Assistant Manager
Accenture Technologies
04.2022 - 04.2025
- Undertook the regular review of all transactions held on existing client accounts of UAE-based Bank.
- Being SME responsible for team quality and production.
- Office floor support to new hires and assist them in finishing the cases on time.
- Checking the cases that are completed by L1 makers and approving closure and escalation.
- Processing cases whenever there are requirements.
- Areas of exposure include AML, KYC, Sanctions, Transaction monitoring.
- Strong knowledge in the usage of applications like FIRCO, FCRM, SCRM, World Check, Finacle, etc.
- Performing client transaction monitoring and screening process, comparing and validating names, and demographic details of the client against hits investigating, reviewing the alerts and cases generated based on the detection scenarios.
- Decision-making based on the investigation (Closure, Raising RFI, Escalating for SAR filing, etc.) and reporting to regulatory CBUAE.
- Verifying documents provided by the client (Bank statements, Invoices, Old/New title deeds, Bill of Lading, Airway Bills, Sale/purchase agreements, TL, MOA, COI, and other Transportation documents).
- Raising RFI /Additional RFI to the business if required.
- Perform PD and FIRCO checks for the customer and counterparties.
Senior Fincrime Analyst
Concentrix Daksh Services Pvt Ltd
09.2021 - 04.2022
- Analyze, investigate, and resolve only escalated cases received from various teams, including Research& Exit Management (REMU), AML, and Transaction Monitoring (TM).
- Enforce sound judgment to evaluate unusual activity reports (UAR) and write Risk Based Investigation (RBI) notes and Suspicious activity reports (SAR) for questionable accounts based on the investigation.
- Interpret evidence received from multiple tools and systems to determine the legitimacy of customer behavior.
- Off-board of suspicious accounts found under various money laundering typologies sand red flags, including Authorized push payment (APP), Source of fund (SOF) refused, Fake Know your customer (KYC) documents, and Card not present (CNP) fraud.
- Scrutinize long-term frauds, Suspicious accounts, financial crime patterns, trends and report to the National Crime Agency (NCA) for the European Economic Area (EEA) and to the Financial Crime Investigation Service (FNTT) for Lithuania (LT) entities.
- Summarize all key information regarding the investigation into a detailed report for delivery to Onshore Clients, internal & external teams.
- Conduct Risk Assessment & regulatory compliance review.
- Review negative news and OFAC/Watch List/Politically Exposed Persons (PEP)alerts generated by automated systems.
- Suggest revisions to policies and procedures to enhance FIU compliance efforts.
- Perform reviews to ensure proper testing methods and quality assurance.
- Review and assess process flows to detect potential risks, deficient controls, and noncompliance with laws and regulations.
Senior Analyst
Wipro Limited
07.2019 - 09.2021
- Undertook a regular review of all data and documentation held on existing client accounts of a UAE-based bank, and validation of know-your-customer (KYC) attributes related to Credit cards, Corporate accounts, and retail accounts.
- Performing AML monitoring work across the various businesses within the bank.
- Perform a holistic review of the transactions in individual and entity accounts, recommended for SAR and closure if required.
- Perform independent checks of KYC information provided by the sales team and end-to-end management of client KYC process including liaison across the business, compliance, and operations.
- Performed rigorous quality checks dealing with the end stages of the credit card creation process and corporate account creation process.
- Use WORLD CHECK, BLACKLISTED CHECK, BO CHECK for screening profiles to check any negative news or facts related to customers.
- Checking for suspicious activity related to money laundering in individual and entity counts.
- Validating TOC (true copy original) attestation in all document proofs.
- Looked after the overall QC file allocations.
Analyst
Cognizant Technologies
09.2017 - 05.2019
- Insightful experience of around 1.8 years in US Mortgage process.
- Handling all types of Deed and Mortgage process.
- Verifying the Customer’s KYC documents and FATCA.
- Negative media Checks.
- Monitoring the frequent errors and preparing audit documentation.
- Analyzing and identifying errors in the DAF application.
- Vast exposure to Mortgage Loans and Leans and related process.
Education
MBA - Information System
Lords Group of the distance education center
Thrissur01.2019
Bachelor of Computer Application - undefined
Bharathiyar University
Tamil Nadu01.2016
Skills
Working knowledge of KYC/AML Due Diligence procedures and standards
Transaction Monitoring and SAR Filing
Hand-on experience in Middle East Tools - FIRCO, SIEBEL CRM, FCRM, FINACLE
Hand of experience in tools - BACK OFFICE TOOL, PRADO, ACTIMIZE, OFSA
Lending Services (Credit Cards), Corporate Accounts and Retail Accounts
Certification
I-CAMM ( Internationaly Certified AML Master)
DECLARATION
I hereby declare that the above information furnished by me is correct up to my knowledge and I bear the responsibility for the correctness of the above-mentioned particular Place: Palakkad, Kerala Date: VISHNU N
Timeline
I-CAMM ( Internationaly Certified AML Master)
07-2026
Assistant Manager
Ernst & Young
04.2025 - Current
CAMI ( Certified Anti Money Laundering Investigator)
06-2022
Assistant Manager
Accenture Technologies
04.2022 - 04.2025
Senior Fincrime Analyst
Concentrix Daksh Services Pvt Ltd
09.2021 - 04.2022
Senior Analyst
Wipro Limited
07.2019 - 09.2021
Analyst
Cognizant Technologies
09.2017 - 05.2019
Bachelor of Computer Application - undefined
Bharathiyar University
MBA - Information System
Lords Group of the distance education center