Vyshak Vijayan

Led a high-performing team of 4 Relationship Service Analysts supporting Corporate and Institutional Banking clients across onboarding, credit servicing, and operational lifecycle management.

Directed career development, work allocation, and performance coaching for junior analysts, building a skilled and efficient service delivery team.

Prepared and reviewed End-of-Day (EOD) reports, production dashboards, and SLA performance metrics, ensuring process integrity and data accuracy.

Delivered weekly business performance updates to senior management, identifying workflow bottlenecks, service quality trends, and compliance risks.

Conducted Adverse Media Screening (AMS) and ESG negative news reviews to assess reputational, ethical, and sustainability risks within client portfolios.

Performed Financial Crime Risk (FCR) monitoring and investigation of transactional anomalies, including:

- Country counterparty changes and trade pattern shifts

- Turnover spikes or unusual activity volumes

- New currency trades and emerging corridor exposures

- Activity linked to Designated Account Clients (DAC) and Third-Party Payment Providers (TPPP)

- Sanctions screening, fraud indicators, and unusual account behavior

- Adverse Media and ESG Negative News Review and discounting


Liaised with Relationship Managers, Risk, and Financial Crime Compliance (FCC) teams to escalate red flags and ensure alignment during the client lifecycle.

Disseminated trigger event insights and new information across coverage teams to support Know Your Customer (KYC) refresh, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) processes.

Key Project: Revenue Remediation Initiative

Led a cross-functional Revenue Remediation Project covering 1,000+ corporate clients to resolve data discrepancies across market and non-market revenue systems.

Identified and corrected unmapped revenues and data breaks, partnering with Finance, Operations, and Data Management teams to ensure system-wide alignment.

Ensured accurate client-level revenue attribution and dashboard visibility for Relationship Managers, improving business reporting and performance tracking.

Results: Delivered 500+ hours in annual time savings and safeguarded USD 13 million in recoverable revenue, significantly improving data integrity and transparency.

• High Performance Personnel working as Part of Open Accounts/Advanced Payment/Collections Team.
• AML Review: Reviewed and processed around 10000 payment requests using tools like RDC and World Check in identifying sanction entities and vessels, individuals, dule vessels and tank entities involved in the transactions. Other aspects like checking for sanctions involving Over Invoicing, Under Invoicing and Ghost shipping.
• Sanctions L3 Reviews: Successfully completed financial crime concern reviews on more than 5000 requests involving sanctioning and high risk country shipments by identifying the correct recipients and Red Flag thereby providing inputs to other process to either approve or reject the requests depending upon updated Sanctions and AML regulations.
• Transaction Monitoring: Generating UAAs are useful for identifying unusual activity such as requests involving abnormally large amounts, fund transfers to third parties, Unusual goods shipped in non-alignment with the nature of business etc.
• SLA Management: Effectively monitoring the work queues and ensuring the requests are being moved in timely manner ensuring that all the work queues have been completed according to the target completion date.
• Change Management: Preparing and briefing the team on the transition from WDM to HTS platform. Strategies for effecting change, controlling change and helping people to adapt to change in the working platform.
• Training And Development: Conducting effective training and refresher session for existing and new employees. The continued efforts to boost the performance of team strengthen work performance through approaches like coaching and Training sessions.
• Resource Management: Conducting team huddles on daily basis to analyze the work queues and implementing the best allocation of the resources complete a daily task ensuring business objectives are being met at everyday basis.
• Reporting: Ensuring EOD reports have been sent to the management day to day basis ensuring that there are no pending requests for the day, also timely sending the status of the queue and the performance reports from time to time throughout the day.
• Escalation management: Liaising with the onshore Ops team on the disputes and escalations on day-to-day basis and providing the best resolution.
• Other Responsibilities
• Identifying Discrepancies in documents and raising request to onshore team, RMs and BDMs to get all the discrepancies and queries sorted on time to avoid SLA breaches.
• Day to day management of team activities including Team building, Conflict management, Process Improvement areas and Workflow management.
• Conducting Preliminary check for all the new approvers or L2 checker on their reviews.

• Part of Import Loans/Repayment/Collections Processing Team
• Processing of Import Loan and Import Collection requests including construction of MT202 and MT103 for accurate directing of funds.
• Identifying financial crime concerns relating to shipments and carrying out effective negative news screening on the entities and vessels associated with the transactions. Carrying out thorough investigations and coming out with rationale for discounting or approving the transaction in case of false hits.
• Performing 1st Level Quality check on processed buyer loans and approving them adhering to the AML, sanctions, Banking policies, risks and criteria in place for customer based on KYC conducted.
• Identifying the red flags and risks associated with the shipment. Liaising with the onshore team to get timely resolution of queries associated with the shipments and docs provided.
• Checking the movements of the associated vessels and containers by aid of online sources such as Seasearcher, Marine Traffic, Track Trace, Lloyds list intelligence/Sea Searcher in order to identify any sanction country exposure and validation of shipment docs provided by the customer.
• Thorough review of supporting docs associated with the shipment such as Import loan application, Invoices, Packing lists, Purchase orders, Pro-forma Invoices, Bill of lading, AWBs, CMRs, FCRs, Certificate of Origin, Insurance policy docs etc.... for any sanction exposures and red flags.
• Identifying Discrepancies in documents and raising request to onshore team, RMs and BDMs to get all the discrepancies and queries sorted on time to avoid SLA breaches.

• Part of HR Recruitment/Onboarding Documentation Team

• Maintain a working knowledge of all current underwriting guidelines, federal and state.
• Understanding credit report, fraud alerts, trade lines etc... and understanding of asset documentation, large deposits etc.
• Fraud verification and identifying red flagship.
• Reviewing personal/business returns with depth knowledge of various schedules etc. Reviewing paystubs/W2s/1099/SSA/pension, etc. and calculating income for qualification. Reviewing personal/business returns with in depth knowledge of various schedules, etc.
• Lending laws and has the ability to comprehensively explain all to others within and outside the organization. Interpret credit policy and investor guidelines and apply them to specific loans.
• Review accuracy and completeness of documents pertaining to Credit & Borrower Profile, Liabilities & Ratios, Employment & Income, Assets, Occupancy & Transaction Type.
• Review re-verification documentation and third party vendor documents in the loan file. Review loan file for compliance with all agency guidelines and clients overlays.
• Standpoint on a daily basis and note any underwriting exceptions.
• Approving Trial modifications based on the borrower’s ability, desire, and will to pay.

• Engage existing clients in the collection of detailed client information and supporting documentation required for the completion of the CDD profile at all times in the customer lifecycle, including CDD trigger events and reviews as part of global standards. The role will ensure client expectations are set against defined Service.
• Level Agreements (SLAs) and these SLA’s are visible & managed across all functions.
• Manage existing client CDD process’s to defined SLAs, ensuring any risks to the timescales are escalated to the Team Leader and Relationship Manager.
• Identifying the PEPs, Negative News and Blacklisted entities associated with the organizational structure by use of tools like RDC, Lexus Nexus etc...
• Identifying and verifying the beneficial owners, Key controllers, signatories accordingly to regulatory requirements.
• Validation of organizational charts/Ownership charts to determine the direct and indirect owners to the stake of the company according to the risk rating of the customer and calculation of ownership percentage of each stakeholder involved.
• Worked on Periodic and annual reviews on both existing and New to Bank customers.
• Thorough review of formation documents like memorandum of association, Certificate of incorporation, AOA, and updated organizational chart to carry on on-boarding or periodic reviews.
• Worked on KYC profiling of various structures such as Trusts, corporate, NGOs, Co-operatives, Government Undertakings Partnerships, and Sole Traders.
• Liaise with the client to gather detailed client information and supporting documentation required to complete the CDD profile including Financial Crime Risk Review (FCRR) and Know Your Customer (KYC) and EDD (Enhanced Due Diligence).
• Review and check for completeness of CDD information and supporting documentation before submitting the case to CDD Operations for review and approval.
• Act as a point of escalation for Service Delivery and escalate a case to the Relationship/Case Manager.

• Reviewing the Mortgage Documents and shipping the documents to the registry for Recording through ICAP and LIM.
• Effective Title Search through Netro Online and FISERV.
• Examined land records and identified potential problems with title search results.