Yash Kulkarni
Pune
Summary
KYC/AML professional with 5+ years of experience in end-to-end KYC and Client Due Diligence processes across APAC and EMEA jurisdictions. Experienced in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), KYC remediation, periodic reviews, client risk assessment, PEP and sanctions screening, adverse media screening, UBO identification, and complex corporate KYC. Strong understanding of regulatory and compliance requirements across multiple jurisdictions, including regulatory frameworks and guidelines issued by authorities such as MAS, HKMA, PRA, FCA, and other applicable regulatory bodies. Skilled in analysing complex client profiles and ownership structures, assessing Source of Funds/Source of Wealth, identifying AML/KYC risks, investigating discrepancies, and managing escalations.
Overview
6
6
years of professional experience
Work History
Associate Process Manager - QA
eClerx Services Limited
pune, India
10.2025 - Current
- Conducted comprehensive quality audits on KYC, CDD, and EDD case reviews, ensuring compliance across multiple global jurisdictions and enhancing operational integrity.
- Evaluated sampled cases against strict regulatory and internal guidelines, ensuring documentation completeness to uphold quality standards.
- Achieved personal QA accuracy target above 95%, contributing to team's audit readiness and strengthening regulatory reporting processes.
- Audited data entry, risk ratings, and screening results (including World-Check and adverse media) to ensure absolute critical and non-critical accuracy before final sign-off.
- Identified recurrent error trends and training gaps, collaborating with operations managers to implement targeted coaching that enhanced team compliance adherence.
- Provided actionable feedback and detailed error reports to operations team members, facilitating immediate remediation and aligning processes.
Senior Associate, AML/Prevention/KYC analyst
BNY Mellon
pune, India
03.2025 - 09.2025
- Managed end-to-end KYC activities, including CDD, EDD, risk assessment, screening, periodic reviews, remediation, and case closure, ensuring compliance with regulatory standards.
- Performed enhanced due diligence on high-risk clients, analysing risk indicators, Source of Funds/Source of Wealth, ownership structures, and adverse information.
- Conducted PEP, sanctions, watchlist, and adverse media screening and investigated potential matches in accordance with AML/KYC procedures.
- Performing 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
- Managed periodic KYC reviews and remediation for existing clients, ensuring outdated or incomplete information was identified and resolved within defined timelines.
- Investigated discrepancies and KYC exceptions and collaborated with Compliance, Front Office, Legal, and Operations teams to resolve complex cases.
- Ensured adherence to SLA, quality, and regulatory requirements while effectively managing multiple cases, contributing to overall operational efficiency.
- Resolved complex KYC cases and served as a key reference for process-related queries and escalations, enhancing team understanding of compliance procedures.
- · Identified accurate risk rating for individual/non-individual accounts to highlight high risk jurisdictions – Sanctioned countries, cash-intensive/high-risk businesses and Politically Exposed Persons (PEPs) or Relatives or Close Associates (RCAs).
- · Reviewed and Verified FATCA documentation for existing clients in accordance with published policies and procedures as per KOS.
- · Verifies all aspects of Client Identification Program (CIP) and necessary account opening documents are provided and in accordance with know Your Customer (KYC), USA Patriot Act and Bank Secrecy Act (BSA) standards.
KYC Analyst
Tata Consultancy Services
Pune, India
10.2020 - 02.2025
- Conducted more rigorous background checks and monitoring for higher-risk clients. Documented client interactions for compliance purposes.
- Reviewed and verified FATCA documentation for existing clients, focusing on Exposed Persons (PEPs) and Relatives or Close Associates (RCAs), ensuring adherence to policies and procedures.
- Verified client identities using passports, government-issued IDs, or corporate documentation to ensure compliance and reduce risk.
- Reviewed clients' information and risk profiles periodically to maintain data accuracy and reliability.
Education
bachelor of commerce - Accounting
Rajarshi Shahu Mahavidyalaya
Latur01-2019
Skills
- Customer Due Diligence
- Enhanced Due Diligence
- Risk Assessment
- Risk Management
- Anti-Money Laundering
- Screening
- Sanctions
- Periodic Review
Timeline
Associate Process Manager - QA
eClerx Services Limited
10.2025 - Current
Senior Associate, AML/Prevention/KYC analyst
BNY Mellon
03.2025 - 09.2025
KYC Analyst
Tata Consultancy Services
10.2020 - 02.2025
bachelor of commerce - Accounting
Rajarshi Shahu Mahavidyalaya