Anu Kaushal

A dynamic, innovative and certified compliance professional (CAMS Certified) with a sound knowledge and vast experience in planning, conducting and completing risk-based investigations. I am specialized in conducting AML/ATF testing, transaction monitoring of suspicious transactions, sanction screening, potential money laundering and / or terrorist financing investigations to effectively mitigate risk and providing support to the business units.

Work Experience:

• English
• Hindi
• Punjabi

• M S Word, Excel, Power Point, Microsoft Office, Sharepoint, LexisNexis, Worldcheck.

• Team Work and self-motivated.
• Extensive investigative skills in AML/TF, FINTRAC regulations. 
• Good investigative skills and demonstrated understanding of complex financial transactions.
• Proven ability for risk mitigation activities. 
• Sound judgment and problem-solving approach. 
• Multitasking and result oriented
• Sound verbal and written communication skills
• Ability to prioritize various tasks and manage competing deadlines.
• Strong organizational and process improvement skills
• Ability to adapt to changing priorities and varied decision-making scenarios.

Manulife Financial Corporation (October 2023 – Till date)

Associate Risk Management

• Conducting Anti-Money Laundering assessment based on sophisticated referrals from Business Areas, and make a determination based on the unusual activity.

• Assessing higher risk daily transaction monitoring alerts understanding the indicators, facts and context of the transaction activity for making recommendations for the appropriate course of action.
• Investigating and assessing the risk of alerts identified by customer risk assessment tools.
• Prepare AML/ATF case reports and external reports for review outlining the depth of investigation activity, risk assessment and recommended remediation actions.
• Drafting and ensuring accurate case management and record keeping protocols are maintained with regards to regulatory filing requirements.
• Performing AML due diligence as part of ongoing monitoring of high risk customers.
• Preparing FINTRAC regulatory reporting within prescribed timeframes for ensure compliance obligations. 

Associate Insurance and Customer Service 

Key Responsibilities:

• Sold automobiles, home insurance other types of insurances to clients to achieve the business targets by cross-selling. 
• Identified and solicit potential clients for bringing new business avenues to the organization. 
• Resolved clients’ grievances immediately to provide best customer services. 
• Establish client insurance coverage, calculate premiums and establish method of payment
• Provide information concerning group and individual insurance packages, the range of risk coverage, benefits paid and other policy features.
• Monitor insurance claims and respond to clients' enquiries for claims settlement.

Bank of Baroda, India (Aug. 2016 – Jan. 2023)

Key Responsibilities:

• Performed and conducted risk-based investigations into clients that are High-Risk customers including potential PEPs, Adverse Media persons or as per EDDU, Global Sanctions, etc. and transactions monitoring for Suspicious Transactions. 
• Monitoring and researching customer records and activities and account information for determining any unusual or suspicious activities for the ML/TF by internal alerts and submitting reports to FINTRAC. 
• Collected, gathered and reviewed documents supplied by the potential clients vis-à-vis bank’s risk tolerance policies and procedures related to AML/AFT. 
• Gathered information from all internal and external sources to establish whether there is sufficient suspicion of money laundering, terrorism financing, or other illegal activity. 
• Prepared, vetted relevant documents for supporting any action proposed based on the results of investigations. 
• Maintaining up-to-date knowledge and skill sets relevant for ML, TF, sanctions and training other staff members for performing case investigations.
• Prepared, reviewed and delivered investigative results and identifying trends and areas of improvement for creating a robust compliance culture. 
• Collaborating and assisting other government regulatory bodies for timely ensuring that investigations are completed within specified time frames and escalated in accordance with applicable policy

 Branch Manager 

 Bank of Baroda, India (Nov 2011 -July. 2016)

 Key Responsibilities:

• Greeted and welcomed customers in a friendly and courteous manner.
• Managed and handled interactions via phone, chat, or email with customers empathetically.
• Understanded customer needs and recommended them suitable need-based solutions by offering the right mix of financial products.
• Cross-sell products and add on services to customer to achieve the sale targets of the company.
• Made customer aware of the terms and conditions of the financial products as an ethical business standard.
• Assessed and evaluated the financial position of prospective loans through cash flow projections, credit histories and other financial measures while adhering to banks credit risk policies.
• Followed up and reviewed existing due financial accounts.
• Collected and organized all documents of customer applications along with KYC documents for performing due diligence.
• Coordinated customer care activities and effectively resolved customer issues for building superior customer experience.

Masters of Business Management, India (WES Evaluated))

Bachelors of Commerce, India (WES Evaluated)

Certified Anti Money Laundering Specialist (CAMS) (Dec. 2022)