Jheel Gianchandani

Results-driven Financial Crime & Risk Analyst with 3+ years of experience across leading Canadian banks, including BMO, RBC, and CIBC. Proven expertise in fraud investigations, AML compliance, transaction monitoring, and risk analysis, with a strong track record of detecting suspicious activities and reducing financial losses. Skilled in leveraging advanced fraud detection tools and data analytics to identify trends, enhance controls, and support regulatory reporting (STRs/UARs).

Adept at cross-functional collaboration, customer communication, and delivering high-quality, compliant outcomes in fast-paced environments.

Fraud Analyst - BMO - Canada

(2025-08)

• Conducted high-volume fraud investigations (100+ daily) across multiple detection systems, identifying suspicious activities and preventing potential losses exceeding $500K annually.
• Prepared detailed fraud incident reports, documenting findings, linkages, and evidence, supporting successful escalation to Corporate Security and recovery teams in 90% of high-risk cases.
• Analyzed transaction patterns, account behaviors, and fraud indicators using tools such as TSYS, Enterprise Fraud Case Management tool, Net Reveal, and LexisNexis to enhance detection accuracy by ~25%.
• Analyzed large datasets and fraud trends using internal systems such as US Trips, PEP +, Check Vision, RSA, LexisNexis, and Fiserv-Compass identifying emerging risk patterns and contributing to 15% improvement in fraud detection accuracy and proactive risk mitigation strategies.
• Monitored and utilized fraud detection tools (e.g., Counterfeit Detection, EMT Fraud Systems), improving detection efficiency and identifying emerging fraud trends across North American payment channels.
• Collaborated with investigations, recovery, and branch teams to resolve fraud cases efficiently, reducing turnaround time by up to 25%.
• Delivered client support during fraud incidents, handling USA inbound calls, making outbound calls, explaining case outcomes, and maintaining customer satisfaction scores above 90%.
• Handled escalations and complex investigations, resolving 95%+ of cases within SLA timelines while ensuring adherence to policies and procedures. Identified workflow gaps and implemented process improvements, increasing team efficiency by approximately 20%.

AML Analyst - RBC - Canada

(2024-07 - 2025-04)

• Performed transaction monitoring on 100+ accounts daily, identifying unusual activity and escalating cases in compliance with FINTRAC regulatory requirements. Regularly engaged with internal teams (AML, Escalations, Fraud Strategy) and external clients to resolve flagged issues, improving investigation turnaround by 18%.
• Prepared and submitted Suspicious Transaction Reports (STRs) and Unusual Activity Reports (UARs), ensuring accuracy, completeness, and audit readiness.
• Utilized fraud monitoring tools such as Lexis Nexis, CERTAPAY, Digital Verification System, Microsoft Excel (Pivot Tables), AML case management systems to analyze suspicious Interac e-Transfer activity and initiate outbound client investigations.
• Conducted outbound client calls to verify digital transactions flagged as suspicious, resolved fraud alerts, and documented findings in accordance with internal fraud procedures.
• Proficient in online banking systems and digital channels, conducting real-time monitoring of transactions such as bill payments, wire transfers, and EMTs. Collaborated with Customer Support and internal teams to resolve flagged fraud incidents and ensure secure client experiences.
• Conducted Enhanced Due Diligence (EDD) and KYC reviews to assess customer risk profiles and support AML investigations.
• Responsible for entering detailed information on various financial transactions into the internal AML case management web application such as Streamline PEGA with a high degree of speed and accuracy.
• Generated weekly fraud and AML trend reports, providing actionable insights to fraud strategy teams for prevention enhancements.

Maintenance and Control Officer - CIBC - Canada

(2023-06 - 2024-06)

• Managed and navigated internal CIBC systems daily, achieving a 22% increase in efficiency in handling tasks related to COINS, ICBS, ECIF, and New Tel Agent. Coordinated with branch advisors, onboarding teams, and compliance partners to resolve account discrepancies and support high-net-worth client onboarding.
• Processed 150+ daily loan servicing and security maintenance transactions (retail & small business), ensuring 100% compliance with credit agreements, internal policies, and regulatory requirements.
• Reviewed and actioned system-generated reports (Class Master Diary, E-Diary, ICAP) to manage loan renewals, discharges, re-registrations, and rebates, reducing operational risk and ensuring SLA adherence above 98%.
• Validated and processed security discharge requests from branches, ensuring accuracy of legal and financial documentation, improving turnaround time by ~20% and enhancing client satisfaction.
• Managed collateral mortgage discharges and re-registrations, identifying discrepancies and coordinating with branches to resolve issues, reducing processing errors and mitigating potential financial/legal risk.
• Maintained and updated loan security diaries and follow-up schedules, ensuring timely tracking of renewals and outstanding items, improving workflow efficiency and reducing missed deadlines by 15%.
• Processed insurance-related transactions (premium refunds, status updates, cheque applications), ensuring accurate allocation to client accounts and maintaining up-to-date loan balances.
• Investigated and resolved documentation and account discrepancies using independent judgment and standard procedures, escalating complex issues as needed to ensure compliance and risk mitigation.
• Provided operational support through data management, reporting, and administrative coordination, leveraging Microsoft Excel and internal systems to streamline processes and improve team productivity.

Shipping Specialist - Remedy Brands - Canada

(2022-04 - 2023-05)

• Provided exceptional customer service by leveraging product and service knowledge, creating positive experiences, and achieving a 100% customer satisfaction rating.
• Streamlined shipment operations, resulting in a 15% improvement in efficiency and on-time deliveries.
• Acted as a liaison between upper management and frontline staff, effectively communicating organizational goals and initiatives while also gathering valuable feedback and insights from staff members to drive continuous improvement efforts.
• Completed regular inventory counts to verify stock levels, addressed discrepancies, and forecasted future needs.
• Developed a loyal and highly satisfied customer base through proactive management of team customer service strategies.
• Played a key role in budget planning and resource allocation, optimizing operational expenses while maintaining high-quality service standards and ensuring profitability.

Master of Business Administration - Business Administration - University Canada West (2022-04 - 2023-07)

Bachelor of Business Administration - Business Administration - Gujarat Law Society (2018-06 - 2021-04)