Nabati Ray

Certified Anti-Money Laundering (AML) Specialist (CAMS) with 8 years in Financial Crime and Regulatory Compliance, specializing in Transaction Monitoring, Case Oversight, Training, and FINTRAC Reporting. Experienced in performing independent reviews of Level 1 AML investigations, helping in QA, validating risk-based decisions, and ensuring compliance with FINTRAC/PCMLTFA requirements. Proven experience in training new joiners, contributing to develop SOPs and study materials, and preparing and submitting Suspicious Transaction Reports (STR) to FINTRAC.

Recognized for improving investigative quality through coaching, documentation, and process enhancement. Seeking to leverage QA, oversight, and training expertise to strengthen the AML program at Canadian Tire Bank.

AML Investigator / Financial Crime Analyst - NTT Data (working for President's Choice Financial) - ON

(2018-01)

• Helped in QA reviews and also performed independent Level 1 reviews AML investigations including Transaction Monitoring alerts, Name Screening matches, and EDD cases to ensure accuracy, completeness, and alignment with FINTRAC and internal policy requirements
• Validated investigative decisions and disposition outcomes to confirm they were risk-based, well-supported, and appropriately documented prior to escalation or closure
• Prepared, reviewed, and submitted Suspicious Transaction Reports (STRs) to FINTRAC, ensuring 100% timely and accurate regulatory filings in accordance with PCMLTFA standards
• Trained and on-boarded new joiners on AML investigation processes, FINTRAC reporting requirements, and case documentation standards, reducing ramp-up time and improving first-month QA scores
• Contributed to development and enhancement of SOPs and study materials for the AML team, ensuring alignment with regulatory updates and best practices to support consistent investigative quality
• Served as Subject Matter Expert to Level 1 investigators, providing feedback and guidance on complex cases and regulatory expectations to improve overall investigative effectiveness
• Identified trends, gaps, and control weaknesses in investigation workflows and recommended process improvements to strengthen AML/ATF program performance
• Maintained up-to-date knowledge of FINTRAC guidelines, PCMLTFA, AML/ATF typologies, and sanctions regulations to ensure all case decisions met current compliance requirements
• Conducted AML investigations and alert disposition within Transaction Monitoring systems
• Performed KYC/KYB reviews and EDD on high-risk clients
• Supported internal audits by providing documentation and rationale for case decisions

Teaching Assistant and Researcher - University of Leeds - UK

(2013-01 - 2018-12)

PhD scholar

Lecturer and Assistant Professor - Various colleges in India - India

(2006-01 - 2011-12)

Taught Geography and GIS, Designed learning plans, conducted workshops, and published research in peer-reviewed journals.

PhD - Social Science (Human Geography/ multi-disciplinary research in Economics, Political and Social Science) - University of Leeds

MSc - University of Leeds

MSc - University of Calcutta