Shariga Gopal

Banking & Finance professional with hands-on experience across retail banking, card operations, fraud monitoring and AML/KYC/financial crime investigative reporting. Brings a mindset of client-focus, sound judgement, meticulous attention to detail, audit-ready documentation, and data-driven escalation with proven performance in fast-paced, SLA-governed, regulated environments.

Sales Associate - Rocky Mountain Chocolate - Banff, Alberta

(2025-10 - 2026-04)

• Processed point-of-sale cash, debit, and credit transactions, maintaining a zero-variance register balance through accurate tender handling and reconciliation procedures.
• Conducted daily inventory cycle counts to improve stock accuracy, prevent shrinkage, and support supply ordering.
• Protected customer PCI payment data, ensuring 100% adherence to data-handling requirements through controlled access to transaction records.
• Reconciled daily sales registers and compiled batch summaries to improve end-of-day reporting accuracy via structured verification and archival for management review.

Manager - Investigative Reporting - HSBC Electronic Data Processing Lanka Pvt Ltd - Colombo, Sri Lanka

(2021-07 - 2023-11)

• Conducted risk-based AML/KYC investigations on high-volume cross-border accounts, managing 60+ complex cases per month by identifying financial crime indicators and prioritizing risk-based escalations.
• Analyzed customer transaction histories and transaction monitoring data to complete Enhanced Due Diligence (EDD) for accounts flagged for anomalous velocity or structuring, assessing patterns and account structures.
• Performed World-Check screening and internal platform reviews for sanctions, PEPs, and adverse media, documenting risk findings and mitigation measures to reduce institutional exposure.
• Prepared audit-ready investigative narratives and maintained evidentiary record-keeping aligned to SLAs, improving Quality Assurance outcomes.

Assistant Manager - Standard Chartered Bank - Colombo, Sri Lanka

(2018-11 - 2019-12)

• Supervised credit card transaction flows and maintenance, monitoring daily operational execution and exception handling to ensure compliance with internal controls.
• Investigated escalated high-risk transactional anomalies by assessing dispute histories and chargeback requests to identify first party and third-party fraud indicators.
• Conducted operational risk reviews of card operations, identified process vulnerabilities and executed remediation actions to reduce transaction processing errors.
• Resolved high-priority client escalations within 24-hour SLAs by coordinating operations and compliance units to complete end-to-end fraud management and resolution.

Assistant Relationship Manager - DFCC Bank PLC - Colombo, Sri Lanka

(2018-03 - 2018-11)

• Supported card operations and customer service requests by coordinating cross-functional inquiries and ensuring accurate follow-through, improving response turnaround.
• Facilitated retail client onboarding by performing identity verification and capturing initial KYC data to improve completeness of customer profiles.
• Reviewed account documentation and escalated non-compliant files after identifying missing information and unverified ownership structures, reducing onboarding risk.
• Monitored account movements for unusual transactions by comparing activity to historical patterns and initiating internal inquiries when deviations were detected.

Post Graduate Diploma - Global Business Management (Honours) - Seneca College (2024-01 - 2025-04)

Master of Business Administration - MBA - University of Suffolk (2018-08 - 2021-01)

Bachelor of Business Administration - BBA - Northwood University (2012-08 - 2014-07)