Deepen Sheth

With over 15 years of experience in financial services, I have developed strong expertise in compliance, AML/KYC controls, risk assessment, and audit‑ready documentation. My background spans UK mortgage compliance, financial crime checks, and high‑risk case analysis, supported by hands‑on experience conducting CDD/EDD reviews, fraud detection, and regulatory alignment with FCA, PRA, MLR 2017 and POCA 2002. I bring a proven ability to strengthen compliance frameworks, monitor regulatory changes, and manage complex counterparties with precision and attention to detail.

Mortgage Administrator at Clever Financial Services Ltd (2023-05 – Present)

• Completed 500+ pre‑underwriting assessments across residential and buy‑to‑let cases, improving case accuracy and reducing underwriting queries.
• Reviewed high‑value applications averaging £400,000, ensuring consistent credit, income, and asset verification that strengthened lender approval rates.
• Enhanced fraud detection by integrating AI‑driven document verification, increasing anomaly identification and reducing manual review time.
• Performed AML, KYC, CDD and EDD checks on all applications, reducing compliance exceptions and strengthening audit readiness.
• Maintained fully compliant documentation aligned with FCA, MCOB, PRA and Consumer Duty, contributing to zero audit findings during internal reviews.
• Conducted risk assessments on high-value transactions and complex applications, presenting findings and mitigation strategies to senior management.
• Produced accurate and compliant suitability reports that improved adviser efficiency and reduced rework in regulated and non-regulated advice processes.
• Proactively coordinated effectively with brokers, solicitors, surveyors, and lenders, improving case turnaround times and reducing delays.
• Successfully managed complex and out‑of‑policy cases, helping business retain high‑value clients and maintain strong service ratings.
• Delivered consistent communication and structured updates, improving stakeholder satisfaction and reducing escalations.
• Improved overall case turnaround speed, enabling business to handle higher volumes.
• Enhanced operational efficiency through automation and workflow redesign, contributing to faster completions and higher adviser throughput.

Sr. Analyst at XL Dynamics India Pvt. Ltd (2012-05 – 2023-02)

Managed, processed and completed pre underwriting of high volumes of mortgage loan applications to ensure each application is in compliance with federal regulations, investor requirements and company standards. Completed credit and risk analysis by evaluating credit history, income, assets, and purchase agreements to gauge suitability of mortgage applications. Ensured effective and timely communication among Loan officers, brokers and completion team. Became integral part for Sun West Mortgage Company AI Chat support solution "Morgan". XL Dynamics India Pvt Ltd, established in 2002, is prominent financial services company based in India. Specializing in US mortgage finance services, XL Dynamics is affiliated with Sun West Mortgage Company, Inc., leading mortgage lender licensed to originate and provide mortgage loans in USA.

Sun West Mortgage

Company, Inc. holds approvals from renowned financial agencies such as Federal Housing Administration (FHA), Fannie Mae, Freddie Mac, and Ginnie Mae.

Assistant Manager at Indiamart Intermesh Ltd (2011-11 – 2012-05)

IndiaMART.com was India's premier online B2B marketplace, serving as a pivotal platform connecting small and medium-sized businesses worldwide. The company facilitates seamless transactions by bridging global buyers with suppliers, fostering growth and expansion for businesses of all scales. With vast network spanning over 80 offices across country, IndiaMART.com boasts workforce of over 3500 dedicated employees.

• Proactively engaging with clients to address their concerns, gather feedback, and identify opportunities for improvement.
• Developing and implementing innovative strategies to enhance client experience and satisfaction.
• Collaborating with internal teams to deliver tailored solutions and meet client expectations effectively.
• Monitoring and analyzing client performance metrics to track satisfaction levels and identify areas for enhancement.
• Serving as dedicated point of contact for clients, offering timely assistance and support to address queries and resolve issues.

Relationship Manager at ICICI Securities Limited (2009-10 – 2010-06)

ICICI Securities Limited (I-Sec) is subsidiary of ICICI Bank Ltd, commencing its operations in May 1995. As a leading financial institution, I-Sec operates across four key lines of businesses: broking, distribution of financial products, wealth management, insurance and investment banking.

• Financial Planning: Conducting comprehensive financial assessments for existing clients to understand their objectives, risk tolerance, and investment preferences.
• Portfolio Rebalancing: Analyzing and adjusting client portfolios to maintain alignment with their investment goals and risk profiles, optimizing asset allocation and diversification.
• Portfolio Management Services: Offering tailored portfolio management solutions, including asset selection, monitoring, and performance evaluation, to achieve long-term wealth accumulation and preservation.
• Mutual Fund Advisory: Providing informed recommendations on mutual fund investments based on thorough analysis of fund performance, risk factors, and suitability for clients' portfolios.
• Advice on Equity, Insurance and Asset Classes: Offering expert guidance on equity investments, insurance requirements and other asset classes, considering market trends, economic indicators, and individual client preferences.

Business Development Manager at Serco BPO Pvt Ltd (2008-09 – 2009-09)

Serco is prominent international service company with rich history spanning 75 years. Serco operates across various sectors. Among its diverse range of services, Serco BPO Private Limited stands out as a key unit specializing in providing business process outsourcing services. One of its notable partnerships involves assisting AMEX in selling its credit cards.

• Market Share Growth: Developing and executing strategies to increase market share for AMEX credit cards, leveraging Serco's expertise in business process outsourcing and sales.
• Sales Performance Management: Taking ownership of driving sales performance and meeting targets set by AMEX, ensuring efficient execution of sales processes and initiatives.
• Customer Engagement: Engaging with customers to promote AMEX credit cards, addressing queries, providing information, and persuasively communicating value proposition to drive sales.
• Relationship Management: Building and maintaining strong relationships with AMEX and other stakeholders, fostering collaboration and alignment in achieving sales objectives.
• Performance Analysis: Monitoring and analyzing sales performance metrics to identify areas for improvement, implementing corrective actions, and optimizing sales processes for enhanced efficiency and effectiveness.

Certificate in Mortgage Advice and Practice in Mortgage – LIBF - London

Pursuing ICA Certificate in Anti Money Laundering in AML – International Compliance Association - London

Masters of Management Studies in Marketing – Mumbai University - India