Gouri Pratap

Banking professional with 11+ years of experience in customer onboarding, KYC compliance, Customer Due Diligence (CDD), AML controls, customer risk assessment, account reviews, and regulatory compliance within a regulated banking environment. Experienced in reviewing customer documentation, conducting due diligence checks, maintaining accurate records, identifying potential risks, and supporting remediation activities. Strong analytical, communication, and stakeholder management skills with the ability to manage high-volume workloads while ensuring compliance with regulatory and internal policy requirements.

Assistant Manager / Manager - Indian Bank - Pune, India

(2013-09 - 2024-11)

• Conducted KYC reviews and periodic customer due diligence checks to ensure compliance with AML regulations and internal policies.
• Reviewed and validated customer identification documents, address verification records, and supporting information during onboarding and account maintenance processes.
• Assessed customer risk profiles using available customer information and transaction activity to support risk-based decision making.
• Performed customer remediation activities by obtaining updated documentation and ensuring records remained accurate and compliant.
• Analysed ownership and control information for business customers to support beneficial ownership verification requirements.
• Collaborated with customers and internal stakeholders to obtain outstanding documentation and resolve KYC-related queries within agreed timelines.
• Maintained accurate records of customer due diligence activities and ensured compliance with regulatory requirements and audit standards.
• Escalated potentially suspicious activity and higher-risk cases in line with AML procedures and internal controls.
• Managed multiple customer review cases simultaneously while maintaining high standards of quality and accuracy.

Bachelor's Degree - Mahatma Phule Krishi Vidyapeeth (2008)