Lochan Zope

KYC & AML Analyst with 2 years of experience in Financial Crime Compliance, specialising in KYC, CDD, EDD, client onboarding, sanctions screening, PEP reviews, adverse media screening, and risk assessment within regulated financial services environments. Experienced in conducting risk-based customer due diligence, investigating financial crime risks, and supporting regulatory compliance in line with FCA requirements and AML regulations.

Due Diligence Analyst (KYC/AML) - S G Analytics - Pune, India

(2024-09 - 2026-05)

• Managed comprehensive KYC assessments for individual, corporate, partnership, trust, and institutional clients operating across the UK, EMEA, USA, and other international jurisdictions.
• Evaluated customer profiles, business activities, ownership structures, and supporting records to satisfy Customer Due Diligence (CDD) requirements and regulatory obligations.
• Executed Enhanced Due Diligence (EDD) investigations for higher-risk relationships, including Politically Exposed Persons (PEPs), complex legal entities, and customers from elevated-risk regions.
• Facilitated the onboarding of new clients by ensuring all regulatory documentation, verification requirements, and risk assessments were completed prior to account approval.
• Enhanced customer records through data enrichment initiatives by leveraging regulatory databases, public registries, and independent research sources.
• Undertook periodic customer refresh exercises to maintain accurate, up-to-date, and compliant KYC information throughout the customer lifecycle.
• Assessed customer risk exposure by analysing jurisdictional, operational, ownership, and industry-related factors using a risk-based methodology.
• Authenticated customer identities through detailed examination of official identification documents, ensuring compliance with internal verification standards.
• Validated residential information using approved proof-of-address documentation in line with jurisdiction-specific regulatory requirements.
• Contributed to FR 2052A reporting processes through data reconciliation, exception management, quality validation, and reporting accuracy checks.
• Analysed financial evidence and supporting documentation to establish the legitimacy and transparency of customer funding sources.
• Investigated ownership structures and shareholder arrangements to determine individuals exercising significant influence or control over legal entities.

Accounts Executive - DSJ & Company - India

(2021-06 - 2021-12)

Full Time Internship

• Maintaining books of accounts for Clients.
• Engagement in a GST return filing team for GST computation on monthly basis.
• Reconciliation of accounts and bank statements.
• Involvement in income Tax return (ITR) filing team for filing returns of salaried individuals.

Management Trainee - Aarnitron Medical System Pvt Ltd - India

(2018-08 - 2019-11)

Internship

• To maintain sales and purchase ledger for company accounts.
• Involvement in preparation of GST liability.
• Filing a GSTR 3B and GSTR 1.

Masters of Business Administration - Finance - Indira College of Engineering and Management (ICEM) (2022 - 2024)

Bachelors In accounting & Finance - Accounting & Finance - V.G. Vaze College of Arts, Commerce & Science (2017 - 2020)

Higher Secondary Board - Commerce (HSC) - Fatima High School and Junior college (2015 - 2017)