Nikhil Kumar

An MSc student looking for opportunities and highly result oriented versatile and extrovert person focused on team building and skill development. Always driven to accomplish the company goal within the estimated time. I am an enthusiastic team player and have knowledge in Anti Money Laundering, periodic reviews (KYC), client onboarding, Screening PEP, transaction monitoring, Raising suspicious activity reports and offboarding clients.

A corporate professional with 5 + years of experience, my goal is to obtain a significant and challenging position wherein my skills can be utilized in the best possible way to achieve company goals and my professional career.

Fincrime Analyst - Quilter - United Kingdom

(2025-11)

• Review and assess PEP, High Risk customer EDD escalated and reported to Compliance for Manager approval in an agreed format.
• Carry out complex research/investigations to determine false positives vs. true matches and escalate as appropriate in strict accordance with internal procedures.
• Acted as SME and providing financial crime advisory to internal stakeholders on all financial crime areas (AML, CDD, Sanctions, Fraud, Tax Evasion) in relation to products and services, including managing the inbox and handling any financial crime and escalating to their Line Manager where appropriate.
• Assess whether systems and controls' design are fit for purpose in that their design adequately addresses financial crime related risks and an ability to opine on whether they are operating effectively.
• Perform detailed level 1 (reviewer) and level 2 (approver) adjudication of for payment (SWIFT) messages against Sanctions watchlists within SLA timelines.
• Perform client screening adjudication of for Sanctions/PEP/Adverse within agreed SLA timeframes.
• Identify any adverse, PEP or sanction nexus for escalation appropriately.
• Conduct additional manual searches where necessary to identify the risks our clients pose from an AML, ABC, ATF and general reputational risk perspective.
• Be flexible to move between payment or client screening as demand and volume dictates.
• Liaise with KYC peers, EDD / AML Compliance and other senior management including the Deputy head of financial crime.
• Provide guidance and informal training to junior team members or new joiners to ensure a consistent and standardized approach to payment and client screening.
• Be a point of contact for queries from internal teams.

KYC Analyst - UBS BUSINESS SOLUTIONS INDIA PVT LTD, UBS - India

(2022-01 - 2023-12)

• Manage the onboarding and due diligence process for the Company's Corporate clients, ensuring adherence to best practices in onboarding, compliance, and risk management
• Accurately identify Ultimate Beneficial Owners (UBOs) and Directors of Corporate clients, and gather all relevant details in line with internal policies
• Collect, review, and verify all required documentation for corporate applications in accordance with company policies and regulatory requirements
• Conduct screening and due diligence checks (e.g. Sanctions, PEPs, Adverse Media), and resolve any potential matches or flags
• Ensure compliance with all relevant laws, regulations, and internal standards, as well as external industry best practices.
• Oversee the end-of-end corporate customer application process, including collection and verification of required documentation
• Make case-by-case decisions regarding the need for further investigations or escalations, and follow through on appropriate actions
• Perform risk assessments for all customers and follow the company's approval and escalation protocols.
• Identify and suggest improvements to onboarding processes to enhance efficiency, compliance, and customer experience
• Research client information via Google, LexisNexis, Bankers Almanac, Bloomberg, and D&B Reports.
• Working knowledge of unpacking complex corporate structures with connections to non-transparent jurisdictions including Trusts and funds in overseas jurisdictions (BVI, Channel Islands, Cayman Islands etc.)
• Determine and implement additional steps, validating KYC risk compliance based on research of customer records, verification of account purpose and legitimacy, and analysis of transaction activity.
• worked on different types of entities like Sovereign wealth fund (SWF), SPVs, Trust, Etc.
• Provide support to senior stakeholders by ensuring the accurate and timely execution of KYC reviews.
• Assist in managing the periodic KYC reviews processes while ensuring compliance with regulatory and internal policies.
• Strong communication with the ability to articulate issues, risks, and proposed solutions to various levels of staff and management.
• Be responsible for running control and governance reports, flagging and resolving any errors in daily processes, identifying and escalating risks, collaborating with senior business individuals.
• Worked on regulatory requirements and have knowledge of FCA.
• Hands-on experience in customer due diligence (CDD), enhanced due diligence (EDD), sanctions screening, PEP assessments, adverse media checks, and financial crime screening.
• Conducting in-depth reviews of high-risk customers and transactions.
• Manage multiple priorities and ensure completion of deliverables with deadlines.
• Gathering additional customer information to establish their source of wealth and funds.
• Analyzing customers' transaction patterns and behavior for any suspicious activities.
• Experience of using screening tools such as World-Check One, Fircosoft, or Fenergo desirable, RDC, COSIMA, NAPIER.
• Experience and complete knowledge of Global Minimum Standards (GMS), Country Specific Standards (CSS).
• Liaising with customers to obtain necessary EDD information and documentation.
• Preparing and presenting detailed EDD reports to senior management and collaborating with compliance and legal teams to ensure EDD procedures are up to date with regulatory changes
• Conducting ongoing monitoring of high-risk customers and reporting any changes in risk levels.
• Escalating potentially suspicious activities to the appropriate internal teams for further investigation.

Transaction Monitoring and Financial Investigation unit (FIU) - WNS GLOBAL SERVICES, REVOLUT

(2020-04 - 2021-10)

• Monitor the departmental queues for alerts on a regular basis throughout the working day ensuring management are aware of outstanding alerts at end of day.
• Be familiar with the departmental systems/ processes and their implementation.
• Review transaction monitoring alerts in line with prescribed procedures.
• Investigate the individual alerts to determine if there is a potential suspicious transaction involved.
• Follow the recommended standard investigation steps.
• In addition, assess if there is anything else unusual about a transaction, particularly based on experience of previous transactions
• Assess the transaction in the context of previous transactions and the client's business/purpose of the account - if necessary, review the client file.
• Assess the relevance of the geographies of the remitter and beneficiaries of the transaction Where there are grounds for suspicion or a requirement for guidance in relation to an alert, escalate in line with the procedures.
• Create and maintain accurate and concise records of all investigations undertaken including details on the rationale for any decisions made.
• Seek to build an understanding of the profile of customers highlighted through the transaction monitoring alert process.
• Assist with the preparation of departmental Management information reports.
• Provide input for the maintenance of the departmental procedures.
• Provide advice and support to the business units on the identification of areas of risk because of transaction monitoring trends.
• Any other associated duties are required from time to time to meet the departmental responsibilities and goals.
• Suspicious Activity Reporting: Identify and report any suspicious activities following established procedures through NCA.

Client On-boarding specialist - MASHREQ GLOBAL SERVICES

(2019-03 - 2020-03)

• Reviewing and updating periodic review KYC files and Remediation review KYC files with missing and updated information to satisfy compliance requirements.
• Determine whether activity seems legitimate or not by applying various AML regulations, including the USA Patriot Act, the Bank Secrecy Act, and OFAC.
• Ensured that the information obtained was consistent with BSA/AML Policy and Procedures and satisfied regulatory requirements.
• Very proactive approach to process improvement, actively seeking opportunities for change that benefit a wider team.
• Liaison with the Compliance Department and senior management within Business units supported End-to-end management of the client KYC process, including liaison across business, compliance, and operations.
• Contributing ideas and participating in efforts to further improve and streamline the process.
• Develop knowledge of AML/BSA related regulations; remain current with regulatory laws, rules, and guidance. Participating in related industry seminars and training.

KYC Analyst - Deutsche bank

(2016-08 - 2017-09)

• Periodic Review of new clients and existing clients by performing various due diligence levels based on the client's risk rating.
• Performed end-to-end KYC on various entities, including SPVs and CIS.
• Responsible for detecting and reporting suspicious clients to prevent money laundering and terrorist financing activities.
• Compiling material change reports, validating the material change, and ensuring such material changes are recorded on all systems of the client.
• Ensuring risk is not mitigated, which affects the client's various risks such as reputation, operational, etc.
• Ensuring clients are compliant with all regulatory requirements, which included USA PATRIOT ACT, FINCEN, FATCA, OFAC Sanctions, etc.
• Escalate high-risk and out-of-order records to Compliance team, Responsible for performing Quality checks for KYC's periodic reviews.
• Determine and implement additional steps, validating KYC risk compliance based on research of customer records, verification of account purpose and legitimacy, and analysis of transaction activity.
• Knowledge of payment schemes and messaging formats (ISO20022, UK CHAPS, Faster Payments, AFT)

Master of Science - Management - BPP University (2023-12 - 2024-12)

Masters - business administration - The University of Northampton (2017 - 2019)

Bachelor of Commerce - Finance, Accounting, Auditing, Taxation and Human Resource - CMR Institute of Management Studies (2013 - 2016)