Saheli Sen

Financial Crime Compliance professional with over four years of banking experience, including more than two years specialising in Anti-Money Laundering (AML) investigations, Transaction Monitoring and Financial Crime Risk Management within HSBC's global Financial Crime Compliance function. Experienced in conducting complex, risk-based investigations across multiple jurisdictions, assessing customer risk through KYC/CDD analysis, Source of Funds (SOF), Source of Wealth (SOW), transactional behaviour and adverse information to identify potential money laundering, terrorist financing, fraud and sanctions risks. Trusted to produce regulatory-quality Suspicious Activity Reports (SARs), present investigative outcomes to governance stakeholders and perform independent quality reviews that strengthen investigative consistency and regulatory defensibility.

Recognised for combining analytical judgement, sound risk assessment and stakeholder collaboration with a strong commitment to operational excellence, mentoring and continuous process improvement.

Senior Analyst – Financial Crime Compliance - HSBC - Bengaluru, India

(2023-11)

Transaction Monitoring & Investigative Reporting

• Deliver complex, risk-based Financial Crime investigations arising from Transaction Monitoring alerts, fraud referrals, unusual activity reports and cross-border escalations, applying a structured analytical approach to identify potential money laundering, terrorist financing, fraud and sanctions risks.
• Evaluate customer profiles, KYC/CDD records, Source of Funds, Source of Wealth, transactional behaviour and adverse information to determine whether customer activity aligns with expected risk profiles and regulatory expectations.
• Produce clear, evidence-based investigative narratives and regulatory-quality Suspicious Activity Reports (SARs) within Universal Case Management (UCM), ensuring findings are robust, defensible and suitable for governance review.
• Independently manage a high-volume investigative portfolio while maintaining exceptional quality, accuracy and turnaround performance across multiple concurrent cases.
• Lead structured case walkthroughs with Risk Stewards, clearly articulating investigative methodology, customer behaviour, evidential findings and analytical rationale to support transparent governance and informed risk-based decision-making.
• Translate complex investigative findings into concise, actionable recommendations that enable effective challenge, strengthen governance oversight and facilitate consistent regulatory outcomes.
• Collaborate closely with Compliance, Operations, Quality Assurance and onshore stakeholders to resolve complex case queries while reinforcing consistent investigative standards across the function.
• Perform independent secondary quality reviews of investigation reports prior to final approval, enhancing analytical rigour, evidential support and regulatory defensibility while promoting consistently high investigative standards.
• Provide targeted coaching and constructive feedback that improves investigative writing, analytical reasoning and adherence to Financial Crime Compliance policies and internal quality expectations.
• Mentor investigators through structured coaching, technical guidance and knowledge sharing, strengthening analytical capability, investigative judgement and report quality across the team.
• Foster a culture of continuous learning by promoting best practices in investigative reporting, risk assessment and evidence-based decision-making.
• Partner with Product Owners to provide frontline operational insight, influencing enhancements to investigative workflows, documentation standards and system functionality that improve investigator effectiveness and user experience.
• Identify opportunities to streamline reporting processes, improve documentation consistency and strengthen operational efficiency across Financial Crime investigations.
• Leverage HSBC Productivity Suite to enhance narrative quality, investigative consistency and documentation standards across complex investigations.

Senior Customer Service Representative - HSBC - Bengaluru, India

(2019-02 - 2023-10)

Delivered customer service within a highly regulated banking environment while consistently balancing customer outcomes, operational efficiency and regulatory compliance. Developed a strong understanding of banking operations, customer due diligence, risk awareness and stakeholder communication, providing the foundation for a successful transition into Financial Crime Compliance.

• Delivered consistently high-quality customer service while ensuring strict adherence to internal policies, regulatory obligations and customer protection standards.
• Resolved complex customer enquiries by analysing account information, identifying appropriate solutions and communicating clearly with customers and internal stakeholders.
• Built strong relationships with cross-functional teams to resolve operational issues efficiently while maintaining high standards of service delivery.
• Selected by HSBC Training & Academy as a Mentor, supporting the onboarding and development of new colleagues through structured coaching, knowledge sharing and performance guidance.
• Recognised for consistently demonstrating strong performance, professionalism and customer-centric behaviours through multiple organisational awards, including the Golden Circle Award (FY2020), Golden Circle Award – Bronze (FY2021), Efficiency Champion, and Right Conversation with the Customer Award.

Customer Service Executive - 24/7 Customer Service

(2018 - 2019)

Provided customer support within a fast-paced service environment, developing strong communication, problem-solving and relationship management skills while maintaining confidentiality, accuracy and service excellence.

• Delivered timely and professional customer support while maintaining operational accuracy and service quality.
• Managed customer enquiries with empathy, professionalism and attention to detail.
• Consistently maintained confidentiality and handled sensitive customer information responsibly.
• Developed strong communication, adaptability and stakeholder management skills within a high-volume operational environment.

Bachelor of Arts - Online - Sikkim Manipal University (2029)

Higher Secondary - CBSE - Delhi Public School

Secondary - CBSE - Mahadevi Birla Girls' High School