Athira

Certified in anti-money laundering (CAMS) with expertise in financial crime compliance and regulatory reporting. Hands-on expertise in AML, KYC, client onboarding, and financial crime prevention across corporate and private banking environments. Experienced in managing complex due diligence cases, conducting enhanced risk assessments on high-risk entities, including PEPs, and ensuring adherence to evolving regulatory frameworks.

Strong track record in transaction monitoring, sanctions screening, and cross-border compliance collaboration with MLROs and business units.

Anti-Money Laundering Analyst at Moneycorp (2022-11 – 2026-07)

• Reviewed and authorised new private and corporate client account openings, conducting detailed KYC checks, assessing AML risks, and ensuring adherence to internal policies and procedures for smooth onboarding and regulatory compliance.
• Managed end-to-end client onboarding processes, including document collection, verification, and initial risk scoring.
• Performed periodic and customer due diligence (CDD) in accordance with regulatory requirements and internal AML policies and procedures following a trigger event.
• Conducted Enhanced Due Diligence (EDD) on new and existing corporate entities such as sole traders, limited companies, partnerships, and charities as well as individuals, including Politically Exposed Persons (PEPs) with high-risk classifications.
• Conducted risk assessments and client classification (Low, Medium, High Risk) based on trigger events and periodic review cycles.
• Reviewed and validated client documentation, including corporate structures, ownership details, source of wealth, and source of funds, to maintain accurate and up-to-date client profiles.
• Contributed to the continuous improvement of customer due diligence (CDD) processes by identifying inefficiencies and recommending enhancements.
• Worked on live FX transactions by evaluating AML/KYC risks of clients and beneficiaries, conducting independent research, transaction monitoring, and risk assessments of flagged transactions; escalated suspicious payments and transactions linked to sanctioned jurisdictions to the MLRO.
• Monitored and investigated real-time (RT) and transaction monitoring (TM) alerts, including high-risk RT codes such as RT06 (Very High-Risk Jurisdiction) and RT10 (New Country), as well as TM scenarios like private deviation and multiple sanctions screening hits.
• Conducted sanctions screening for all inbound and outbound FX transactions within business hours across all business entities.
• Acted as a subject matter expert for the sanctions screening team.
• Prepared training materials for the sanctions screening team and provided training for new joiners and existing staff.
• Performed transaction monitoring, sanctions screening, client onboarding, and CDD reviews using platforms such as LexisNexis, Soteria, TM, CRM, and OMNI, ensuring compliance with regulatory standards and internal policies.
• Compiled Suspicious Activity Reports (SARs) for internal business unit review and formal submission.
• Responsible for carrying out company-wide AML compliance policies and procedures while working closely with key business areas, including in-country front offices, compliance officers, and MLROs.
• Ensured compliance with company-wide AML policies and procedures while closely collaborating with key business units, including front offices, compliance officers, and MLROs across jurisdictions.

Finance Assistant at Nottingham Trent University (2022-01 – 2022-11)

Assistant within the university's income and debt team with responsibility for payments processing; reconciling, monitoring and reporting on accounts receivable and payable, alongside assisting with a diverse range of customer relations queries.

• Monitored and reviewed finance system payment records, ensuring all payments received into the university's Euro bank account were reconciled and outstanding items investigated.
• Allocated daily income and investigated unallocated cash received to keep track of customer accounts in the finance system.
• Created invoices and issued credit notes, ensuring requests complied with financial regulations and the validity of credit notes according to other finance systems, including Banner and online payments.
• Processed tuition and accommodation fee refunds for national and home students via Western Union, online store, WPM Education Extranet, and Recurring Card Payment System (RCP), and recorded them in the finance system.
• Developed strong communication skills by monitoring the finance income mailbox and resolving student queries by phone, email, and face-to-face, including customer support at the finance counter.
• Responsible for maintaining the petty cash float and reconciling any reimbursements within university cash accounts.
• Verified customer information, including account number and invoice details, and entered them into the finance system.

Accounts Assistant at Mojatu Foundation (2020-06 – 2021-12)

Full-time Internship

• Prepared monthly management accounts and annual financial statements for senior management review.
• Processed internal and external payments, reviewing trial balances, petty cash, and accounts receivable.
• Populated and prepared customers' service invoices, tracked expenses, and maintained records of all invoices and bills.
• Set up new supplier accounts, updated bank information, and verified invoices.
• Reviewed balance sheet reconciliations and other daily cash account reconciliations in Excel.
• Helped build new project cash projections and maintained the QuickBooks account.

Anti-Money Laundering Analyst at Remit Continental (2020-01 – 2021-06)

Part-time

• Executed foreign currency exchange transactions for customers on MoneyGram, Western Union, and Remit Continental platforms after evaluating KYC checks.
• Monitored the FX market and rates daily; executed wire transfers for national and international payments according to client instructions.
• Prepared in-depth reports outlining findings and recommendations for improvement by updating knowledge and understanding of major aspects of AML, KYC, due diligence, and other financial issues, policies and procedures.
• Performed enhanced due diligence on entities and individuals via Google, LexisNexis, Orbis, and World-Check and analysed negative media findings in RDC (Regulatory Data Corp) using a risk-based approach.
• Reviewed required AML/KYC regulatory requirements for all clients and analysed transactions that appeared unusual based on the customer's profile.
• Undertook further compliance checks within FX platforms, ensuring screening of all financial transactions.
• Initiated RFI (Request for Information) to the concerned team or department through the channels outlined for financial transactions.
• Escalated true matches identified to the second line of business as part of procedures.

Technical Analyst at Allianz Technology SE (2017-08 – 2019-08)

• Managed technical solutions on a remote IT support helpdesk, reviewing data requests, solving incidents, and logging resolutions and escalations using ServiceNow. Created accurate CRM tickets and assigned calls, requests, incidents, and external support.
• Proactively monitored tasks to improve and optimise processes across infrastructure, applications, and service delivery.
• Solved internal IT problems and performed basic troubleshooting within the company.

Master's in Finance and Accounting – Nottingham Trent University (2019-09 – 2021-10)

Bachelor's in Commerce – University of Kerala (2014-07 – 2017-04)