Ajith Kumar

Results-driven KYC Analyst and Banking Operations professional with 11+ months of hands-on experience in Know Your Customer (KYC) verification, Anti-Money Laundering (AML) screening, and Risk Containment Unit (RCU) processes at PNB Housing Finance Limited. Proven expertise in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), document authentication, and fraud risk analysis. Adept at reviewing customer profiles, validating identity and address proofs against regulatory standards, and maintaining meticulous compliance records.

Highly detail-oriented with a strong grasp of banking compliance frameworks, data accuracy, and confidential information handling — ready to contribute to BFSI, fintech, and MNC compliance teams.

KYC Analyst / RCU Executive - PNB Housing Finance Limited · Vee Gee Associates - Chennai, India

(2024-11 - 2025-04)

• Conducted end-to-end KYC verification of customer identity documents (Aadhaar, PAN, Passport, Voter ID) ensuring full compliance with RBI and PMLA regulations.
• Performed Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) checks for new and high-risk customer accounts before onboarding approval.
• Executed AML screening of customer profiles against sanctioned lists, PEP databases, and internal watchlists to detect suspicious patterns.
• Carried out physical and digital address verification to authenticate customer residential and business addresses as part of the RCU process.
• Identified, documented, and escalated fraudulent or non-compliant applications to the senior compliance officer in a timely manner.
• Reviewed and validated customer financial documents for loan and account processing, ensuring zero tolerance for document discrepancies.
• Maintained accurate and confidential KYC records in core banking systems (CBS & Financial software), achieving high data accuracy standards.
• Prepared daily, weekly, and monthly compliance reports and audit-ready documentation for internal and regulatory review.
• Coordinated with branch operations, credit, and legal teams to resolve KYC deficiencies and ensure smooth customer onboarding.
• Processed deposits, withdrawals, and payment transactions with strict attention to transactional accuracy and fraud prevention protocols.

Administrative Executive - Izeon Innovative Pvt Ltd - Chennai, India

(2024-11 - 2025-04)

• Managed office documentation, data entry, and record maintenance with high accuracy across multiple concurrent tasks.
• Coordinated internal schedules, correspondence, and cross-departmental communication to ensure seamless daily operations.
• Prepared MIS reports, compliance summaries, and operational records for management review.
• Demonstrated strong time management and prioritization skills in a fast-paced administrative environment.

KYC Analyst - Chennai, India

(2025-05)

B.Sc.

• Computer Science - Puratchi Thalaivar DRMGR Govt. Arts & Science College, Madhanur (2020 - 2023)

Higher Secondary Certificate - Govt.

Boys Higher Secondary

School, Odugathur, Vellore (2020 - 2020)

Secondary School Leaving Certificate - Govt.

Higher Secondary

School, Agaram, Vellore (2018 - 2018)