Manager – KYC / QA Operations - State Street Corporate Services Mumbai Pvt. Ltd. - Bengaluru, India
(2025-09)
- Lead KYC/QA operations covering New-to-Bank onboarding, periodic reviews, and event-driven reviews, ensuring processes meet regulatory expectations and industry best practice.
- Manage stakeholder relationships across Leadership and Operational Forums to communicate money laundering risk and drive risk-excellence culture.
- Ensure quality and skill levels of KYC/QA resources remain "best in class," and deliver BU/RM training to embed AML behaviors across teams.
- Own status reporting and commentary for management and committee review; complete due diligence requirements on time in line with AML risk standards.
- Maintain current knowledge of AML and financial crime risk through annual AML Academy and related training; drive a culture of change, ownership, and performance differentiation.
Team Leader / Manager - JP Morgan India Pvt. Ltd. - Bengaluru, India
(2018-09 - 2025-05)
Managed a team of 15 employees, providing mentorship and support that improved productivity by 8% and reduced operational risk by 12% through new team processes. Conducted regular performance reviews, set clear KPI/KRI-aligned objectives, and delivered training that raised team competency by 15% and quality/accuracy by 98%. Resolved conflicts and fostered a positive work environment, improving employee satisfaction scores by 20%; recognized team accomplishments to sustain engagement.
Partnered with senior management to design and execute strategies improving team efficiency and achieving business targets; analyzed metrics to identify improvement opportunities.
- KYC Process Optimization & Automation: Implemented automated KYC tools (OCR document extraction, AI-based risk scoring) and integrated platforms such as Refinitiv, LexisNexis, and Dow Jones, standardizing checklists to reduce manual errors and cut KYC processing time by 20%.
- Enhanced Due Diligence (EDD): Built risk-based EDD frameworks for PEPs, high-risk jurisdictions, and complex ownership structures; led OSINT and adverse media investigations and trained analysts to identify red flags such as shell companies and sanctions exposure.
- AML Transaction Monitoring Tuning: Collaborated with IT/Compliance to adjust alert thresholds and analyzed transaction patterns to reduce false positives and improve suspicious activity detection, documenting findings for regulatory audits.
- Regulatory Compliance & Audit Readiness: Led internal audits and prepared for external regulatory exams under FATF, FinCEN, and EU AMLD; updated AML/KYC policies for Beneficial Ownership rules and conducted gap assessments, achieving 100% audit readiness.
- Team Training & QA: Developed AML/KYC training programs (sanctions screening, fraud detection) and QA scorecards; tracked case closure rate and accuracy KPIs, training 15 analysts and improving accuracy by 98%.
- Customer Risk Rating Enhancement: Redesigned risk scoring methodology across geography, business nature, and transaction behavior, integrating new data sources for stronger risk segmentation.
- Remediation & Backlog Clearance: Led a remediation squad to clear backlogged KYC cases, coordinating with Legal and Business teams on client outreach.
- Onboarding Process Improvement: Introduced digital KYC solutions (e-signatures, biometric verification), reducing client onboarding time by 30–50% through process re-engineering.
- Cross-Border AML Compliance: Aligned local AML policies with global standards and conducted cross-regional AML workshops for global teams.
- Fraud Detection & Link Analysis: Used network analysis tools (Palantir, SAS AML) to identify suspicious money-laundering networks, collaborating with law enforcement on fraud investigations.
- Key Achievements: Reduced KYC processing time by 20% through automation (API bot); achieved 100% audit readiness for regulatory exams; trained 15 analysts, improving team accuracy by 98%; led a high-risk client review that uncovered multiple suspicious cases.
Senior Credit Assessment Officer – Mortgage Fulfillment - Australia and New Zealand Banking Group (ANZ) - Bengaluru, India
(2014-06 - 2017-04)
- Processed and screened Australian home loan applications, conducting risk-based assessment and approval of loan documents against bank guidelines.
- Reviewed loan documents against multiple parameters prior to escalation for full and final loan approval, and communicated decisions to bank brokers.
- Managed team operations, escalations, mergers, and reworks during peak and crisis periods, ensuring continuity of end-to-end processing as a tenured process owner.
- Handled lock-rate fee charges and documentation involving corporate guarantors, applying accurate and timely data-driven recommendations to optimize decision-making.
Senior Operations Representative – Remittance Department - Bank of America - Chennai, India
(2013-10 - 2014-04)
- Processed Chennai and Bengaluru branch INR payments, draft/cheque printing, and NEFT/RTGS transactions via SWIFT messages MT103 and MT202.
- Processed Non-STP-compliant payments for both branches and resolved draft/cheque issuance, cancellation, reissuance, and credit-back queries.
- Prepared and consolidated monthly statements of account for clients, coordinating with the Chennai team on Non-STP tax payment processing end to end.
Operations Representative – Payments & SWIFT Processing - Royal Bank of Scotland (RBS) - Chennai, India
(2011-06 - 2013-06)
- Processed SWIFT messages MT103 and MT202 and international clearings/routings across 27 Euro-area countries via SEPA, BACS, CHAPS, CHIPS, and RTGS, maintaining 100% accuracy against TAT targets.
- Performed single-eye release (checker) of payments to EBA Clearing and SEPA for 28 EU member states plus EFTA members, Monaco, and San Marino, investigating country-specific transaction issues.
- Authorized high-volume daily transactions (200–225), extracted and analyzed MI reports, and led error-analysis huddles and business team talks.
- Managed team coverage during crisis periods (staff shortages, system issues) and prepared monthly SLA, volume, and rejection reports; performed quality checks on trade collection documents.
- Supported the National Australia Bank static data operations account, maintaining client reference data across Business, Wholesale, and Private Financial Services via Global Reference Data (GRD) management.
