Amrutha S

Specialized Transaction Monitoring Analyst with 2.5 Years of progressive experience in AML compliance, KYC/CDD/EDD analysis, and financial crime risk assessment across retail and wealth management segments. Expert-level proficiency with institutional-grade monitoring platforms (Heritage Actimize, Strategic Actimize, Avaloq) and advanced sanctions screening tools (World Check, NLS). Demonstrated expertise in identifying suspicious fund flows, PEP exposure detection, and regulatory compliance.

Strong track record in high-pressure compliance environments with meticulous audit and documentation standards.

Transaction Monitoring Analyst - Deutsche Bank – International Private Banking (IPB) - Bengaluru

(2026-06)

• Monitor and analyze transaction alerts for ultra-high-net-worth (UHNW) clients using Heritage Actimize and Strategic Actimize platforms
• Conduct real-time sanctions screening and PEP detection using World Check and NLS (Name List Screening) for cross-border wealth transfers
• Execute complex KYC/CDD/EDD investigations on high-net-worth client portfolios with emphasis on beneficial ownership and fund source verification
• Identify and escalate suspicious transaction patterns including structuring, unusual cross-border flows, and PEP-related exposure
• Manage transaction disposition and case narratives using DMS (Data Management System) with full audit trail documentation
• Collaborate with Wealth Management, Compliance, and KYC teams to resolve complex transaction monitoring exceptions
• Maintain strict compliance with Deutsche Bank AML policies, regulatory frameworks (FATF, RBI, FCA), and international sanctions regimes
• Utilize Avaloq platform for comprehensive client data integration and transaction context analysis

Process Associate - Tata Consultancy Services (TCS) - Bengaluru

(2024-01 - 2026-04)

Reviewed transaction monitoring alerts daily using Actimize platform. Conducted comprehensive KYC, CDD, and EDD investigations on customer segments. Prepared SAR and STR cases monthly with detailed investigation narratives.

• Reviewed 40–60 transaction monitoring alerts daily using Actimize platform with consistently high accuracy standards
• Conducted comprehensive KYC, CDD, and EDD investigations on customer segments to support alert disposition and escalation decisions
• Analyzed transaction patterns, fund flow behavior, and account activity to detect financial crime typologies (structuring, layering, integration)
• Prepared 15+ SAR (Suspicious Activity Report) and STR (Suspicious Transaction Report) cases monthly with detailed investigation narratives
• Identified critical risk cases: mule accounts, politically exposed persons (PEP), sanctions-related matches, and unusual remittance patterns
• Executed sanctions screening across OFAC, EU, UN, and RBI regulatory lists with adverse media checks
• Collaborated with cross-functional teams (Compliance, KYC, Fraud) to resolve discrepancies and strengthen monitoring controls
• Maintained comprehensive audit documentation and compliance records aligned with FATF recommendations, RBI guidelines, and FCA regulations

MBA - HR & Finance - Jain University (2024-07)

Bachelor of Commerce - B.Com - Ballari Business College, Karnataka (2024)

Pre-University - Commerce - Vignan PU College, Karnataka (2022)