Anil

AML and L2 Transaction Monitoring Analyst with around 3 years of experience in financial crime compliance, specializing in KYC/CDD, sanctions screening, and fraud risk assessment. Proficient in tools such as Actimize, FCMS, Vision and World-Check. Strong expertise in identifying suspicious activity, conducting investigations, and supporting SAR filings in line with global regulatory standards including OFAC and FATF guidelines.

PROCESS EXECUTIVE - INFOSYS - Bangalore

(2023-10 - 2025-01)

SENIOR PROCESS EXECUTIVE - INFOSYS - Bangalore

(2025-01 - 2026-03)

PROCESS DELIVERY SPECIALIST - IBM - Bangalore

(2026-04 - 2026-05)

• Served as an L2 investigator handling escalated AML alerts and conducting detailed investigations to determine suspicious activity.
• Performed Customer Due Diligence (CDD) and basic KYC verification to validate customer profiles and transactional behavior.
• Analyzed deposit transactions and check patterns to detect anomalies and potentially fraudulent activity.
• Identified red flags such as structuring, unusual transaction spikes, and inconsistent customer behavior.
• Initiated and documented fraud investigation cases (CFO cases) for suspicious deposits across ATM, mobile, and branch channels.
• Collaborated with internal teams to block compromised accounts/cards and mitigate financial risk.
• Ensured compliance with internal AML policies and regulatory standards during alert review.
• Reviewed and investigated 40+ daily transaction alerts to identify suspicious activities and potential AML risks.
• Conducted CDD and sanctions screening using Actimize, FCMS, Vision and World-Check.
• Serve L2 escalation point, reviewing high-risk alerts and complex cases escalated by L1 analysts to determine the necessity of a SAR filing or case closure.
• Reduced false positives by contributing to transaction monitoring rule optimization.
• Conducted end-to-end transaction monitoring investigations across retail and digital banking channels.
• Performed Enhanced Due Diligence (EDD) for high-risk customers, including PEP and sanctions screening.
• Utilized Actimize, Vision and World-Check for sanctions and adverse media screening.
• Investigated complex transaction patterns to identify layering and integration stages of money laundering.
• Prepared detailed Suspicious Activity Reports (SARs) with clear narratives and supporting evidence.
• Assessed customer risk profiles and assigned risk ratings based on transactional behavior and documentation.
• Collaborated with Compliance, Legal, Fraud, and Operations teams to escalate significant financial Crime risks.
• Acted as a Subject Matter Expert (SME) for transaction monitoring, sanctions screening.
• Provided guidance and mentoring to junior analysts on identifying red flags and drafting effective case narratives.

Bachelor of Computer Applications - Computer Applications - ISBM UNIVERSITY (2019 - 2022)