Aryan Karyappa

AML/KYC Analyst with 3 years of experience supporting client onboarding and KYC operations through customer due diligence, KYC data validation, documentation review, discrepancy resolution and risk assessment within global banking. Experienced in reviewing 50+ KYC cases weekly across 15+ internal and public sources, performing CIP, CDD, EDD, sanctions, PEP and adverse media screening, and preparing audit-ready KYC risk summaries. Demonstrated experience identifying and resolving 100+ KYC discrepancies, coordinating documentation remediation, escalating high-risk findings and maintaining 98% quality accuracy with 100% SLA compliance.

Proven ability to identify process gaps and implement improvements that reduced review turnaround time by 15%.

AML / KYC Analyst – Client Onboarding - STATE STREET - Bengaluru, Karnataka

(2024-11)

• Resolve 95% of documentation discrepancies during client onboarding by coordinating timely amendments with internal teams.
• Process 15 client records weekly through KYC review workflows while maintaining required onboarding timelines.
• Analyze confidential client data across 15+ internal and public sources to complete 50+ KYC reviews weekly while maintaining 100% SLA compliance.
• Execute CIP, CDD and EDD checks across 200+ client records, validating KYC documentation and reducing documentation deficiencies by 20%.
• Perform sanctions, PEP and adverse media screening across 300+ profiles, identifying and escalating 15+ AML red flags and relevant risk indicators to Compliance for further review.
• Review complex ownership structures, beneficial ownership details and legal documentation to validate client information and support accurate customer risk ratings.
• Identify and resolve 100+ KYC data discrepancies by coordinating documentation amendments with relevant teams, contributing to a 95% first-pass quality rate.
• Escalate 20+ high-risk findings and suspicious activity patterns to Compliance in accordance with established procedures and support timely risk mitigation.
• Prepare 150+ KYC risk summaries by consolidating client information, risk factors, findings and supporting documentation for onboarding and periodic review decisions.
• Maintain 98% quality accuracy while completing 50+ weekly reviews within required SLAs and ensuring complete, accurate and audit-ready KYC records.
• Safeguard sensitive client documentation and review evidence, supporting audit readiness with zero compliance findings during internal audits.
• Identify and implement process improvements that reduced average KYC review turnaround time by 15% while maintaining quality and compliance requirements.
• Validate CIP, CDD, and EDD documentation for client files to support accurate onboarding decisions.
• Review beneficial ownership details and legal records to confirm client information against internal standards.

AML / KYC Analyst (Apprenticeship) - STATE STREET - Bengaluru, Karnataka

(2023-01 - 2024-01)

• Screen client profiles for sanctions, PEP, and adverse media hits and escalate relevant concerns for review.
• Prepare KYC case notes that summarize findings, risk factors, and supporting evidence for review decisions.
• Assess customer risk factors using available documentation and screening results to support case disposition.
• Coordinate with compliance and operations teams to clarify exceptions and move cases toward resolution.
• Resolved 98% of onboarding discrepancies through follow-up on missing records, documentation gaps, and required KYC updates.
• Conducted approximately 15 Customer Due Diligence reviews weekly by examining confidential client information and KYC documentation.
• Performed CIP verification and supported Standard Due Diligence reviews for client onboarding and periodic KYC checks.
• Reviewed client information across internal databases and public sources to validate profiles and identify inconsistencies.
• Conducted sanctions, PEP, and adverse media screening during onboarding and periodic KYC reviews to support AML risk identification.
• Identified KYC record discrepancies and recommended documentation updates to improve data accuracy, completeness, and compliance.
• Escalated AML red flags and high-risk cases to senior analysts, while coordinating with internal stakeholders to close documentation gaps and remediate KYC issues.

MASTER OF BUSINESS ADMINISTRATION - Data Analytics - Manipal University Jaipur (2026-09)

BACHELOR OF SCIENCE - Forensic Science - Jain University (2022-07)