Bhavani Singh

An accomplished compliance and operations professional with over 11 years of progressive experience across global financial and service organizations. Demonstrated expertise in the KYC/AML compliance, risk assessment, mortgage processing, and team leadership, with a proven ability to manage client onboarding, conduct due diligence, and ensure strict regulatory adherence. Career progression includes as Team Leader at Hinduja Global Solutions, advancing to Process Associate at HSBC with deep knowledge of mortgage lifecycle and automation initiatives, and most recently as a Client Data Specialist at JP Morgan Chase, specializing in enhanced due diligence and safeguarding organizational integrity.

Recognized for strong analytical skills, operational efficiency, and leadership in high‑pressure environments.

Client Data Specialist - JP Morgan Chase Services India Pvt.Ltd - India

(2022-01 - 2025-01)

Been part of the KYC/AML domain with a role ensuring compliance with regulatory standards and safeguarding organizational integrity. Was responsible for conducting comprehensive client reviews, onboarding new and existing clients with thorough due diligence, and investigating high-risk accounts including Politically Exposed Persons (PEPs). I collaborated closely with compliance officers, escalated potential issues in a timely manner, and played a key role in uncovering suspicious activities, including attempts at money laundering.

This experience provided me with deep expertise in customer due diligence, enhanced due diligence, and risk management practices, while strengthening my abilities to operate in a high-stakes financial environment.

• Performed comprehensive client review with accurate information, documentation and compliance in line with the Know Your Customer (KYC) procedures. Collected, vetted, and submitted client information to meet AML/KYC and account opening requirements accurately and within established SLAs, including periodic renewals.
• Client onboarding and conducted due diligence on the new and existing clients, with the available KYC information and requested additional, if required. Reviewed and verified the received documentation with an analytical risk assessment.
• Investigated high risk clients including the one's being classified/categorized as the Politically Exposed Persons (PEP's). Ensured strong AML/KYC controls by delivering complete, accurate onboarding and renewals in partnership with client-facing teams.
• Executed Enhanced due diligence EDD & Customer due diligence CDD, through the validation of identities and documents to ensure compliance, legal and regulatory standards while maintaining the organizational integrity.
• Investigated suspicious and unusual transactional activities & discrepancies and documented the findings/observations and reported the KYC/AML compliance officers, thereby safeguarded the organizational assets and preserved regulatory compliance and uncovering money laundering attempt to uphold the legal requirements.
• Performed the detailed customer risk assessment to identify the potential irregularities and also to minimize the exposure to the financial and compliance regulatory risks effectively.
• Reviewed the potential risk accounts and escalated issues timely.

Process Associate - HSBC Data Processing India Pvt.Ltd - India

(2012-01 - 2017-12)

First Direct (HSBC UK Mortgage) caters exclusively the premier segment of customers. My role involved in the Mortgage application assessment and also to ensure the mortgage sanction/approval offers were released within the stipulated timescales. I have been associated with the team since January 2012 and have gained immense knowledge of end-to-end mortgage life cycle in the First Direct mortgage department.

Have capped multiple roles such as Quality checker or a Process reviewer. I had been associated with one of the major automations too, within the department. Which involved the test, review, and usage of the tool designed to automate the manual input on the system and documents.

• Timely completion of the client data as per the procedures set.
• Monitored the work queues and ensured the work items were processed as per the SLA (Service level agreement) agreed.
• Organized training initiatives and systematically reviewed individual performance to drive continuous improvement.
• Raised process relevant concerns/issues with the concerned technical teams and sought amendments to enable and ensure the smooth flow of work queue processing.
• Ensured completion of all the mandatory trainings, timely and adhered the company's core standards.
• Was one of the first few operators to go BAU on the queues when migrated from UK (Sheffield)
• As an auditor was responsible for completing the mandatory audit for the team (10% sample check for the BAU (Business as Usual) operators and 100% check for NON-BAU (Business as Usual) staff
• As a trainer imparted training to peers in the team and others in the section (trained 10 staff apx.)

Team Leader - Hinduja Global Solutions - India

(2009-01 - 2011-12)

Started the career as a Process Associate, designated to support the Airtel Managed service clients. My strong performance led to a promotion as a Team Leader, where my role involved to manage a team of 15 members. Work allocation, monitoring output, and coaching direct reportees to deliver consistent service quality were the primary responsibilities.

• Resolved customer queries efficiently, ensuring timely resolution and satisfaction.
• Allocated tasks and monitored workflow to maintain the operational service quality.
• Conducted timely performance reviews and provided feedback to support the overall team development.
• Reviewed team output for the accuracy and adherence to process standards.
• Coordinated and cooperated with the peers and management to implement process improvements.

Bachelor of Commerce - Commerce (2008)