Dhruv Chawda

Risk Management, Compliance, and AML/KYC professional with 3+ years of experience driving risk assignment, transaction monitoring, and regulatory compliance across consumer, small business, commercial, and investment banking portfolios (Wells Fargo, Accenture). Skilled in financial crime risk identification, sanctions and PEP screening, and end-to-end AML case investigation, with a consistent track record of 100% quality performance. Progressed from first line (L1) to second line of defense (L2A) through strong risk judgment and regulatory accuracy.

Combines sharp data analysis and AI-driven automation (Python, Power BI, MS365 Copilot) with strong oral and written communication to manage high transaction volumes clearly, accurately, and efficiently.

Due Diligence Coordinator - Wells Fargo - Hyderabad, India

Consumer & Small Business Banking (CSBB) | Consumer Lending (CL) | Commercial & Investment Banking (CIB)

• Own end-to-end risk assessment and risk assignment for individual and entity customers across CSBB, CL, and CIB portfolios, applying a risk-based approach to determine due diligence level and compliance treatment.
• Drive transaction monitoring and financial crime risk management to detect red flags including fraud, structured/wrapped transactions, layering, and other suspicious activity typologies across high-value accounts.
• Review 30–40 high-value AVA (Actual vs. Accepted) cases monthly, analyzing transaction value, volume, and ratio against expected customer activity to identify emerging risk and behavioral deviations.
• Assign and validate customer risk ratings based on product type, NAICS code, country/geographic exposure, and business activity — ensuring alignment with internal risk appetite and regulatory frameworks.
• File Unusual Activity Reports (UARs) and compile audit-ready case documentation supporting SAR (Suspicious Activity Report) investigations and regulatory submissions.
• Conduct compliance investigations using internal banking systems, Cornerstone, OFAC and UNSC sanctions databases, and independent research to validate customer legitimacy and mitigate financial crime risk.
• Analyze flow of funds across Wire, ACH, SWIFT, Cash, and Check transactions to assess purpose, legitimacy, and risk exposure of high-value activity.
• Partner with Relationship Managers and cross-functional stakeholders — applying strong oral and written communication — to close documentation gaps and escalate risk concerns.
• Apply advanced MS Excel, Python scripting, and AI-driven tools (MS365 Copilot, Power BI) to automate data analysis and reporting, improving turnaround on high transaction volumes.
• Maintain 100% quality scores and zero SLA breaches across all case reviews within a 45-day compliance SLA.
• Key Achievements: Achieved 110% of annual performance target; built Excel/automation tools for team performance tracking, recognized by management. Escalated unusual activity cases later validated as suspicious by the US onshore team.

Trust & Safety Associate — L2A — Second Line of Defense - Accenture Pvt. Ltd.

(2024-06 - 2025-05)

• Performed sanctions and PEP (Politically Exposed Person) screening and risk assignment for individual and entity customers against OFAC, UNSC, and World-Check watchlists.
• Conducted advanced KYC/AML investigations and payment screening across Wire, ACH, SWIFT, and cross-border transactions, assigning risk levels based on customer, geographic, and transaction profile.
• Identified, investigated, and blocked 21 high-risk customers transacting in sanctioned countries, mitigating financial crime and compliance risk exposure.
• Led quality control (QC) reviews on case investigations to ensure regulatory accuracy, and maintained thorough documentation across each stage of escalation.
• Communicated case findings and risk decisions clearly to team members and second-line reviewers to support timely, compliant closure.
• Key Achievements: Received 2 Quality Awards for case accuracy, regulatory compliance, and identification of high-risk patterns at the L2A level.

Trust & Safety Associate — L1 — First Line of Defense - Accenture Pvt. Ltd.

(2023-06 - 2024-05)

• Performed end-to-end KYC and AML reviews — onboarding, CDD verification, sanctions screening, and periodic review — against global regulatory and compliance requirements.
• Screened customers against OFAC, UNSC, and global watchlists using RDC and LexisNexis; investigated and resolved alerts via the SRT ticketing tool.
• Identified false positives and fraud indicators, completing all cases within SLA at 100% accuracy with zero compliance breaches.
• Delivered AML/KYC training to new joiners and led process refreshers, reinforcing consistent compliance standards across the team.
• Key Achievements: Received Star of the Month award 3 times for exceeding targets, maintaining quality benchmarks, and contributing to team training.

MCA - Aurora PG College, Hyderabad (2022 - 2024)

B.Sc. - MPCs - Nalanda Degree College, Hyderabad (2019 - 2022)

Intermediate - MPC - Abhyudaya High School & College (2017 - 2019)

SSC Board - St. Joseph's Convent High School, Adilabad (2017 - 2017)