Divya Agrawal

AML and Financial Crime Analyst with 1.11 years of experience in end-to-end SMR/SAR/CTR preparation and submission, transaction monitoring, KYC, CDD, ECDD, sanctions screening, PEP screening, and UAR/CTR reporting for an Australian banking client. One of few analysts with full-cycle SMR ownership — independently drafted, reviewed, and submitted complete Suspicious Matter Reports to AUSTRAC and ATO, a process typically handled at compliance officer level. Investigated complex typologies including illegal phoenix activity, child exploitation, coercion and domestic violence financial abuse, and high-risk platform transactions.

Selected for QC function and involved in training and SOP development. Google AI Essentials certified.

Financial Crime Analyst (Process Developer) at Genpact (2024-10 – Present)

Client: Australian Banking Institution | Domain: AML, SMR/SAR Reporting, KYC, Sanctions and Financial Crime

• End-to-End SMR/SAR Ownership: Independently drafted, reviewed, and submitted complete Suspicious Matter Reports (SMRs), Currency Transaction Reports (CTR) and Suspicious Activity Reports (SARs) to AUSTRAC and ATO — including full narrative construction, supporting evidence compilation, and regulatory submission. Full-cycle SMR ownership is rare at analyst level and typically handled by compliance officers
• Prepared Unusual Activity Reports (UAR) and Currency Transaction Reports (CTR) — ensured all reports met regulatory standards and were submitted within required timeframes
• Sanctions Screening: Performed daily sanctions and PEP screening using World-Check against OFAC, UN, EU, and Australian domestic sanctions lists — conducted name matching, assessed adverse media hits, reviewed high-risk jurisdiction exposure, and documented risk-based decisions with clear rationale
• KYC and Due Diligence: Conducted CDD and ECDD on high-risk clients and PEPs — validated identity documentation, assessed beneficial ownership structures, and completed periodic reviews in line with AUSTRAC regulatory requirements
• Investigated complex AML alerts from automated transaction monitoring systems including illegal phoenix activity, syndicate-linked transactions, identity takeovers, and ATO tax fraud
• Investigated child exploitation and CSAM-linked financial activity — identified suspicious payment patterns across Steam, OnlyFans, VPN-linked transactions, Wise, and Revolut
• Investigated coercion and domestic violence financial abuse cases — identified financial control patterns and escalated with full SMR submissions to relevant authorities
• Reviewed mortgage fraud cases involving falsified payslips and income documents — identified fraudulent documentation and filed SMRs accordingly
• Training and SOP: Contributed to training of new analysts and supported development and review of Standard Operating Procedures (SOPs) for investigation workflows — shared best practices and emerging typology knowledge with team members
• Quality Control: Selected for QC and quality assurance function — reviewed and validated completed investigations for accuracy, regulatory compliance, and documentation standards before case closure
• Utilised Salesforce CRM for customer data review, risk classification, and due diligence documentation
• Increased daily caseload from 5 to 9 cases; improved efficiency from 70% to 95% — recognised with a performance certificate for exceeding productivity targets

Finance & Compliance Intern at Agarwal Brothers Laboratory Equipment & Suppliers (2023-07 – 2024-07)

• Managed accounting operations using Tally ERP and assisted with GST return filing and financial reporting

M.Com in Business Administration – Rajasthan University (2023 – 2025)

B.Com – Rajasthan University (2020 – 2023)