Harish Joshi

Results-driven KYC/AML Operations Manager with 10+ years of experience in financial crime compliance, client onboarding, transaction monitoring, and regulatory reporting within global banking institutions. Expertise in CDD, EDD, sanctions screening, PEP checks, AML risk assessment, and audit compliance. Proven track record of managing high-performing teams (20+ FTEs), driving process automation, and ensuring 100% SLA/KPI adherence.

Strong domain knowledge in SWIFT (MT103, MT202, MT202COV), ISO 20022, Nostro accounts, and reference data governance.

Team Manager, Static Data & Financial Controls at COGNIZANT (2022-12 – 2025-12)

• Led KYC/AML operations, financial controls, and static data governance ensuring regulatory compliance
• Automated manual workflows, reducing effort by 70+ minutes per task and improving productivity
• Managed loan securitization, reconciliations, and P&L validation, ensuring financial accuracy
• Oversaw 48+ reconciliation processes, resolving exceptions and minimizing operational risk
• Directed a team of 20+ FTEs, ensuring 100% SLA adherence and KPI performance
• Collaborated with global stakeholders for audit readiness and regulatory reporting

AML Team Leader (AIS) at STATE STREET CORPORATION (2018-08 – 2021-09)

• Conducted AML periodic reviews, CDD, and EDD for high-risk institutional clients
• Performed transaction monitoring and risk assessments aligned with AML frameworks
• Executed PEP screening, sanctions screening, and adverse media checks
• Utilized World-Check and LexisNexis for enhanced due diligence investigations
• Ensured compliance with global AML regulations, FATF guidelines, and internal policies
• Supported audit reviews and regulatory reporting requirements

Team Leader, Reference Data & Client Onboarding at BANK OF AMERICA (2008-12 – 2018-08)

• Managed client onboarding, KYC verification, and lifecycle management processes
• Processed SWIFT transactions (MT103, MT202, MT202COV) ensuring accuracy and compliance
• Handled Nostro account setup, SSI maintenance, and FX/derivatives data management
• Improved data quality and reduced settlement failures through process enhancements
• Performed AML checks and risk assessments during onboarding

MBA in Finance – Symbiosis Centre for Distance Learning

Bachelor of Commerce – Vasundhra Degree College