AML Monitoring & Screening Control Support Analyst (AFC) at Deutsche Bank (2025-03 – Present)
- Execute and maintain AFC procedures and controls, ensuring strict adherence to regulatory requirements and industry best practices across the APAC region.
- Reviewed high volumes of transaction monitoring (TM) alerts across APAC, identifying potential money laundering (ML) risks using a risk-based approach.
- Proactively identify and process PEP and Sanctions hits through Name List Screening (NLS) and World-Check (WC) to effectively mitigate financial crime risks.
- Operate and optimize transaction monitoring processes to detect suspicious activities, applying evolving AML typologies to determine risk levels.
- Evaluate alert generation data, identify anomalies, and escalate issues to concerned parties, supporting cross-functional resolution teams.
- Contributed to transaction monitoring frameworks, improving detection of unusual transaction behaviour.
- Collaborated in audit support activities — internal/external audits and regulatory inspections — ensuring adherence to compliance standards.
- Investigated high-risk and complex cases involving multiple accounts, geographies, and products, applying advanced AML typologies and risk-based judgment.
- Implemented risk-based prioritization strategies to improve alert handling efficiency and reduce backlog.
Sr. Associate – Risk and Compliance at IBM (2024-06 – 2025-02)
- Performed L1 compliance alert reviews, conducting transaction monitoring analysis and Enhanced Due Diligence (EDD) for both individual and corporate clients; raised Request for Information (RFI) where required.
- Prepared risk-based reports on identified suspicious transactions for client accounts across the USA (Georgia, North & South Carolina, Texas, and Alabama).
- Investigated a wide range of suspicious transaction patterns including TITO, CITO, TICO, structuring (deposits and withdrawals), international transactions (ACH, wires, POS, ATM), and virtual currency activity involving Coinbase, Gemini Trust, and Binance.
- Responsible for escalating accounts to the Financial Intelligence Unit (FIU) based on strong structuring events, rapid movement of funds, inappropriate or non-responsive RFIs, and other suspicious activity indicators.
- Monitored customer transactions including historical cursory review and pattern observation for both individual and corporate accounts.
- Prepared detailed account behaviour summaries covering transaction history, RFI response behaviour, and account activity analysis to support investigation conclusions.
- Took decisive account-level actions — acknowledging, raising RFIs, or escalating — based on thorough analysis and documented conclusions.
- Conducted CDD on individual and business customers, verifying occupation, line of business, source of income, and client records against internal bank data.
Sr. Representative Operations at Concentrix (2023-06 – 2024-06)
- Monitored high-risk transactions and customer activities to identify suspicious patterns, unusual behaviour, and potential fraud risks across banking/payment products.
- Conducted transaction monitoring investigations involving account activity reviews, source of funds checks, customer profiling, and escalation of suspicious cases.
- Conducted AML and Sanctions Screening and negative news searches using Lexis Diligence, World-Check, and Forces Checks; proactively flagged PEP and high-risk entities.
- Calculated Financial Crime Risk Ratings (Low/Medium/High) based on nature of business, country of incorporation, primary operations, and product type.
- Reviewed account behaviour, transaction history, and supporting documentation to support fraud investigations and risk-based decision making.
- Identified potential account takeover (ATO), payment fraud, and suspicious fund movement patterns and escalated cases as per compliance procedures.
- Collaborated with KYC and Operations teams to improve monitoring effectiveness and support timely resolution of high-risk alerts.
Fraud Analyst at Alorica (2023-02 – 2023-05)
- Monitored credit card fraud alerts daily and took necessary action to protect customers and the bank across all payment channels.
- Identified fraud patterns through monitoring of high-risk countries and merchants, escalating findings to relevant teams.
- Coordinated with internal fraud and customer support teams to block compromised cards/accounts and minimize potential financial losses.
Fraud Analyst at Cognizant (2021-05 – 2022-09)
- Experienced in fraud prevention and detection across payments, payroll, bill pay, and card transactions.
- Analysed transaction patterns to detect various fraudulent activities including structuring, phishing, identity theft, and impersonation.
- Strong understanding of payment risks, account takeover (ATO), transaction fraud.
- Knowledge of ACH transfers, bank transfer monitoring, wallet transactions, and corporate card fraud risks.
- Strong analytical and data interpretation skills with the ability to make risk-based fraud prevention decisions.
- Familiar with fraud monitoring tools, risk assessment processes, and compliance-driven investigations.
