Hritika Gaikwad

Detail-oriented Final-Year B.Com Student (Expected June 2026) specialising in AML/KYC compliance, customer due diligence (CDD), transaction monitoring, and financial risk assessment. Hands-on project experience building a full KYC/AML compliance framework in Microsoft Excel, covering 75 customer profiles, 150 transactions, and 8 SAR/STR filings aligned with PMLA 2002, RBI KYC Master Directions 2016, FATF 40 Recommendations, and FIU-IND guidelines. Proficient in MS Excel data analysis with strong attention to regulatory detail and compliance reporting.

KYC/AML Analyst at Project-Based

Built a comprehensive KYC/AML compliance framework in Excel simulating real-world banking operations, covering 75 customer profiles across multiple risk segments aligned with RBI KYC Master Directions 2016 and PMLA 2002.

• Designed a weighted risk scoring model (0–100) using PEP status, occupation, annual income, source of funds, ID verification, and country risk — classifying customers into Low, Medium, High, and Very High risk tiers.
• Monitored 150 transactions across 8 transaction types (Cash Deposit, RTGS, NEFT, Wire Transfer, IMPS, etc.), applying rule-based AML logic to detect CTRs, STRs, velocity alerts, income mismatches, and cross-border red flags.
• Flagged 26 suspicious transactions (17.3% alert rate); filed 8 SARs/STRs to FIU-IND within the mandatory 72-hour reporting window, maintaining a full audit trail of CDD decisions and regulatory actions.
• Identified cross-border exposure in 11 transactions involving FATF grey-list jurisdictions (UAE, Singapore, Mauritius, BVI) and initiated Enhanced Due Diligence for 9 high-risk and Very High-risk customers.
• Built a live Compliance Dashboard tracking 6 KPIs (Approval Rate, Alert Rate, SAR Rate, Risk Distribution, PEP Exposure, CTR Rate) using 55+ cross-sheet Excel formulas including COUNTIF, VLOOKUP, SUMIFS, and Pivot Tables.

Bachelor of Commerce in Commerce & Finance – Amity University (2026-06)