Jaweria Khan

CLM Analyst – KYC & Compliance Operations executes end-to-end KYC reviews, sanctions screening, and PEP and beneficial owner checks across multi-jurisdictional customer files. Applies the SEQ and Sixth Filter Questionnaire to identify financial crime exposure, escalate risk, and keep documentation audit-ready. Delivers 100% quality accuracy while meeting productivity targets and supporting SLA performance.

Lead its Anti-Money Laundering (AML) and Know Your Customer (KYC) operations, covering both business-as-usual (BAU) activities and periodic reviews. The role requires ensuring full compliance with regulatory standards, developing and implementing robust AML/KYC frameworks, and conducting thorough due diligence for new and existing clients, including investors and all types of entities. This professional will manage ongoing monitoring and periodic assessments to uphold the highest standards of integrity and mitigate potential risks.

Collaboration with internal teams and external stakeholders is essential to identify concerns, execute investigations, and maintain accurate records in alignment with industry best practices. Demonstrated leadership, strong analytical abilities, and a deep understanding of the evolving regulatory environment are crucial for effective performance in this position.

CLM Analyst – KYC & Compliance Operations - HSBC Data Processing India Pvt. Ltd. - Bangalore, Karnataka

(2021-02 - 2026-03)

Executed comprehensive KYC reviews for new and existing customers across multiple jurisdictions, ensuring strict adherence to HSBC's internal policies and regulatory guidelines.

• Administered Sanctions Exposure Questionnaire (SEQ) to assess customer exposure against OFAC, UN, EU, and HMT watchlist, detected sanctioned entities or high-risk individuals through thorough research.
• Applied the Sixth Filter Questionnaire to evaluate potential money laundering risks by analyzing customer transaction patterns and behavioral data, escalating suspicious activities as per MLRO guidelines.
• Conducted 360-degree screening of connected parties, beneficial owners, and PEPs using Orbis, NGTG, Bank Check and Connecto, identified financial crime exposure and associated risks.
• Ensured full adherence to AML and CTF policies set by HSBC and regulatory authorities, maintaining audit-ready documentation and implementing effective risk controls throughout the KYC lifecycle.
• Escalated KYC issues to Relationship Managers, Global Relationship Managers, and line supervisors, ensured timely resolution and maintained zero compliance breaches.
• Consistently exceeded set productivity targets while sustaining 100% quality, contributing to team SLA performance and positive internal audit outcomes quarter after quarter.
• Analyzed complex data sets to identify trends and support strategic decision-making.
• Mentored junior analysts in data interpretation and analytical methodologies.
• Collaborated with cross-functional teams to streamline operations and improve efficiency.
• Developed automated reporting tools to enhance data accuracy and reduce processing time.

KYC Analyst - HSBC Electronic Data Processing - Bengaluru, India

(2021-02 - 2026-03)

• Conducted comprehensive KYC reviews to ensure compliance with AML regulations and internal policies.
• Analyzed customer data using advanced analytical tools to identify potential risks and anomalies.
• Monitored ongoing customer transactions for suspicious activity, escalating concerns per established protocols.
• Collaborated with cross-functional teams to enhance KYC processes and improve operational efficiency.
• Led initiatives to streamline documentation procedures, reducing processing time and improving accuracy of records.
• Implemented feedback mechanisms to continuously refine KYC practices, ensuring alignment with regulatory changes.
• Developed training materials for new analysts, fostering knowledge sharing and skill development within the team.
• Conducted thorough customer due diligence to ensure compliance with regulatory requirements.
• Reviewed and analyzed KYC documentation for accuracy and completeness.
• Collaborated with cross-functional teams to resolve discrepancies in customer information.
• Implemented process improvements that enhanced efficiency in KYC operations.
• Led initiatives to streamline workflows, reducing turnaround time for customer verification.
• Administered Sanctions Exposure Questionnaire (SEQ) to assess customer exposure against OFAC, UN, EU, and HMT watchlist, detected sanctioned entities or high-risk individuals through thorough research.
• Applied the Sixth Filter Questionnaire to evaluate potential money laundering risks by analyzing customer transaction patterns and behavioral data, escalating suspicious activities as per MLRO guidelines.
• Conducted 360-degree screening of connected parties, beneficial owners, and PEPs using Orbis, NGTG, Bank Check and Connecto, identified financial crime exposure and associated risks.
• Ensured full adherence to AML and CTF policies set by HSBC and regulatory authorities, maintaining audit-ready documentation and implementing effective risk controls throughout the KYC lifecycle.
• Escalated KYC issues to Relationship Managers, Global Relationship Managers, and line supervisors, ensured timely resolution and maintained zero compliance breaches.
• Consistently exceeded set productivity targets while sustaining 100% quality, contributing to team SLA performance and positive internal audit outcomes quarter after quarter.
• Analyzed complex data sets to identify trends and support strategic decision-making.
• Mentored junior analysts in data interpretation and analytical methodologies.
• Collaborated with cross-functional teams to streamline operations and improve efficiency.
• Developed automated reporting tools to enhance data accuracy and reduce processing time.
• Developed training materials to educate staff on evolving KYC regulations and policies.
• Monitored industry trends to proactively adjust KYC strategies in alignment with compliance updates.
• Performed periodic reviews and reports on merchants to comply with rules, regulations and KYC requirements.
• Reviewed new prospect KYC documents to meet requirements and determine business model risk.
• Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
• Supported KYC processes for prospective and existing customers.
• Maintained up-to-date knowledge of industry best practices, sharing insights with colleagues to enhance organizational performance.
• Prepared high-risk reviews with results and recommendations for customer onboarding, closure and retention.
• Performed quality assurance checks on completed customer files, ensuring accuracy and completeness before submission for review or approval.
• Researched and interpreted corporate documentation to determine business and ownership structure.
• Offered internal support for audit, compliance and reporting activities.
• Identified potential risks and red flags through comprehensive customer risk assessments, mitigating potential financial losses.
• Partnered with client-facing teams to collect legal documents and associated information for regulatory and internal policies.
• Provided training to new team members on KYC procedures, resulting in increased productivity and effectiveness.
• Reduced the risk of money laundering and terrorist financing by implementing robust KYC policies and procedures.
• Developed and maintained a centralized system for managing customer information, improving overall efficiency.
• Refined tools and practices to optimize manual reviews.
• Coordinated ongoing monitoring efforts for high-risk accounts by tracking changes in customers' profiles and transaction patterns.
• Assisted in audits, leading to improved internal controls and adherence to regulatory guidelines.
• Conducted regular reviews of existing client relationships, identifying opportunities for upselling or cross-selling services while maintaining compliance standards.
• Participated in process improvement initiatives, contributing ideas that led to increased efficiency and reduced operational costs.
• Enhanced client onboarding process by streamlining KYC procedures and reducing turnaround time.
• Ensured compliance with regulatory requirements by conducting thorough customer due diligence checks.
• Collaborated with cross-functional teams to ensure alignment of KYC processes across the organization.
• Determined customer risk ratings based on analysis and research findings.
• Prevented account closures or penalties with prompt resolution of outstanding KYC issues for high-risk clients.
• Established strong working relationships with stakeholders across departments to facilitate seamless communication during client onboarding activities.
• Supported AML investigations by providing accurate and timely information on customers' financial activities.
• Managed a high volume of client data, maintaining strict confidentiality and adhering to internal policies for information handling.
• Contributed to successful external reviews, demonstrating effective implementation of KYC standards within the organization.
• Conducted thorough reviews for high risk clients based on stratified risk level guidelines.
• Provided input to company decisions for prospective suppliers.
• Consulted with compliance department to create regulatory reports.
• Interpreted evidence from multiple tools and systems to determine legitimacy of customer behavior.
• Facilitated communication with onboarding team to gather information and onboarding documentation.
• Educated staff on anti-money laundering and financial crimes to escalate concerns to senior members of PSR team.
• Assisted in the development of new KYC-related tools and systems, contributing to a more efficient and effective AML program.
• Monitored testing results on related controls from business unit compliance officers.
• Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
• Improved understanding of financial statements, which helped in assessing risk.
• Negotiated payment plans and loan terms with delinquent customers.
• Made decisions and recommendations about extending lines of credit.
• Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
• Performed credit reviews on corporations to assess financial conditions.
• Developed credit models to assist in the credit decisioning process.
• Maintained compliance with applicable regulations and laws governing consumer credit.
• Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
• Created credit policies, processes and procedures to maintain compliance with banking regulations.
• Investigated and resolved customer disputes related to credit decisions.
• Complied with internal controls and government regulations.
• Adjusted end-to-end KYC process needs to align with workforce capabilities.
• Conducted KYC formality reports on questionable accounts and transactions.

Bachelor of Science - Chemistry, Botany & Zoology - BMS College For Women (2012-01 - 2012-01)