Karthik Gowda

Experienced KYC and AML professional with 3.10 years in sanction screening, due diligence, and regulatory compliance. Skilled in tools like, Worldcheck ID and LexisNexis. Proven ability to ensure quality, train new associates, and identify process improvements while adhering to global standards such as OFAC, UNSC, FATF, and UK regulations.

SR ASSOCIATE - GENPACT - BANGALORE

(2022-05)

• Conducted end-to-end monitoring of financial transactions to detect unusual, suspicious, or potentially fraudulent activities.
• Reviewed alerts generated by monitoring systems (e.g, Actimize, Mantas, or equivalent tools) and escalated cases as per AML policies.
• Performed detailed analysis of customer profiles, transaction patterns, and source of funds to identify potential Money Laundering or Terrorist Financing risks.
• Investigated and documented findings with proper audit trails in line with regulatory requirements (FATF, OFAC, EU, RBI, etc.).
• Applied KYC/CDD/EDD principles while reviewing alerts for high-risk customers and transactions.
• Collaborated with Compliance and Level 2 teams to resolve escalations and ensure timely filing of STRs/SARs.
• Ensured adherence to internal policies, procedures, and regulatory guidelines to mitigate financial crime risks.
• Assisted in fine-tuning transaction monitoring rules/scenarios to reduce false positives and improve detection efficiency.
• Maintained confidentiality and data security while handling sensitive client information.
• Supported training and knowledge-sharing within the team to strengthen compliance awareness.
• Managing the volume of alerts and investigations & escalating red flag matters to MLRO. Raising RFI of needed.
• Staying up-to-date on regulatory changes and industry trends to maintain compliance standards End to end review investigation will be assessed for the customers to identify any unusual activity conducted in the account.
• SAR submissions/filing. creating the narrative for the SAR/STR.
• Reviewed and validated vendor quotations to ensure pricing accuracy and compliance with company policies.
• Conducted quotation comparison analysis to identify cost-effective vendors and support procurement decisions.
• Assisted in purchase order processing and maintained procurement documentation.
• Coordinated with vendors and internal stakeholders to ensure timely procurement and delivery of goods/services.

Bachelor of Commerce - Finance and Marketing - Alliance University (2019)

Master of Business Administration - Finance and Marketing - Alliance University (2021)