Mohit Gehani8101996

KYC/AML Specialist with experience in financial crime risk management, regulatory compliance, and customer due diligence within global banking and fintech environments. Skilled in transaction monitoring, fraud detection, sanctions screening, and end-to-end client onboarding. Proven ability to identify and mitigate financial crime risks, including money laundering, terrorist financing, and tax evasion.

Experienced in conducting Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and periodic reviews, with a strong focus on high-risk client assessment. Proficient in drafting Suspicious Activity Reports (SAR/STR) and performing quality control reviews to ensure regulatory adherence and data accuracy. Demonstrates strong analytical capability, attention to detail, and a risk-based approach to compliance.

KYC Operations Specialist - Rippling - Bengaluru, India

(2025-09 - 2026-04)

• Reviewed and analyzed high-risk client profiles to ensure alignment with regulatory requirements and internal compliance standards. Prepared detailed due diligence summaries and escalated material risks and compliance concerns to relevant stakeholders
• Leveraged machine learning-driven insights to identify anomalies in client behaviour, ownership structures, and transactional patterns
• Conducted Enhanced Due Diligence (EDD) on complex corporate entities, including Ultimate Beneficial Owner (UBO) identification and verification of Source of Funds (SOF) and Source of Wealth (SOW)
• Performed corporate card transaction reviews and identified fraud typologies, including unauthorized debits, account takeover, ACH kiting, and fraudulent payments
• Conducted audit reviews to detect and mitigate risks related to phishing, insider threats, business email compromise (BEC), and identity fraud. Supported implementation of multi-layered identity verification controls to prevent unauthorized transactions and strengthen fraud prevention frameworks
• Performed Quality Control (QC) reviews and maintained audit-ready KYC documentation, achieving 99% compliance in internal and external audits

Associate Compliance and Control Representative I (Global Financial Crime Compliance) - Bank of New York Mellon (BNY) - Pune, India

(2023-05 - 2025-09)

• Performed transaction monitoring to identify and investigate suspicious activities, including low-priced securities (LPS), wash trades, structuring, and round-dollar transactions
• Investigated complex cases involving cross-border payments and entities operating in high-risk jurisdictions
• Conducted detailed due diligence to identify money laundering typologies, including layering, placement, and the use of intermediaries to obscure the source of funds
• Collaborated with cross-functional teams to strengthen financial crime detection frameworks and enhance compliance processes
• Identified $15 billion annually, in potential money laundering activities
• Drafted 65+ Suspicious Activity Reports (SARs) per quarter, ensuring accuracy, completeness, and adherence to regulatory timelines

Intermediate Representative – Anti-Money Laundering (KYC Utilities) - Bank of New York Mellon (BNY) - Pune, India

(2023-05 - 2025-09)

• Conducted in-depth transaction activity reviews for correspondent banking clients within Treasury Services, ensuring alignment with expected business activity and declared turnover
• Identified transactional deviations and escalated unusual activity by raising Requests for Information (RFIs) to account owners, including cases involving undisclosed nested financial institutions
• Enhanced sanctions screening processes by refining name-matching logic and leveraging adverse media analysis, resulting in a 15% reduction in false positives
• Prepared due diligence summaries highlighting Politically Exposed Person (PEP) exposure and reputational risks, supporting senior management decision-making
• Contributed to key compliance initiatives, including KYC periodic remediation, name screening, and preparation of comprehensive risk narratives for MLRO review

Risk and Compliance Analyst - IBM India - Pune, India

(2021-09 - 2023-05)

• Performed Customer Identification Program (CIP), Customer Due Diligence (CDD), Standard Due Diligence (SDD), and Enhanced Due Diligence (EDD) for medium and high-risk clients, validating business activities through reliable public domain sources
• Identified and assessed financial crime risks, including potential money laundering and terrorist financing, and provided actionable insights to strengthen the organization's risk management framework
• Contributed to enhancements in the transaction monitoring framework by improving Source of Funds (SOF) and Source of Wealth (SOW) analysis for high-net-worth individuals (HNI)
• Collaborated with Quality Control (QC) teams to identify documentation gaps and root causes of errors in KYC files, and implemented corrective actions
• Improved overall file accuracy by 12% and reduced rework time by 25% through process improvements and quality standardization

Bachelor of Commerce - B.Com - Savitribai Phule Pune University (2014 - 2018)

Post Graduate Diploma - Import & Export Management - Symbiosis Centre for Distance Learning (SCDL) (2018 - 2020)