Murali krishna Jinka

AML/KYC Analyst with 4+ years of experience seeking to contribute to Financial Crime Compliance through expertise in CDD/EDD, Transaction Monitoring, PEP Screening, and KYC Onboarding ensuring regulatory compliance and effective risk mitigation. Each day, I strive to learn, grow, and improve myself. I intend to be associated with an organization that not only nurtures my skills but pushes me to further improve them while offering room for career advancement.

Senior Process Executive - COGNIZANT TECHNOLOGY SOLUTIONS

(2025-06)

• Conducted end-to-end transaction monitoring investigations by reviewing alerts triggered for scenarios such as large reportable transactions, rapid movement of funds, structuring below reporting thresholds, unusual cash activity, and deviations from customers' historical transaction patterns.
• Deliver accurate KYC/CDD (EDD) files within KPIs and SLAs, ensuring full compliance with Financial Crime Compliance standards and data integrity. Reviewed customer transactions for AUP (Acceptable Use Policy) violations, identifying unusual or potentially suspicious patterns and escalating cases aligned with Transaction Monitoring guidelines.
• Review and refine workflows, SOPs, and documentation to drive continuous improvement and operational efficiency. Maintain complete and compliant customer onboarding records across systems, ensuring audit readiness at all times.
• Ensured compliance with AML/KYC regulations, including FATF, OFAC, and internal TM policies, by accurately identifying and reporting high-risk entities and anomalies.
• Escalated cases for further review or recommended SAR/STR filing when customer responses were insufficient, documentation was invalid, or transactional activity remained inconsistent with the customer profile. Support training initiatives, staff learning completion, and knowledge-sharing activities to enhance team capability and compliance awareness.
• Used AML tools and databases (World-Check, Dow Jones, LexisNexis, etc.) to analyze and track customer profiles, including transactional triggers, adverse media, and sanctions exposure.
• Conducted periodic and ongoing monitoring to identify changes in PEP status, unusual transaction behavior, or adverse media that could impact the customer's risk rating or trigger TM alerts.

Asst Manager - ICICI Bank LTD

(2022-04 - 2025-06)

• Performed CDD and Enhanced Due Diligence (EDD) for retail and corporate clients, aligned with global AML standards. Conducted customer risk profiling, identifying PEPs and high-risk entities. Supported Transaction Monitoring investigations, identifying unusual patterns and escalating potential suspicious cases.
• Conducted comprehensive searches for adverse news using various sources such as news articles, regulatory alerts, and open-source intelligence to identify potential risks related to clients, counterparties, and transactions.
• Conducted Customer Due Diligence (CDD) by verifying customer identity, source of funds, business activities, ownership structure, and beneficial ownership information.
• Reviewed customer onboarding documents such as passports, national IDs, incorporation certificates, tax documents, bank statements, utility bills, and proof of address documents to ensure completeness and authenticity.
• Maintained accurate records of KYC activities, findings, and decisions in accordance with established procedures and guidelines. Performed routine clerical operations tasks with a strong emphasis on precision and efficiency.
• Utilized applications including LexisNexis and Reflection Workspace to execute AML, KYC, and document verification processes.

Bachelor of Science - S.V University (2021)

Intermediate - M E C - TNJC (2018)

SSC - ZPHS (2016)