Nidish R

Results-driven FinCrime Analyst with 5+ years of experience in AML/CTF investigations, transaction monitoring, enhanced due diligence, suspicious activity review, and risk-based decision-making across banking and fintech environments. Strong expertise in identifying financial crime typologies including structuring, layering, mule activity, unusual cross-border flows, and source of funds discrepancies. Experienced in drafting unusual activity reports.

SAR escalation support, SAR Drafting and Filing, P2P Layering.

Transaction Monitoring Executive | AML & FIU Investigation at Primasoft Technologies EST (2023-10 – 2025-10)

• Conduct financial crime investigations on suspicious transaction alerts, high-risk customer activity, structuring patterns, layering behaviour, and unusual cross-border fund flows.
• Review unusual transaction patterns to identify potential money laundering, fraud, and suspicious activity indicators.
• Perform CDD / EDD, PEP screening, sanctions screening, and customer risk classification.
• Investigate complex alerts and escalate cases for internal SAR / STR review where grounds for suspicion exist.
• Conduct KYB and merchant onboarding investigations, including ownership and beneficial ownership verification.
• Use Excel filters, pivot tables, transaction trend analysis, OSINT research, adverse media screening, and network chart reviews for case investigations and risk assessments.
• Support complaint resolution, chargeback investigations, and risk escalation.
• Collaborate with compliance, fraud, and operations teams to strengthen AML controls.

Transaction Monitoring Executive at Swipewire Technologies Private Limited (2023-07 – 2023-10)

• Supported transaction monitoring investigations for suspicious and high-risk transactions.
• Assisted in alert review, fraud escalation, and case documentation.
• Conducted customer due diligence checks with high accuracy.

Transaction Monitoring Analyst at Federal Operations and Services Pvt. Ltd. (2023-04 – 2023-06)

• Monitored debit and credit card transactions for fraud and suspicious activity.
• Investigated alerts using PRM, ACCOSA, EMS, and VRM tools.
• Identified suspicious customer behavior, structuring patterns, and risk indicators.
• Escalated suspicious cases for AML review and reporting.

Transaction Monitoring Analyst at Vcare Consultancies (2020-03 – 2023-03)

• Performed ongoing transaction monitoring and alert investigations for banking operations.
• Conducted fraud investigations and suspicious transaction reviews.
• Supported CDD / EDD, sanctions screening, and PEP reviews.
• Prepared case notes and evidence for compliance escalation.

Account Assistant at Aarya Auto Repairs LLC (2018-01 – 2018-06)

Office Assistant at Nisa Security Services (2017-06 – 2018-01)

Process Executive at Outsourcing Partners International Pvt. Ltd. (2015-10 – 2016-01)

MBA in Finance – Mahatma Gandhi University (2014 – 2015)

Bachelor of Commerce – Mahatma Gandhi University (2011 – 2013)