Nikhil Sharma

Driven AML/KYC professional with 10+ years of experience in customer onboarding, Enhanced Due Diligence (EDD), Customer Due Diligence (CDD), transaction monitoring, and risk assessment. Proven expertise in regulatory compliance, fraud detection, and managing high-risk clients within fintech and banking environments. Strong track record in team leadership, process improvement, and maintaining high SLA and quality standards.

Business Analyst at Genpact India Private Limited (2024-10 – Present)

• Perform Enhanced Due Diligence (EDD) on high-risk clients, including source of funds and UBO verification.
• Conduct financial crime risk assessments and ensure AML compliance.
• Collaborate with MLROs and compliance teams to improve due diligence processes.
• Respond to regulatory and internal audit requests with accuracy and timeliness.
• Maintain detailed research documentation and client risk profiles.

Senior Associate at ONE97Communication (Paytm) (2017-11 – 2024-09)

• Lead a team of 15 members, improving productivity and SLA adherence by ~20%.
• Managed merchant onboarding, KYC verification, and limit enhancement processes.
• Conducted CDD/EDD in line with RBI regulations and compliance standards.
• Designed and maintained quality and productivity dashboards.
• Reduced onboarding turnaround time (TAT) through process optimization.
• Handled client escalations and audit requirements effectively.
• Identified process gaps and implemented SOP improvements.

Associate at Tech Mahindra (2015-07 – 2017-08)

• Managed customer queries related to order delivery, returns, and complaints.
• Maintained accurate CRM records and ensured customer satisfaction.
• Resolved service issues by identifying root causes and implementing solutions.
• Collaborated with cross-functional teams to improve service quality.

PGDM in Operations & Marketing – IMT Ghaziabad (2017)

B. Com – Delhi University (2014)