Nikita Pawar

Results-driven AML & Cryptocurrency Investigator with 4+ years of experience conducting complex financial crime investigations, including dedicated expertise in digital asset, Bitcoin on-chain analysis, and multi-channel transaction monitoring. Proven proficiency in using blockchain analytics tools (Chainalysis Reactor, TRM Labs) to trace multi-hop transactions, analyze counterparty risk, and disposition high-volume alerts in fast-paced environments. Skilled in compiling defensible audit trails, drafting comprehensive SARs/STRs, and maintaining strict alignment with BSA/AML, OFAC, and global regulatory frameworks.

Senior Analyst – AML & Crypto Financial Crime Investigations at Anaptyss India Private Limited (2025-01 – Present)

• Blockchain & On-Chain Analysis: Conducted Level 3 (L3) investigations into complex cryptocurrency transactions, using Chainalysis Reactor and TRM Labs to trace Bitcoin flows across multiple hops and evaluate counterparty exposure.
• Alert Disposition & SAR Narrative: Investigated, dispositioned, and authored defensible, high-quality SARs/STRs for complex crypto-related red flags, including potential fraud, structuring, and sanctioned entity interactions.
• Defensible Audit Trails: Maintained meticulous compliance documentation and audit trails for all blockchain and fiat alert dispositions to meet global AML regulations.
• Process Optimization & AI Tools: Leveraged AI-enabled investigation tools to accelerate casework efficiency and refine internal investigative workflows.
• Team Leadership & QA: Mentored and conducted quality assurance reviews for L1/L2 compliance analysts on digital asset red flags, BSA/AML standards, and transaction analysis.
• Regulatory Support: Supported MLRO escalations, law enforcement inquiries, and external audits regarding high-risk digital asset accounts.

Analyst – Crypto Transaction Monitoring & Compliance at Genpact India Private Limited (2024-01 – 2025-01)

• Transaction & On-Chain Monitoring: Monitored high-volume transaction queues across international jurisdictions, identifying unusual behavioral typologies, wallet clusters, and high-risk counterparty exposure.
• Risk Alert Dispositioning: Conducted end-to-end risk-based alert investigations for crypto and fiat transactions, gathering public record data, open-source intelligence (OSINT), and KYC files.
• SAR Drafting: Compiled clear evidence, transaction maps, and detailed case narratives supporting high-priority SAR/STR escalations.
• Cross-Functional Compliance Support: Assisted with broader compliance operations including periodic customer reviews, screening queues, and data remediation projects.
• Awarded Bronze Award for performance excellence and analytical quality in transaction monitoring.

Service Delivery Associate – Operations & KYC at RBL Bank (2022-01 – 2024-01)

• KYC & EDD Executions: Executed end-to-end KYC onboarding and Enhanced Due Diligence (EDD) on high-risk individuals and entities.
• Transaction Behavioral Analysis: Evaluated transaction behavior against historical patterns and customer profiles to ensure compliance with regulatory controls and identify structuring or fraud red flags.
• Audit Preparedness: Remediated customer documentation records to maintain full compliance ahead of internal and external regulatory audits.

Master of Commerce in M.Com – MDU (2020-01)

Bachelor of Commerce in B.Com – MDU (2018-01)