Pamuru Moulinath

Results-oriented KYC/AML professional with over 13.8 years of experience in compliance and regulatory processes within leading financial institutions. Proven track record in leading and mentoring teams to execute KYC onboarding, periodic reviews, and remediation while managing High-Risk and EDD cases across APAC jurisdictions. Skilled in designing training programs, implementing quality governance, conducting complex entity reviews, and collaborating with Compliance and Front Office stakeholders.

Adept at leveraging tools such as LexisNexis and World-Check to deliver robust due diligence and drive process improvements.

Assistant Manager at BNP Paribas (2022-12 – Present)

• Led a team of 10 FTEs to deliver end-to-end KYC onboarding and periodic reviews for Corporate & Institutional Banking clients.
• Enhanced team productivity by implementing structured quality checkpoints and weekly governance dashboards.
• Acted as the escalation point for complex High-Risk and Enhanced Due Diligence (EDD) cases across APAC jurisdictions.
• Ensured compliance with global AML regulations, including FATF guidelines, local regulatory standards, and internal compliance frameworks.
• Performed Enhanced Due Diligence on High-Risk, Politically Exposed Persons (PEP), and sanction-exposed clients.
• Conducted risk-based assessments aligned with customer risk rating models and transaction behavior analytics.
• Collaborated with Compliance, Front Office, and Relationship Managers across the APAC region to resolve onboarding bottlenecks efficiently.
• Facilitated multi-location KYC governance calls to streamline cross-border client onboarding processes.
• Reduced approval turnaround times by identifying multisite process gaps and driving standardization initiatives.
• Initiated root cause analyses on recurring quality errors, achieving measurable reductions in quality control failure rates. Developed and implemented action plans to strengthen first-line controls and minimize audit findings.
• Contributed to policy updates and supported regulatory change management initiatives rollout.
• Leveraged tools including LexisNexis, SWIFT, Banker Almanac, and internal KYC systems for comprehensive client verification.
• Developed management MIS reports to monitor SLA adherence, quality scores, and backlog trends, supporting performance management.

Lead at Societe Generale (2018-06 – 2022-12)

• Led and mentored a team of 30 FTEs responsible for onboarding, periodic reviews, and remediation activities
• Conducted performance calibration sessions and developed structured coaching plans to improve analyst accuracy and productivity
• Designed and delivered comprehensive training modules on AML/KYC updates and regulatory changes to enhance team knowledge
• Executed Four-Eye reviews for high-risk and complex entity structures, ensuring thorough due diligence
• Directed KYC remediation projects to maintain compliance with evolving regulatory requirements and industry standards
• Reduced quality defects by implementing robust pre-validation control checks, improving data accuracy and compliance
• Collaborated with Compliance, QA, Relationship Managers, and Front Office teams to accelerate KYC approval processes
• Managed detailed reviews of complex legal entities including Trusts, Hedge Funds, SPVs, and multi-layered corporate structures
• Performed sanctions screening, adverse media reviews, and PEP identification to mitigate financial crime risks
• Led continuous improvement initiatives that enhanced SLA adherence and significantly reduced backlog volumes Supported User Acceptance Testing (UAT) for KYC system upgrades and workflow automation, ensuring seamless implementation
• Key roles included client outreach, team mentoring, stakeholder engagement, quality governance, regulatory implementation, and high-risk financial institution and corporate KYC reviews

Senior Analyst at JP Morgan Chase (2016-03 – 2018-06)

• End to End remediation of profiles based on KYC requirements as per the regulatory requirements and compliance for commercial banking.
• Perform checks on AML/CDD on all customer types with different all legal entity types.
• Conduct investigations on databases such as Lexis-Nexis, World Check, RDC on clients and connected parties.
• Review the account activity report (Transacion Monitoring) of the customer and flagging any suspicious activity.
• Maintain CDD at the highest level of quality to protect the Bank from regulatory risk which could result in financial and reputational damage.
• Monitor the overall functioning of KYC process, identifying improvement areas and implementing adequate measures.
• Utilizing all available tools to verify customer's purpose and legitimacy. Interacting with Relationship Managers and Customers to obtain required information.
• Perform User Acceptance Testing for KYC Applications and KYC remediation projects.
• Researched and documented evidence related to function, structure and ownership of client organizations in order to comply with global legislation and internal standards of AML.
• Tackle any escalation that arises and resolve it within the TAT.

Corporate Officer at ICICI Bank (2012-12 – 2016-03)

• Prescreen KYC documents of Corporate and LLP clients prior to record scanning to ensure accuracy and completeness.
• Analyze key KYC documents including Articles of Association (AOA), Memorandum of Association (MOA), and Board Resolutions to verify company structure reports.
• Cross-reference company information against publicly available records to confirm authenticity and consistency.
• Compile and submit detailed prescreening rejection reports to the onshore compliance team for further action.

MBA/PGDM in Finance – Jawaharlal Nehru Technological University (JNTU) (2012)