Pranavkumar D

KYC and AML Compliance professional with 4+ years of specialized experience in enhanced due diligence, customer onboarding, and financial crime prevention in India's premier banking sector. Proven track record in conducting comprehensive risk profiling, source of wealth verification, and negative news research for high-risk customers across broker-dealer, financial institution, and international client segments. Demonstrated expertise in synthesizing information from multiple sources to make informed compliance decisions while balancing Bank Secrecy Act, USA PATRIOT Act, and self-regulatory organization requirements with sound business judgment.

Strong analytical skills combined with functional understanding of technology-driven regulatory solutions and ability to multi-task in fast-paced environments with minimal supervision.

Deputy Manager – KYC & Business Banking Operations at ICICI Bank (2021-09 – Present)

• Cut turnaround time by 25% — rebuilt end-to-end KYC onboarding workflow (CIP, EDD, SDD, periodic review) achieving the same quality standard on a leaner process without a single compliance breach.
• Sustained 99%+ audit score across 4 consecutive years by implementing a self-audit checklist that pre-empted documentation gaps before escalation.
• Zero regulatory penalties in 4+ years by proactively aligning daily operations with RBI mandates, FATF Recommendation 10, and internal AML policy updates — absorbing 4 major policy revisions with no workflow disruption.
• Identified 100% of escalations — flagged and escalated suspicious activity on high-risk HNI and corporate accounts using Finacle transaction monitoring, resulting in zero missed SAR/STR filings across the review period.
• Reduced EDD questionnaire turnaround for high-risk entities by standardising response templates, cutting back-and-forth cycles by ~40% and improving client experience scores.
• Mentored 3 junior analysts on CDD/EDD protocols and RBI documentation standards, raising team audit pass rate from 94% to 99%+ within two quarters.
• Maintained a living compliance knowledge base (policies, products, regulatory updates) adopted by 2 other business units as the internal reference standard.

PGDM in Banking & Finance – Manipal University, Bangalore (2023-01 – 2024-12)

BMS in Finance – Acharya & D.K. Marathe College, Mumbai (2018-01 – 2021-12)