Senior AML Operations Analyst at ANZ SUPPORT SERVICES INDIA PVT LTD (2019-05 – 2026-03)
- Performing detailed investigation on customer profiles and account activities and detecting possible money laundering patterns, terrorism financing activities during investigation and ensuring compliance with internal policies and external regulations.
- Filed Suspicious Matter Reports to regulators on noted irregular trends, ensuring timely compliance with regulatory requirements.
- Monitored adverse news, legal notices, suspicious activity reports, sanctions, child exploitation concerns, and trade-based money laundering.
- Monitored KYC compliance for customers exhibiting unusual behavioral activities, identifying potential risks and initiating further investigation.
- Trained junior analysts on money laundering awareness, presented findings to senior management, influencing policy changes that enhanced compliance framework.
- Achieved regulatory compliance, avoiding costly penalties.
- Analyzed operational data to identify trends and improve process efficiency.
- Collaborated with cross-functional teams to enhance service delivery protocols.
Senior Officer, Trade Operations at ANZ SUPPORT SERVICES INDIA PVT LTD (2009-03 – 2019-05)
- Reviewed LC export and import documents for compliance with standards on the basis of UCP 600, ISBP 745 and Incoterms 2010.
- Ensured 100 Pct TAT and SLA are met. Escalated relevant cases to Sanctions team to adhere Compliance standards.
- Facilitated communication with front offices for transaction efficiency across ANZ Globe to ensure quick and smooth flow of transactions.
- Created Customer Insight Reports for Relationship Managers and Sales Managers to inform strategies related to the Bank's customers. These reports provide a view of product usage and transactions over a period of time. Products include Export and Import LCs, Export and Import Collections, Trade Loans and Guarantees. From a customer's perspective it summarizes top buyers, suppliers, payment cycle times, limit utilization, clean presentations, valid refusals, confirmations, financing arrangements etc.
- Provided Discrepancy Analysis Reports detailing trends in Export LCs, identifying unnecessary discrepancies to enhance clients' document compliance during initial presentations.
- Served as single point of contact for discrepancy analysis, proactively approaching RMs and sales, having conversations on customer's relationship with the bank and providing suggestions.
- Proposed and implemented automation for loading discrepancies from processing application to SharePoint, streamlining discrepancy analysis and reducing effort by 0.5 FTE.
- Contacted LC issuing banks to inquire about payment statuses around the Globe over the status of aged export bills for payment, acceptance and other queries. Implemented innovative solutions, enhancing client satisfaction by 25%.
- Led operational workflows to enhance efficiency and reduce processing times.
- Developed training programs for new staff, fostering skill development and knowledge retention.
- Implemented process improvements that streamlined service delivery and increased client satisfaction.
On deputation, Payments and Cash Operations - Singapore Payments at ANZ SUPPORT SERVICES INDIA PVT LTD (2010-11 – 2011-04)
- Managed team of eight, allocated work, monitored SLA payments, and achieved 100% TAT
- Handling the mailbox for work requests and customers' queries.
- Recorded and sent daily transaction reports to management, enhancing visibility of operations.
- Achieved a 30% reduction in transaction processing time through optimization.
- Managed high-value and SG currency transactions, ensuring compliance and security.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
Analyst, Payments and Cash Operations – Value Services at ANZ SUPPORT SERVICES INDIA PVT LTD (2007-06 – 2009-02)
- Authorized payments outside ANZ via ANZ Online (Direct Payments) with limit of AUD 80 million, ensuring compliance and security.
- Undertook the responsibility of updating the Procedural Documents for all the Processes within the team for the Internal Audit in 2008 and completed successfully.
- Processed value-centric requests including term deposits, periodical payments, online postings, and account closures, maintaining high accuracy.
- Recalculation of Interest for Customers manually in case of Input errors.
- Reconciled suspense accounts, GL accounts, and manager accounts daily to ensure financial integrity and accuracy. Training other team members in all the processes.
- Governing of all the queues for SLA as a backup for Team Lead.
- Analyzed data trends to identify operational inefficiencies and recommend process improvements.
- Developed comprehensive reports to support strategic decision-making and enhance stakeholder communication.
- Collaborated with cross-functional teams to streamline workflows and optimize resource allocation.
Assistant QA officer, Quality Control - Instrumental Analysis Lab at Gharda Chemicals Ltd (2006-06 – 2007-06)
- Sampled raw materials and finished products to ensure representative characteristics of bulk materials.
- Analyzed samples, raw materials, and finished products to determine purity percentages and content accuracy.
- Calibration: To ensure the analysis done is accurate. Maintained compliance with quality standards in instrumental analysis.
- Trained junior staff on QA protocols, improving team performance.
- Developed and implemented quality control procedures to ensure product compliance with industry standards.
- Conducted regular audits and inspections to identify non-conformance issues and drive corrective actions.
- Collaborated with production teams to enhance processes, improving overall quality and efficiency.
