Relangi Raviteja

AML/KYC Analyst with 2+ years of experience in risk-based AML operations, transaction monitoring, KYC/CDD/EDD, sanctions and PEP screening, UBO verification, adverse media review and financial crime investigations. Experienced in reviewing high-risk and escalated cases, validating analyst decisions through QA sampling, performing false-positive root-cause analysis, documenting investigative findings, and supporting transaction monitoring scenario tuning and UAT. Strong experience with Actimize, FircoSoft, World-Check, LexisNexis, SWIFT screening and Excel-based compliance reporting.

AML/KYC Analyst at Cognizant (2024-06 – 2026-06)

• Performed KYC onboarding and periodic reviews for individual, corporate and high-risk clients, applying risk-based CDD and EDD procedures.
• Conducted Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for high-risk clients including PEPs, MSBs, and clients from FATF grey-listed jurisdictions, applying risk-based investigative judgment.
• Performed in-depth UBO chain analysis for complex multi-tiered corporate structures, tracing ownership through holding companies and trusts to identify ultimate beneficial owners and control persons.
• Assessed Source of Funds (SOF) and Source of Wealth (SOW) for high-risk and high-net-worth clients, validating financial legitimacy through bank statements, asset records, and transaction history analysis.
• Conducted KYB due diligence on corporate clients, reviewing financial statements, business licenses, and industry risk classifications to determine overall compliance exposure.
• Performed transaction monitoring using Actimize, analyzing complex alert patterns including structuring, smurfing, layering, TBML indicators, and rapid movement of funds (RMF).
• Investigated high-risk and escalated cases by analyzing transaction histories, counterparty relationships, and fund flow patterns, determining appropriate disposition or SAR recommendation.
• Performed sanctions and watchlist screening using fircosoft against OFAC SDN, UN, EU, and BIS Entity List, fine-tuning fuzzy matching thresholds to optimize detection accuracy.
• Conducted PEP screening and RCA (Relatives and Close Associates) mapping using World-Check and LexisNexis, identifying indirect risk exposure linked to politically exposed individuals.
• Performed structured adverse media investigations using OSINT and Boolean search techniques to assess reputational and regulatory risk associated with clients and related parties.
• Produced Excel-based compliance MIS and dashboards covering alert trends, SAR conversion rates and SLA performance; mentored junior analysts on investigation techniques and AML requirements.
• Reviewed SWIFT messages for cross-border payment compliance, validating originator/beneficiary data against OFAC sanctions requirements.
• Drafted and finalized Suspicious Activity Report (SAR) narratives for FinCEN submission, incorporating detailed transactional evidence, behavioral red flags, and investigative findings.
• Reviewed Currency Transaction Reports (CTRs) for large cash transactions, ensuring accurate filing in compliance with BSA reporting thresholds.
• Maintained audit-ready KYC and investigation documentation, ensuring compliance with FinCEN recordkeeping standards and supporting internal and external regulatory examinations.
• Collaborated with compliance, legal, and operations teams to resolve complex AML cases and strengthen internal control frameworks.
• Conducted periodic QA reviews and case audits, validating analyst decisions, alert dispositions, and documentation quality against internal AML policy standards.
• Mentored and trained junior AML analysts on investigation techniques, regulatory requirements, and effective use of screening and monitoring tools.
• Contributed to transaction monitoring scenario tuning and UAT testing during system enhancements, documenting outcomes and supporting model validation efforts.
• Produced compliance MIS reports and dashboards using Excel, tracking alert trends, SAR conversion rates, and SLA performance for senior management review.
• Stayed current on evolving AML regulations, FinCEN advisories, and FATF guidelines, ensuring timely integration of regulatory updates into daily compliance operations.

BTech – BVCIT (2024)