Saicharan Yenumula

Resourceful and detail-oriented Associate Analyst with 6+ years of experience in AML, KYC, and FinCrime compliance within international money remittance and financial services environments. Expert in conducting holistic reviews of sanctions and AML alerts, performing risk-based due diligence, and monitoring complex transactional activities to mitigate financial crime risks. Adept at leveraging industry best practices and regulatory frameworks to support secure, sustainable financial ecosystems.

Legal & Compliance – Senior Associate - Terra Pay Solutions India Private Limited.

(2025-09)

• Analysed user behaviour and fund flow patterns across regions to detect anomalies and potential financial crime risks.
• Monitored cross-border transactions to identify suspicious activity, ensuring adherence to AML and regulatory standards.
• Filed Suspicious Transaction Reports (STRs) in line with jurisdictional compliance requirements, contributing to proactive risk mitigation.
• Raised Requests for Information (RFIs) to partner banks based on flagged activity, facilitating deeper investigation and regulatory collaboration.
• Executed customer blocking procedures for high-risk profiles, following internal escalation protocols and securing higher management approvals.
• Assessed case scenarios and approved team allocations, ensuring efficient workload distribution and timely resolution of compliance alerts.
• Supported team oversight by reviewing case quality, escalation thresholds, and approval matrices across varied risk typologies.
• Maintained detailed documentation of investigations, RFIs, and STR filings to support audit readiness and regulatory inquiries.
• Contributed to continuous improvement of compliance workflows by identifying gaps, sharing feedback, and aligning with evolving risk trends.

Subject Matter Expert – AML, KYC & FinCrime Key - Cognizant Technology Solutions India Pvt. Ltd.

(2024-01 - 2025-05)

• Handled 15-member team while maintaining individual contributor responsibilities, ensuring alignment with daily SLAs and operational goals.
• Acted as a trainer for all team members, delivering structured onboarding and ongoing guidance to improve functional knowledge and compliance skills.
• Monitored and maintained high quality standards through consistent feedback, performance audits, and one-on-one coaching.
• Conducted SOD and EOD syncs with onshore stakeholders to streamline workflows and maintain transparency.
• Held regular team meetings to review case progress, share updates, and resolve blockers collaboratively.
• Oversaw identification and resolution of disputed transfers raised by banks on behalf of customers.
• Provided hands-on support for complex queries and ensured thorough documentation and knowledgesharing.
• Led feedback sessions to address errors and support continuous improvement among associates.
• Compiled daily operational reports and developed ad hoc reporting dashboards based on client requirements.
• Created and presented process updates and performance trends using engaging PowerPoint presentations to support team communication and onshore reporting.
• Conducted root cause analysis and used insights to drive operational enhancements.

Sr. Representative – AML, KYC & FinCrime - Concentrix Daksh Services Pvt Ltd.

(2022-05 - 2024-01)

• As a diligent Fincrime Analyst at Revolut, my primary focus revolved around SAR editing, employing a Risk-Based Approach (RBI) to assess and address potential risks associated with customer accounts. By collaboratively working with KYC, TM, EE, and CySy teams, I conducted comprehensive investigations to ensure the safeguarding of customers' financial assets held under Revolut's purview.
• To mitigate risks and uphold Revolut's financial well-being and reputation, I actively engaged with NCA, CH, and FNTT entities, promptly reporting fraudsters and high-risk customers. This proactive approach was essential in minimizing potential threats and ensuring a confident customer base that chooses Revolut as their preferred online banking app for all their financial management needs.
• In the course of my responsibilities, I proficiently utilized tools like Jira, Zendesk, and Meta base to analyze customer spending behaviours and accurately assess the risks they posed to Revolut. By efficiently identifying red flags and supporting suspicious activity reports (SARs), I contributed to the organization's enhanced risk appetite and reputation as a trusted financial institution.
• Within the dynamic financial landscape, I adeptly handled fast-moving money scenarios, such as topups followed by external transfers or ATM withdrawals. Additionally, I efficiently managed various workflows, including AML, Retail, and TM flows, ensuring optimal coverage based on volume and prioritizing End-to-End AML cases upon receiving them from AML once the EDD (Enhanced Due Diligence) was triggered. Through these strategic measures, I played a crucial role in maintaining the security and com

Process Associate – AML, KYC & FinCrime - TATA Consultancy Services

(2018-08 - 2022-02)

• Identifying and verifying Customer information comparing the same with documents provided as per client requirements.
• Perform KYC checks with AML guidelines with and comply to the standards of Fidelity Investments.
• Performing quality checks for the cases reviewed in BMM.
• Perform CDD/EDD checks.
• Review the customer’s existing details to find if any data needs to be updated.
• Lookout for Sanctioned Customers, Countries and Activities
• Check all the major red flags, such as Inconsistent Address, Money service business.
• Compare the Sanctioned customer history with regulations of OFAC, HMT, EU, UN.
• Risk categorization of the customer based on the product used and occupation.
• Conducting CDD on PEP clients.
• Obtaining CDD of the clients from Relationship Managers for remediation
• Obtaining documentary evidence for suspicious transactions and approving the transactions
• Periodic review of KYC documents and conduct CDD reviews on a regular basis
• Periodic review of changes made in Company, Management, business and board members of the corporate clients
• Monitoring the annual KYC and CDD of all clients
• Internet search for obtaining the details of Company
• Adhering to OFAC Sanctions CFT (Combating Financing the Terrorism) and other compliance

B.com - computers - Siddhartha Degree College, Tuni (2014 - 2017)

12th - MPC - Siddhartha Junior College, Tuni (2012 - 2014)

High School - Loyola English Medium High School, Tuni (2012 - 2012)