Sam 01

Certified KYC & AML professional with 2 years and 4 months practical experience in banking and fintech compliance, risk review, and customer due diligence. Skilled in applying risk-based controls, performing EDD for highrisk clients, and ensuring RBI and FATF-compliant KYC standards. Known for accuracy, strong ethical conduct, and consistent audit-ready performance.

Junior KYC Analyst, CS Operations - RAZORPAY PVT LTD

(2026-03)

• Managed end-to-end merchant onboarding on Razorpay's platform, including account activation, document verification, and issuance of API keys for website-integrated businesses.
• Conducted Enhanced Due Diligence (EDD) on high-risk and complex merchant profiles, assessing business legitimacy, ownership structure, and transaction patterns in line with RBI guidelines.
• Performed Re-KYC for existing merchants to ensure continued compliance with updated regulatory requirements and internal policy standards.
• Executed comprehensive risk checks on merchant accounts, identifying red flags such as unusual business models, high chargeback potential, and watchlist matches, and escalating cases as required.
• Carried out banking partner verification to validate merchant settlement accounts, ensuring accurate fund routing and reducing financial risk.
• Operated within a dual-control maker-checker framework as checker, reviewing and approving maker submissions for accuracy, completeness, and policy compliance before final processing.
• Applied working knowledge of RBI's Payment Aggregator (PA) and Payment Gateway (PG) guidelines, KYC/AML/CFT norms, and data localisation requirements in daily operations.
• Conducted AML screening and sanction/watchlist checks on merchants during onboarding and periodic reviews, supporting the organisation's compliance and fraud prevention objectives.
• Collaborated cross-functionally with risk, compliance, and banking teams to resolve merchant queries, expedite onboarding, and ensure regulatory adherence.
• Maintained accurate records of onboarding decisions, due diligence findings, and risk assessments in internal CRM and compliance systems.

KYC Analyst - ICICI BANK

(2023-07 - 2026-03)

• Execute end-to-end KYC lifecycle reviews ensuring full compliance with global AML regulations and internal standards.
• Perform client onboarding due diligence to prevent financial crime risk exposure.
• Identify and escalate high-risk client cases requiring compliance approval before onboarding.
• Conduct comprehensive client due diligence (CDD) at onboarding, periodic refresh, and event driven reviews.
• Conduct onboarding interviews for high-net-worth individuals (HNWI) and institutional clients to validate source of wealth (SoW).
• Validate client identity using reliable and independent source documents, data, and information.
• Ensure KYC remediation projects meet strict regulatory deadlines without compromising accuracy.
• Apply a risk-based approach (RBA) in client screening and monitoring for efficient AML controls.
• Align onboarding procedures with FATCA, CRS, and tax compliance requirements.
• Ensure onboarding timelines meet service-level agreements (SLAs) while maintaining compliance.
• Drive efficiency in onboarding turnaround time (TAT) without compromising risk controls.

MBA - Eastern Institute of Integrated Learning Management (EIILM) (2021 - 2023)

B.COM - Vivekananda College (2017 - 2020)