Sharmili Vinayagamoorthy

Banking professional with 3+ years of experience in Payments Operations, Account Opening, KYC/CDD review, SWIFT messaging, and ISO 20022 payment processing at NatWest Group. Skilled in compliance-driven banking operations with exposure to AML and sanctions-related processes, ensuring accuracy, SLA adherence, and risk awareness. Strong analytical, problem-solving, and stakeholder management abilities with proven success in handling high-volume transactions efficiently.

Customer Service & Operations Analyst - NatWest Group

(2022-08)

• Proficient in end-to-end account opening processes for both Savings and Current Accounts.
• Conducted KYC/CDD reviews and compliance checks to ensure adherence to AML and regulatory requirements.
• Awareness of AML and sanctions compliance frameworks
• Successfully managed high-volume account opening campaigns while maintaining SLA adherence.
• Handled case referrals, compliance queries, and escalation support while ensuring timely resolution within SLA timelines.
• Consistently achieved performance targets with 100% quality scores and strong process knowledge.
• Performed customer risk assessment and supported sanctions-related verification processes for account onboarding.
• Played a pivotal role in the wind-down process of Bank by managing critical payment operations.
• Managed end-to-end processing of electronic inward payments, manual outward payments, SEPA, and electronic outward payments.
• Served as SME for Electronic Inward Payments, ensuring accuracy and adherence to protocols.
• Possess strong expertise in SWIFT message types including MT103, MT202, MT202 COV, and MT910.
• Monitored payment transactions for accuracy, compliance adherence, and potential financial crime risks.
• Supported AML and transaction monitoring activities by identifying unusual payment patterns and escalating suspicious cases when required.
• Supported business continuity during peak volumes, contributing to uninterrupted BAU operations.

Master of Business Administration - Finance - Loyola College - Pondicherry University (2023 - 2025)

Bachelor of Commerce (Honours) - Women's Christian College (2019 - 2022)

Higher Secondary - Anna Adarsh Matriculation Higher Secondary School (2018 - 2019)