Shilpa Paul

Detail-oriented AML / KYC Analyst with hands-on experience in Transaction Monitoring, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Risk Assessment, and Fraud Investigation within the financial services industry. Experienced in analyzing customer transactions, reviewing financial documents, identifying suspicious activities, and ensuring compliance with AML/KYC regulatory standards. Skilled in credit analysis, transaction investigation, SAR support activities, and financial risk assessment with the ability to process approximately 120+ cases daily with 100% accuracy.

Sr Associates - Operation And Service at Bajaj Finserv pvt Ltd (2024-06 – Present)

• Conduct detailed Transaction Monitoring reviews by analyzing customer profiles, account activities, financial transactions, and supporting documentation to ensure compliance with AML/KYC regulatory standards.
• Investigate suspicious and high-risk transactions by identifying unusual account behavior, inconsistent cash flow patterns, and potential financial crime indicators.
• Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for high-risk customer profiles in line with AML compliance requirements.
• Analyze bank statements, salary credits, business income, transaction trends, and account activities to verify customer financial information and identify suspicious patterns.
• Review and assess Credit Bureau reports including DPDs, obligations, loan inquiries, repayment behavior, and credit history for risk evaluation.
• Support Suspicious Activity Reporting (SAR) processes by identifying and escalating suspicious activities as per regulatory and internal compliance guidelines.
• Handle complex and exception cases that cannot be processed through Business Rule Engine (BRE) systems.
• Execute risk assessments and monitoring checks on customer transactions to identify operational, compliance, and financial risks.
• Investigate alerts generated during transaction reviews and ensure timely resolution and escalation of policy breaches where required.
• Collaborate with internal teams to strengthen AML controls, improve compliance processes, and enhance operational efficiency.
• Identify workflow gaps and recommend process improvements to improve accuracy, productivity, and risk mitigation.
• Maintain updated knowledge of AML/KYC regulations, transaction monitoring controls, and compliance procedures.
• Process approximately 120+ customer cases daily with 100% accuracy while maintaining high-quality compliance standards.

Insurance Renewal at Teleperformance (2021-06 – 2022-12)

Managed end-to-end insurance policy renewal processes.

• Contacted customers before policy expiry and provided renewal reminders.
• Verified customer details and updated policy information.
• Calculated renewal premiums and explained policy benefits to customers.
• Processed policy renewals accurately within defined timelines.
• Coordinated with internal teams to resolve customer queries and renewal issues.
• Ensured compliance with company policies and regulatory guidelines.
• Maintained accurate records of renewal transactions in the system.
• Followed up with customers for pending documents and premium payments.
• Achieved renewal targets while maintaining high customer satisfaction.
• Prepared daily and weekly MIS reports for renewal activities.
• Handled customer complaints professionally and ensured timely resolution.

Science Teacher at Arvind Niketan school (2016-06 – 2020-11)

• Planned and delivered engaging science lessons according to the curriculum.
• Explained scientific concepts through simple, interactive teaching methods.
• Conducted practical experiments and laboratory activities safely.
• Prepared lesson plans, worksheets, and learning materials.
• Assessed students through tests, quizzes, assignments, and projects.
• Monitored students' academic progress and provided constructive feedback.
• Maintained discipline and created a positive classroom environment.
• Encouraged critical thinking, problem-solving, and scientific curiosity.
• Supported students with different learning needs and abilities.
• Communicated with parents regarding students' performance and development.
• Participated in school events, PTMs, staff meetings, and extracurricular activities.
• Maintained attendance records and student performance reports.
• Ensured classroom and laboratory safety at all times.

Msc in Chemistry – Anand Niketan Collage Of Science Art And Commerce (2019)