Urmi Deb

AML Transaction Monitoring Investigator with 4 years 7 months of progressive experience in financial crimes compliance, SAR/STR drafting, KYC due diligence, and end-to-end money flow analysis. Demonstrated expertise in identifying AML typologies — including layering, smurfing, structuring, and unusual transaction patterns across high-volume, regulated environments. Experienced in OFAC/Sanctions screening, adverse media reviews, and risk-based case disposition.

Adept at producing accurate, audit-ready investigation documentation within defined SLAs. Seeking to leverage deep compliance expertise in a US/international banking environment.

Subject Matter Expert — AML Transaction Monitoring | Financial Crimes Compliance - Cognizant - Hyderabad, India

(2025-04 - 2026-05)

• Filed 40–60 SAR/STR reports monthly with full FinCEN compliance, producing audit-ready narratives that consistently cleared internal QA review with zero regulatory returns — serving as the team's primary reference for narrative standards and escalation thresholds.
• Resolved end-to-end AML investigations across a high-volume alert queue, identifying typologies including layering, smurfing, structuring, and money mule networks — maintaining case closure within defined SLAs while sustaining quality benchmarks above team average.
• Led OFAC, UN/EU Sanctions, and World-Check screening during onboarding and periodic reviews, making risk-based disposition decisions independently and documenting findings to a standard suitable for regulatory audit.
• Conducted Enhanced Due Diligence (EDD) on high-risk customers, verifying beneficial ownership, validating source of funds, and updating KYC profiles — flagging discrepancies that triggered escalation under internal governance frameworks.
• Investigated Account Takeover and Money Mule cases, mapping account network connections and producing structured escalation packages that reduced handoff time to senior reviewers.
• Contributed to SOP development and tool optimization initiatives, translating frontline investigation insights into process improvements that measurably reduced false positive rates across the team.

Fraud and Risk Specialist - Wipro - Hyderabad, India

(2024-04 - 2025-04)

• Performed AML transaction monitoring and KYC verification on flagged accounts, identifying suspicious financial behavior including unusual payment patterns, rapid fund movement, and structuring indicators.
• Conducted investigations into payment fraud, Account Takeover (ATO), and fake account activity, leveraging risk-based analysis to assess money flow across interconnected accounts.
• Maintained detailed, audit-ready investigation documentation and contributed to compliance review processes, ensuring records met internal quality and regulatory standards.
• Monitored high-risk transactions in real time, applying AML typology knowledge to distinguish genuine anomalies from false positives and prioritize escalations.
• Supported implementation of fraud risk mitigation strategies, analyzing patterns across cases to identify systemic vulnerabilities and reduce financial exposure.

Fraud and Abuse Prevention Specialist - Amazon - Hyderabad, India

(2021-09 - 2024-04)

• Investigated fraud and financial abuse cases within Amazon's digital marketplace ecosystem, applying data-driven analysis to detect suspicious seller and customer behavior including transaction manipulation and account compromise.
• Identified emerging fraud patterns through transaction-level analysis and collaborated with policy and risk teams to close detection gaps and strengthen marketplace financial integrity.
• Utilized internal analytical tools and monitoring systems to flag suspicious activity, conduct risk assessments, and escalate critical cases with documented findings.
• Built foundational expertise in behavioral pattern analysis, risk investigation workflows, and cross-functional escalation — skills directly transferable to AML financial crime investigation.

M.Sc - Amity University, Delhi (2020)

B.Sc - Tripura University, Agartala (2018)