Venkata13.1999

AML/KYC Analyst with 3 years of experience managing end-to-end KYC onboarding, EDD investigations, transaction monitoring, and sanctions screening in compliance with U.S. regulatory frameworks including BSA/AML, OFAC, and FinCEN. Experienced in identifying financial crime typologies including structuring, smurfing, and layering, with strong expertise in SAR/STR reporting, PEP screening, adverse media analysis, and SOF/SOW assessment. Proven ability to lead compliance reviews, mentor junior analysts, and collaborate with legal and compliance teams to strengthen AML controls and ensure regulatory adherence.

AML/KYC Analyst at Emergys software private limited (2022-05 – 2025-06)

• Performed Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for high-risk customers including PEPs, MSBs, and entities from FATF grey-listed jurisdictions, ensuring full compliance with BSA/AML and OFAC regulations.
• Conducted Know Your Business (KYB) reviews for corporate clients, verifying legal entity structures, beneficial ownership (UBO), and control persons per FinCEN CDD Rule requirements.
• Managed client onboarding and periodic KYC reviews, ensuring accurate collection and verification of CIP documentation including government-issued IDs, business registrations, and ownership records.
• Conducted Source of Funds (SOF) and Source of Wealth (SOW) analysis to validate legitimacy of customer financial activities, declared income, and onboarding information.
• Executed end-to-end transaction monitoring using Actimize, identifying suspicious activities such as smurfing (structuring), layering, unusual fund movements, and high-risk transaction patterns.
• Investigated AML alerts and performed risk-based analysis to determine escalation, closure, or SAR recommendation, ensuring complete and accurate documentation of findings.
• Executed sanctions screening, PEP checks, and adverse media reviews using FircoSoft, WorldCheck One, and LexisNexis against OFAC SDN, UN, EU, and global watchlists.
• Conducted false positive analysis on sanctions and transaction monitoring alerts, applying risk-based matching logic to ensure accurate alert disposition and minimize unnecessary escalations.
• Prepared and reviewed Suspicious Activity Reports (SARs) and Suspicious Transaction Reports (STRs) for submission to FinCEN, incorporating transactional evidence, behavioral indicators, and supporting documentation.
• Analyzed customer transaction history, geography, industry classification, and behavioral patterns to develop and maintain risk-based customer risk profiles for effective ongoing monitoring.
• Managed periodic and event-driven KYC refresh reviews triggered by adverse media hits, sanctions alerts, or significant changes in customer profile or transaction behavior.
• Maintained audit-ready investigation records, case documentation, KYC files, and compliance evidence to support internal audits and regulatory examinations.
• Collaborated with compliance, legal, operations, and QA teams to resolve complex AML cases, address regulatory findings, and ensure effective implementation of AML controls.
• Conducted periodic risk assessments related to AML/KYC processes and recommended process improvements to strengthen compliance controls and detection effectiveness.
• Produced MIS reports and compliance dashboards using Excel and Power BI, tracking alert volumes, SAR metrics, SLA adherence, and key compliance indicators for senior management.
• Supported training and knowledge-sharing initiatives on AML typologies, sanctions compliance, and regulatory updates for junior analysts and team members.
• Stayed updated on evolving AML regulations, FinCEN advisories, FATF guidelines, and emerging financial crime trends impacting U.S. banking and financial institutions.

B. Tech – St. Ann's College of Engineering Technology (2021)