Vinisha Velbabu
Banking and Financial Services Professional
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About
Good Exposure and experience into Retail Banking operations and Financial Reporting. Good Exposure and experience in Corporate KYC and Individual KYC. Good expertise in handling live payments with all sanctions Knowledge of the global and local regulations related to banking and financial services.
Experience
Senior process associate - Wipro technologies Pvt ltd - Chennai
(2026-01)
Client: RAK Bank (Ras al Khaimah Bank) UAE
- Performed KYC activities for Business Banking and Personal Banking customers, ensuring compliance with regulatory and internal policy requirements.
- Conducted gap analysis on customer records to identify missing documentation, outdated information, and compliance deficiencies.
- Worked closely with compliance team to verify client identity through onshore team and conducted
- Anti-Money Laundering checks to ensure all client profiles met banking and legal regulations.
Process Associate - Tata Consultancy Services India Pvt. Ltd
(2021-05 - 2025-03)
Client: Standard Chartered Bank (Sanctions & Transaction Screening)
- Screen payments/SWIFT messages (Inward / Outward) in accordance with sanctions screening policies, procedures & practices to ensure compliance with laws and regulations.
- Suspects transactions identified, referred and / or escalated for resolution in a timely manner.
- Recommend, develop & implement changes to existing & proposed procedures, policies and programs.
- Perform QC/QA on agreed frequency on all/sampled transactions.
- Providing periodic thorough reporting to Managers and senior leadership on the state of our screening efforts.
- Supervise the day-to-day work of the central Screening unit operations.
- Co-ordinate, Supervise, or Lead Improvement initiative project / programs.
- To check incremental risk events, which we are unable to find it in the face of the payment or through PD search
- Basic information should be listed, and RFI response or questionary to raised.
- The entire response may occur online including scanned document through email, and supporting document received for screening. (Example: Invoice, bill of lading, LLI & Tracking if vessel is involved) in the transaction).
Senior Associate Ops - WNS Global Service
(2018-09 - 2021-04)
Client: Commercial bank of Dubai | UAE RETAIL & CORPORATE KYC & Account Service Unit
- Creating Salary, Savings & current accounts and Opening of Fixed Deposits.
- Performing of KYC & CDD on Medium and Low Risk Customers.
- As per the customer request account maintenance activity also take place with relevant documents
- Responding to and working with bankers to ensure customer support and satisfaction.
- Handled Customer Complaints and escalations for the site.
Senior Associate Ops - WNS Global Service
(2018-09 - 2021-04)
Client: FAB Bank - FIRST ABU DHABI BANK | UAE RETAIL & CORPORATE KYC & Account Opening
- Perform End-to-End case, Generating and Opening Account with the AECB Report.
- Performing of KYC & CDD on Medium and Low Risk Customers.
- Act as a KYC knowledge centre to the team and ability to resolve queries pertaining to KYC profiles.
- Conducting Root Cause analysis (RCA to identify) the processing Issues and focusing on reducing errors and improving the overall performance.
- Ensuring audit and compliance requirements are met as per Global Line of Business/In country requirement.
Education
B.sc - Botany - Meenakshi college for women - Autonomous (2018-04)
HSC - Government Girls Higher Secondary School (2015-03)
SSLC - Government Girls Higher Secondary School (2013-03)
