Denice Ombedho

Banking professional with 8+ years of progressive experience at Standard Chartered Bank specialising in Operational Risk Management, AML/CFT compliance, KYC/CDD/EDD, and transaction monitoring. Proven track record of identifying and mitigating financial crime risks, supporting regulatory and internal audits, and driving measurable process improvements. Deep expertise in CBK Prudential Guidelines, POCAMLA, FATCA, and enterprise internal control frameworks.

Digital Onboarding Operations Assistant at Standard Chartered Bank (2025-11 – Present)

Lead KYC/CDD onboarding reviews and transaction monitoring with focus on AML/CFT compliance

• Lead KYC/CDD onboarding reviews ensuring 100% compliance with AML/CFT and Operational Risk policies across all client files.
• Conduct real-time transaction monitoring and risk assessments, escalating suspicious activities within agreed SLA timelines.
• Spearheaded process optimisation initiatives that reduced onboarding processing delays and improved client turnaround times.
• Collaborate with Compliance and Risk teams to reinforce internal controls and strengthen audit readiness.

Remediation Officer – HRTC Project at Standard Chartered Bank (2024-02 – 2025-02)

Executed AML/KYC remediation reviews for high-risk accounts and regulatory compliance

• Executed AML/KYC remediation reviews for a portfolio of high-risk accounts, ensuring full regulatory compliance with documented audit trails.
• Identified systemic control gaps and contributed to risk mitigation strategies that improved overall compliance scores.
• Produced detailed investigation reports and supporting documentation for internal and external audits.

Card Operations Officer at Standard Chartered Bank (2023-03 – 2024-02)

Monitored card transaction flows and flagged anomalies for fraud mitigation

• Monitored high-volume card transaction flows and flagged anomalies to proactively mitigate fraud and operational risk exposure.
• Strengthened reporting accuracy and enhanced detection methodologies for suspicious transaction patterns.
• Maintained operational controls in line with internal policies and applicable regulatory standards.

Digital Fulfillment Specialist at Standard Chartered Bank (2019-03 – 2023-02)

Conducted KYC verification for digital client base and identified risk indicators

• Conducted KYC verification for a growing digital client base, ensuring compliance with all applicable regulatory requirements.
• Identified and escalated red flags and emerging risk indicators, directly contributing to fraud prevention outcomes.
• Improved data quality and reduced onboarding turnaround time through targeted process improvement initiatives.

KYC / AML Analyst at Standard Chartered Bank (2018-01 – 2019-02)

Performed Enhanced Due Diligence on high-risk clients and supported compliance audits

• Performed Enhanced Due Diligence (EDD) on high-risk and complex clients in line with AML/CFT regulatory requirements.
• Supported compliance audits and contributed to timely, accurate regulatory reporting processes.

Reconciliation Officer at Standard Chartered Bank (2017-06 – 2018-01)

Reconciled financial transactions and resolved discrepancies to reduce operational risk

• Reconciled financial transactions and resolved discrepancies, reducing operational risk exposure and improving ledger accuracy.
• Supported internal control frameworks and audit processes to ensure regulatory adherence.

Cash Management Operations Officer at Standard Chartered Bank (2016-07 – 2017-05)

Processed and authorised transactions in compliance with banking policies

• Processed and authorised transactions in strict compliance with banking policies and procedures.
• Identified control gaps and actively supported risk mitigation initiatives within the operations team.

BSc. in Supply Chain Management – Jomo Kenyatta University of Agriculture & Technology (JKUAT)