Designation: Due Diligence Associate.Process: Financial Crime Operations (FC-Ops).Responsibility: (AML/KYC – Entity Onboarding):Responsible for Opening Account, Amending, Reviewing existing clients according to established policies and procedures, retrieving missing information from customers.Review each customer/client’s information: Name, Address, ID number, Legal documents and the customer’s original information (UBO) to determine if there are any material changes to be updated which can affect the risk rating.As per customer type, before on-boarding, validating the client documents like Formation document, Limited Partnership Agreement, State of Secretary, Proof of Listing, Ownership structure, Guidestar, Form 990, Certification of Beneficial Owners form, Customer Information Form, Proof of Regulation, Tax documents (W9 & W8).Finding out the Ultimate Beneficial Owner (UBO) and Political Exposed Person (PEP), Key Controllers and their holdings of the client.Ordering and reviewing Screenings reports of the Entity, individual owners, Controllers and other related parties with regards to Negative News, Money Laundering, Reputation Risk and connection with Sanction Countries.Reviewing and validating the Screening documents: Final Investigation Summary Reports, Adverse News Investigation Summary Reports, Preliminary Investigation Summary Reports, Lexis Nexis, Due Diligence Reports.Perform Sanction Screening and PEPs identification as per AML/KYC Standards and collecting business specific documents in order to review, analyze, screen and verify.Co-ordinate with front line (RM/Middle Office) to obtain relevant information for discrepancy resolution.Handling LOB’s calls and cascading the process updates to the Team Members.Maintaining and sending the KYC On-boarding Tracker by EOD to the Manager. Tools used: Cornerstone, Bridge SharePoint, Wholesale Customer and Account Onboarding (WCAO), Streamlined Elastic Workflow Assistant (SEWA).

Responsibility: (AML/KYC – ABN AMRO Bank, Netherland)My responsibilities is to verify client data, performing due diligence checks, reviewing KYC documentation, risk assessments, Checking Business Activities and Compliance/Anti-Money Laundering (AML) and Verifying the KYC requirements. Complete KYC on boarding for new & pre-existing customer by reviewing client documents.Research and verifying the parties involved in suspicious transactions (for high risk or negative information). Analyzing transaction structures & nature of business.Have complete knowledge of end to end KYC Onboarding, AML, Screening, Periodic Review/Remediation, Due Diligence, Customers Due Diligence (CDD) and Enhanced Due Diligence (EDD).Have strong knowledge of Netherland AML/KYC regulatory and compliance issues particularly in the banking sectors to ensure KYC standard is compliant with local regulatory requirements.Able to identify key risks and controls that require testing within processes.Verifying and validating customer identity, profile, business etc. and source documents from internal repositories and external websites relevant to Entity type.Determining potential risk to the bank through extensive research, negative media searches as applicable and sanction screening process on counter parties.Performed and handled multiple priorities and deadlines concerning review of high risk clients and maintained detailed records on clients for further level review. End to end management of client KYC process including compliance and operations. Leading the team and given support whenever needed on process updates and educating on the Operational Excellence. Tools used: Fenergo, Regulatory Data Corporation (RDC) Screening, Concord, Siebel, Business Contact Data Base (BCDB), Klantbleed, Single Euro Payments Area (SEPA), Systran, Microstatergy – (TO Tool).Certification: Certificate in AML (Anti Money Laundering) - TCS Internal and Service and Commitment Award - TCS.

Responsibility: (Loyalty Banking - Rewards Program)My responsibilities is to provide redemption process of accumulated rewards points to merchant and benefits of reward points through E-mails.Keep records of transactions, complaints, comments and follow up to ensure that appropriate actions were taken on merchant requests.Resolve product or service problems by clarifying the merchant complaint, determining the cause of the problem, explaining the best solution to solve the problem.Researched merchant dispute cases and forwarded results to related departments. Prepared and maintained productivity reports and spreadsheets.Providing support to merchant request for login issues (reset password, reminder with login details through E-mails).