Ridheesh M H Email & Phone Number

Chennai, Tamil Nadu, India

• Monitor Risk on Merchant Transactions in payment terminals and POS.• Detect Fraud and ensure compliance in transactions.• Mitigate Financial Risks and detect suspicious anomalies in Merchant activities and daily transactions.

Chennai, Tamil Nadu, India

• Onboard trade-based clients and facilitate transactions while strictly adhering to RBI guidelines.• Proficient in conducting KYC verifications for companies and individuals, ensuring compliance with regulatory requirements.• Skilled in conducting third-party due diligence and verifying business activities and risk factors.• Manage classification lists like Red, Yellow, Amber, and Green category lists, circulate them across teams, and update them in the bank’s transaction system.• Experienced in creating comprehensive profiles for overseas parties or counterparties, particularly for gems and jewellery transactions.• Specialized in handling diverse trade-based clients including Import & Export businesses, Gems & Jewelry clients, and Service industry clients.• Proactive approach to risk management and compliance, ensuring the integrity and security of transactions adhering to bank policies and RBI circulars for Trade transactions.• Excellent communication and interpersonal skills, adept at collaborating with internal teams and external stakeholders.

Chennai, Tamil Nadu, India

• Processing end to end AML / KYC activities and monitoring counterparty transactions based on risk and red flags alerts.• Reviewing retail, corporate and crypto account transactions and source of fund activities.• Investigating and assess alerts for potential money laundering and terrorist financing activities.• Identifying potential risks on customer KYC records, periodically.• Identify customer online presence by adverse media verification.• Monitor counter terrorist financing, human trafficking, child sex abusive monitoring and unknown third-party transactions.• Prepare Suspicious Activity Report and update all account activities for further investigations team.

Chennai, Tamil Nadu, India

• Collaborated with onshore team and vendors to ensure product updates comply with regulations.• Developed and implemented enhanced due diligence procedures, resulting in reduction of potential risks.• Created and delivered KYC training sessions to teams to raise awareness and ensure compliance across departments.• Analyzed large datasets using Citi Screening and KYC tools, leading to the identification of high-risk accounts.• Conducted various levels of due diligence like CDD / EDD and performed litigation checks, ensured all deliverables, and maintained reports.• Collaborated with cross-functional teams and managed team updates and review periodically.• Assisted in the development of risk assessment models, improving the accuracy of identifying high-risk customers and automation process on process Quality validation.• Validated screenings on third parties representing customers.• Worked in close coordination with testing and other cross functional teams, stakeholders and participated in automation testing process.• Supported project and process management efforts, managed escalations, account allocations and ensured proper functioning of external teams.• Assisted and maintained all documentations such as governance report, process updates, third party training requirements and case allocation MIS and additionally management of multiple processes and ensured all business requirement deliverables.• Managed and stayed up to date with evolving compliance activities relative to collections and retail banking.

Chennai

• Trained a team of 20 KYC Screening analysts in conducting thorough investigations of suspicious customers.• Processed all new business loan and overdraft requests by performing initial KYC screenings prior to account opening.• Verified all customer documentation furnished for secured & unsecured loan sanctioning and validated all mortgage requirements for loan purposes.• Executed all loan sanctioning processes by validating all KYC requirements.• Trained for cross functional team on the KYC screening process and supported business requirements.• Managed the KYC remediation process for corporate customers to ensure all regulatory requirements are fulfilled.• Reviewed and ensured all required AML or KYC requirements for new corporate clients are met.• Monitored transactions and maintained customer databases.• Validated screenings as per regulatory norms related to company registrations and customer relations.• Trained a new team consisting of 20 employees on KYC screening process.• Ensured quality assurance and data management of processes records.

Master Of Business Administration - Mba, International Business, B+

Activities and Societies: - Coordinator for Business Cultural Event - Ashwa. - Participated in Business competitions of other Management.

Bachelor Of Commerce (B.Com.), Commerce With Computer Application, 4.91 Cgpa

Activities and Societies: Been part of Rotaract as PRO and Avenue Mentor

Higher Secondary, Commerce, 73.33

12th Grade