Stephen Devaraj Email & Phone Number

Having three years of work experience in HDB Financial Services Ltd .Having Seven months work experience with Teleperformance ( AML Analyst).Handling Retail accounts.Verification of proper KYC documents and performing appropriate due diligence to verify the identity of the customer before establishing a relationship and applying KYC AML policies and guidelines to prevent losses.Assessing risk profile through Enhance Due Diligence (EDD) by proper verification of Source of Funds (SOF), Source of Wealth (SOW) and performing necessary background verification and screening checks (online search, Adverse Media) before On-Boarding the customer.Investigate historical data of the customer to know more about the user before establishing a relationship. Multiple cases been escalated from concern teams and via alerts triggered by system or compliance Bot , handling multiple alerts and resolving them , handling multiple cases with different typologies like money laundering,money mule, ATO , APP and CNP fraud , forged KYC documents etc , adhering and complying with applicable laws and regulatory guidelines,identifying illegal activities through continuous monitoring of transactions patterns for suspicious activity , and identifying transactions with sanction countries as well as high risk profile users including PEP and HNWI, Off-boarding the users along with reporting to concern regulatory authorities ( NCA , FNTT) by filling SAR (Suspicious Activity Report). Without Reporting Off- boarding the user if breached terms and conditions and if necessary issues warning ⚠️ based on activities performed on the account .Completed certification in Know Your Customer and Anti Money Laundering ( KYC- AML) from India Institute of Banking and Finance ( IIBF) in March 2022. Acquainted with KYC-AML concepts, KYC policies, CDD, EDD, monitoring suspicious transaction, AML & CFT compliance, AML investigation,fraud monitoring. Actively seeking to work in compliance , operational or vigilance department in banking sector.

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  Fatima Convent High School

  Electrical, Electronics And Communications Engineering