PANKAJ KUMAR

AML Investigator

• Worked as Senior officer in SMU team related to AML for ICICI Singapore & ICICI IBG and domestic locations.
• Activity involves tracking of payments originated by ICICI bank (local & International locations) using SWIFT application with the underlying transactions in core /other systems.
• Mismatched entries from both the sides will be sent to the Ops teams & branches & taking confirmations through SR mode in the respective team & location tray.
• Transaction Monitoring Skills
• Working on Case Management Systems (CAMP, Norkom, UCM, and Actimize) and manual queues (involves alert generation and MIS as well in Microsoft Excel).
• Processing Correspondent Banking cases, RBWM (Retail) and CMB (Commercial) cases, and Manual cases.
• Collecting and documenting data, including case investigation, or Suspicious Activity Report history; Know Your Customer information; relevant account and transaction data; plus any other required information to assist the investigation.
• Disposition and fully document all alerts, including supporting data, analysis and rationale for disposition, within the case management system in a timely manner adhering to Service Level Agreements (SLAs) stipulated by stakeholders.
• Building relationships with AML Investigations units, effectively communicating and transferring information for case investigations.
• Understanding of regulatory concepts including, but not limited to, the Bank Secrecy Act, Office of Foreign Assets Control sanctions, and the USA PATRIOT Act.
• Able to interface with business counterparts to obtain information related to their client's transaction activity.
• Experience working with internal groups including Legal, Audit, or Risk to ensure consistent understanding of requirements.
• Independent decision maker, able to make time-sensitive assessments and to discuss complex regulatory issues with senior management.
• Proven ability to formulate and execute an investigation.

Business Analyst

• Played crucial role in projects, acting as a bridge between the business stakeholders and the development team. My primary objective to understand the banking needs, gather requirement and ensure the delivered solutions to fulfill the requirements. Here are some of the key roles and responsibilities of Business analysts in projects.
• Gathering the process suggestion, Feedback from the customers then Based on their importance, Feasibility forward the requirements to Business stakeholders for approvals and to development team.
• Based on Compliance, business approvals we forward the requirements to development team with proper detailed BRD and user stories.
• Risk Assessment potential risks and work with stakeholders to develop mitigation strategies. Data Security and Privacy Collaborate with security and compliance teams to ensure that customer data is protected and that the product adheres to data privacy regulations.
• We often play a role in managing changes to projects scope. Ensuring that any changes to requirements are properly assessed for impact and approved by relevant stakeholders.

Audits and Escalations:

• Have good exposure in End-to-End review of customer profile.
• Checking the KYC documents received from the clients for account opening.
• Manage customer bank account, open, close and oversee transactions and monitoring accounts, if any suspicious transaction occurs, then immediately coordinating with team to block and secure account, then we will do follow up with team to investigate with concern team as soon as possible.
• Handling Customer Queries and Providing Information as per Defined Standards.
• Follow up on Escalations and Closing them.