Harinarayan B

Results-driven Senior Financial Crime Analyst with 3+ years of experience in identifying and mitigating financial crime risks. Proficient in regulatory compliance, investigative analysis, and designing robust frameworks to prevent financial crime, with a proven ability to work cross-functionally, enhance operational efficiency, and deliver high-quality, data-driven solutions in fast-paced, regulated environments.

Not Taken Up (NTU) Account Monitoring:

• Led a focused project to monitor Not Taken Up (NTU) insurance accounts, where policyholders enrolled but did not pay the initial premium, resulting in repeated false alerts and operational inefficiencies.
• Managed investigations across 500 accounts, collaborating with onshore teams and cross-functional stakeholders to identify root causes, and enhance monitoring processes.
• Identified that approximately 70% of NTU cases were linked to Relationship Managers for multiple reasons, including misrepresenting policy returns and aiming to meet sales targets, which often led to policy cancellations.
• Implemented targeted workflows to validate and close such accounts, achieving approximately a 40% reduction in false alerts, improving transaction monitoring efficiency, and strengthening governance to reduce costs and address process gaps.

• Certified Anti Money Laundering Investigator (CAMI) - PonSun AML Academy
• ICA Certification - International Compliance Association
• Excel Skills for Business: Essentials - Macquarie University
• Guide to Money Laundering and AML Compliance - Udemy
• Finance Foundations (Risk Management) - LinkedIn Learning