Durairaj Ranjith Kumar
Chennai
Summary
To work for a reputed organization, that would provide me the challenging assignments, and opportunity to manage and interface with clients, with scope for the continuous learning and growth as I could leverage my skill to the maximum while providing me wide exposure, sufficient responsibilities, independents of thoughts and opportunity to widen my knowledge and experience.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Risk and Controls Analyst - Quality Assurance
Royal Bank Of Scotland (NatWest Group)
06.2025 - Current
- Support and work in partnership, with the first line of defence and businesses in applying effective risk management by anticipating and assessing the potential impacts of risk across the organization.
- Deliver risk management initiatives that support the effective application of the operational risk framework and conduct risk obligations
- Improve the understanding and effective management of risk across the organization by supporting the business to make sure risks are identified, assessed, mitigated, monitored and reported in an effective manner
- Support the business in managing the risks which exist in the business area, ensuring mechanisms are in place to identify, report, manage and mitigate risk within a defined risk appetite, working in conjunction with the second line of defence
- Evaluate the adequacy of controls to identify any potential risks to the business
Transaction Filtering - Level 2 Investigator
Royal Bank of Scotland (NatWest Group)
06.2024 - 06.2025
- Conducted investigations of bank line transactions, encompassing personal, corporate, trade, and market payments, ensuring adherence to sanctions compliance and preventing financial fraud and money laundering within established SLAs and cut-off times
- Processed transactions based on SWIFT messages and PACS formats utilizing Firco-soft, VIGIL, World Check, and back-office systems, including CCS (Customer Connection Search)
- Resolved inquiries and investigations related to fund transfers, including requests for cancellation/recall of funds or asset freezes
- Monitored mailboxes for each franchise
- Created Intellitracs cases for rekey, recheck, inward, and SEPA payments
- Collaborated with relationship managers to gather information necessary for alert analysis
- Managed payment queues and allocated payments to ensure timely release
- Maintained 100% quality and productivity across teams
Transaction Filtering - Level 1 Verifier
Royal Bank of Scotland (NatWest Group)
02.2023 - 06.2024
- Verifying and releasing payments released by Level 1 investigator.
- Led discussions during team huddles regarding incorrectly released payments and unique cases, developing preventative controls to mitigate future occurrences.
- Identified process risks and formulated procedures to eliminate them, managing incidents and escalations in accordance with established policies and processes.
- Recognized team member contributions through LOVs and e-thank you cards.
- Provided buddy training and refresher sessions for accreditation staff.
- Created new IDs, secured system access for new joiners, updated existing records, and provided onboarding training to fellow employees.
Global Client Screening - Level 1 & 2 Investigator
Royal Bank of Scotland (NatWest Group)
08.2020 - 02.2023
- Conducted screening and investigations of customers against PEP profiles and sanctioned lists using Fircosoft Continuity
- Maintained and disseminated management information (MI), performed process reviews, and implemented risk mitigation strategies
- Delivered training sessions and organized team-building activities
- Liaised with Relationship Managers (RMs) across various franchises to obtain updated customer information
Transaction Filtering - Level 1 Investigator
Royal Bank of Scotland (NatWest Group)
03.2020 - 08.2020
- Conducted investigations of bank line transactions, encompassing personal, corporate, trade, and market payments, ensuring adherence to sanctions compliance and preventing financial fraud and money laundering within established SLAs and cut-off times
- Escalated transactions beyond Level 1 when sanctioned elements precluded immediate resolution
- Maintained 100% quality and productivity.
Intern - Operational Analyst
MER SHIP CHANDLERS
06.2018 - 02.2020
- Conducted daily analysis of vessel arrivals at all Indian ports
- Established contact with ship captains and coordinated meetings to cultivate business relationships
- Provided technical support for software and hardware inquiries
Education
Master of Business Administration - Business analytics
Madras University
Chennai12-2025
Bachelor of Commerce - General
Loyola College
Chennai04-2019
HSC & SSLC -
St. John's Mat. Hr. Sec. School
Chennai04-2016
Skills
- Detail-oriented
- Analytical
- Communicative
- Collaborative
- Adaptable
- Leadership
- Multitasking
- Risk analysis
- Documentation review
- Issue resolution
- Operational efficiency
- Internal controls
Accomplishments
- Received the following recognitions: Risk Champion for identifying the highest number of process risks, Gold Ovation award from the unit head for risk identification, 'Quick Thanks' recognition for managing a night shift without escalations or cut-off misses, Gold Ovation award for weekend support, Silver Ovation award for extended support provided to other teams.
- Identified and escalated a payment incorrectly released at Level 1, securing a one-time approval for Level 1 release. This prevented an internal breach and reduced Level 2 volume.
- Identified and escalated incorrectly released country matches at Level 1, leading to successful remediation.
- Maintained 100% quality and productivity across teams.
- Served as a designated process SME, providing training and query resolution for all Level 1 staff.
- Developed and delivered multiple training sessions, including: Preventing recurring errors, Best practice methodologies, Handling query messages, Appropriate use of Level 3 one-time approvals.
Certification
- Achieved a distinction in all RBS Anti-Money Laundering assessments.
- Successfully completed the Anti-Money Laundering/Know Your Customer examination administered by the Indian Institute of Banking & Finance (IIBF).
- Completed a course in Tally.
Languages
English
Tamil
French
Hindi
Sanskrit
Software's used
Intellitracs, Backoffice, I&W, Bankline, PES-Payment Enquiry System, Refinitiv-World Check, (Firco-Soft-V5-Continuity, Vigil, CCON- Card consumers, CCOM- Card commercial, Fenergo, CCS-Customer Connection Search, Microsoft Excel, Word, Outlook, Teams, Skype
Personal information
Hobbies
Audiophile, Gaming, Binge watching, Travelling
Declarations
I hereby declare that the information furnished above is true to best of my knowledge.
Timeline
Risk and Controls Analyst - Quality Assurance
Royal Bank Of Scotland (NatWest Group)
06.2025 - Current
Transaction Filtering - Level 2 Investigator
Royal Bank of Scotland (NatWest Group)
06.2024 - 06.2025
Transaction Filtering - Level 1 Verifier
Royal Bank of Scotland (NatWest Group)
02.2023 - 06.2024
Global Client Screening - Level 1 & 2 Investigator
Royal Bank of Scotland (NatWest Group)
08.2020 - 02.2023
Transaction Filtering - Level 1 Investigator
Royal Bank of Scotland (NatWest Group)
03.2020 - 08.2020
Intern - Operational Analyst
MER SHIP CHANDLERS
06.2018 - 02.2020
Master of Business Administration - Business analytics
Madras University
Bachelor of Commerce - General
Loyola College
HSC & SSLC -
St. John's Mat. Hr. Sec. School
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