SARAVANAN V
Lead Associate
Chennai
Summary
Results-driven AML Investigator with hands-on experience in transaction monitoring, risk assessment, and regulatory compliance. Skilled in drafting Suspicious Activity Reports (SARs), conducting enhanced due diligence (EDD), and interpreting complex financial data to identify potential money laundering and terrorist financing risks.
Overview
12
12
years of professional experience
6
6
years of post-secondary education
Work History
Lead Associate
WNS Global Services Pvt LTD (Clients: First Abu Dhabi Bank (FAB) / Commercial Bank of Dubai (CBD), UAE)
07.2022 - Current
- Having strong AML/CTF knowledge of handling customers from different segments (corporates, small businesses, retail, and wealth customers). Monitoring the transactions using automated systems to detect suspicious activity and escalate cases for further investigation. Conducted an in-depth analysis of customer transactions and behavior to assess risk and determine escalation.
- Initiate requests for further information (RFI) to obtain appropriate justification and documentation for concerned transactions and behavioural changes. Compiled and submitted detailed case narratives and supporting documentation for STR filings.
- Collaborated with internal audit and legal teams to strengthen AML controls and risk mitigation strategies. Ensuring compliance with the UAE Federal Decree-Law on AML and Combating the Financing of Terrorism (CFT). Participate in periodic AML risk assessments and gap analyses to ensure alignment with evolving regulatory requirements.
Senior Analyst
Standard Chartered Bank
05.2020 - 07.2022
- Performed detailed investigations on alerted transactions to detect potential money laundering, terrorist financing, and other illicit activities. Through the Mantas transaction monitoring system, which operates 21 detection scenarios across SCB currency clearance platforms, to identify and queue suspicious transactions for review.
- Conducted in-depth analysis of flagged transactions, examining entity profiles, transaction dates, amounts, remittance references, third-party involvement, and sanction screening results. Leveraged internal systems (ECM, Arachnys, Watchlist, CERF, BOWB) and external sources (OFAC list, public domains) to assess anomalies and determine case disposition. Articulated a report and appropriate documents for (STRs / SARs) when transactions met criteria for regulatory escalation.
- Maintained awareness of country-specific dynamics, AML/CFT regulations, sanction policies, and criminal typologies to ensure investigations were contextually sound and compliant.
Process Associate
Barclays Global Business Service Centre
10.2015 - 02.2018
- Conducted thorough customer due diligence (CDD) and enhanced due diligence (EDD) for onboarding corporate clients, ensuring compliance with AML and KYC regulations.
- Reviewed and verified client documentation, including ID proofs, financial statements, and business licenses, to assess risk levels and regulatory adherence.
- Identified and escalated suspicious activities, contributing to a 25% increase in fraud detection and AML investigations.
- Collaborated with compliance and legal teams to streamline KYC workflows, reducing onboarding time by 30%.
- Communicated effectively with RMs, and supervisors to resolve issues promptly and accurately. Maintained accurate and up-to-date client records in accordance with FATF, GDPR, and internal audit requirements.
Process Associate
TeamLease Services Ltd (Contract Staff at Barclays Global Business Service Centre
03.2014 - 10.2015
- Handled complaints of missold insurnce on secured and unsecured loans. Investigate & make decision based on the internal / external evidences and provide appropriate resolution to the customers.
- There are various decision outcome i.e. uphold, Seeking Further information from customer and defend. This process is regulated by the Financial Service Authority (FCA), UK.
- Ensuring customer satisfaction by providing superior service delivery and achieving service quality norms. Build resource and operational efficiency to meet the banking growth, and work on the various MIS.
Education
Bachelor of Engineering - CSE
Velammal Engineering College
Chennai, India 04.2009 - 01.2013
Higher Secondary schoolings -
General Carriappa HSS
Chennai 01.2007 - 01.2009
Skills
- KYC/AML Compliance
- Comprehensive Risk Evaluation
- Critical Thinking and Strategic Execution
- Research and Report Writing
Timeline
Lead Associate
WNS Global Services Pvt LTD (Clients: First Abu Dhabi Bank (FAB) / Commercial Bank of Dubai (CBD), UAE)
07.2022 - Current
Senior Analyst
Standard Chartered Bank
05.2020 - 07.2022
Process Associate
Barclays Global Business Service Centre
10.2015 - 02.2018
Process Associate
TeamLease Services Ltd (Contract Staff at Barclays Global Business Service Centre
03.2014 - 10.2015
Bachelor of Engineering - CSE
Velammal Engineering College
04.2009 - 01.2013
Higher Secondary schoolings -
General Carriappa HSS
01.2007 - 01.2009
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