VINITHA RAJA
KYC Senior Analyst
Avadi
Summary
Accurate Senior Analyst with exceptional teamwork, leadership and communication skills. Over 07 years of experience working on large-scale projects as well handling daily operational requests. Exceptional technical understanding to meet project deadlines.
Overview
9
9
years of professional experience
6
6
years of post-secondary education
Work History
C-09 Officer
Citicorp Services India Pvt Ltd
Chennai, Tamilnadu
01.2025 - Current
- Completes extensive due diligence investigations using databases in accordance with anti-money laundering (AML) and other regulatory standards to assist business units and prevent operational and reputational risk.
- Am aware of any procedural clarifications gets highlighted to mangers for further review and guidance.
Support the team with their doubts and clarification, also will share the new learnings. - Performing KYC for CITI cards customers, including monitoring and tracking of KYC records, assisting with the development and execution of action plan for expiring records and ensuring records are not past due.
- Perform the AML name screening of sanctions, SPF, PEP, Red flag, negative news and Adverse media screening for the individual customers as part of due diligence during onboarding and the existing customer.
- Performing enhanced due diligence (EDD) on high-risk customers, including politically exposed persons (PEPs) and those from high-risk jurisdictions.
- Perform IQC for new joiners.
- Draft detailed investigation evidence for screening and provide recommendations for further action, such as maintaining based on closure matrix or exiting based on block & closures team.
- Work with other departments, such as outreach, OIM, Block & closure, CRB, SPF, Red flag, Sanctions, to gather information and conduct investigations.
Senior Analyst (KYC Client Onboarding)
Teleperformance Global Services Pvt Ltd
12.2023 - Current
- Demonstrated expertise in ensuring compliance with KYC regulations, including AML (Anti-Money Laundering) and CDD (Customer Due Diligence) requirements
- Streamlined KYC onboarding processes to enhance efficiency while maintaining regulatory standards, resulting in reduced onboarding timeframes and improved customer experience
- Identify accurate risk rating for individual/non-individual accounts to highlight high risk jurisdictions, cash intensive/high risk businesses and Politically Exposed Persons (PEPs) or Relatives or Close Associates (RCAs)
- Performs checks on Client’s and connected parties against World Check Risk Screen, FinCEN list, and OFAC Specially Designated Nationals List (SDN) and Blocked Persons list
- Conducted thorough risk assessments of new clients/customers to identify potential financial, regulatory, and reputational risks, ensuring adherence to risk management protocols
- Proficient in reviewing and verifying customer documentation, including identification documents, proof of address, and business incorporation documents, to validate the authenticity and accuracy of information provided
- Implemented robust CDD procedures to assess the risk profile of clients, including the evaluation of beneficial ownership structures, source of funds, and business relationships
- Conducted EDD on high-risk customers to obtain a deeper understanding of their backgrounds, transactions, and associated risks, enabling informed risk-based decisions
- Stayed updated with evolving regulatory requirements and industry best practices related to KYC/AML, ensuring alignment with regulatory expectations and timely implementation of changes
- Collaborated with internal stakeholders such as legal, compliance, and operations teams to address KYC-related issues, resolve escalations, and implement process enhancements.
Process Associate, Global KYC and Corporate KYC
TATA CONSULTANCY SERVICES PVT LTD
01.2017 - 10.2023
- Conducting in-depth due diligence on new and existing clients to assess the risk of money laundering or terrorist financing activities
- Engage existing / new customers / RM in the collection of detailed customer information and supporting documentation required for the completion of Customer Due Diligence (CDD)
- Ensure completeness of CDD information and supporting documentation before submitting the case to Relationship Managers (RM) for review
- Analyze Client data, documentation and negative news in order to determine Client Risk Profile as established under the Global KYC Procedures
- Perform screening on Client and its connected parties and identify ML, TF and PEP risks and sanction risks
- Ensured CDD is properly performed by the LOBs and EDD is applied in cases were warranted to mitigate AML/TF
- Performing enhanced due diligence (EDD) on high-risk customers, including politically exposed persons (PEPs) and those from high-risk jurisdictions
- Monitoring transactions for suspicious activities and filing Suspicious Activity Reports (SARs) when necessary
- Staying abreast of changes in anti-money laundering (AML) and counter-terrorist financing (CTF) regulations and guidelines
- Perform transaction analysis as part of KYC for the last 6 months and identify the risks involved and escalate to FCC for further review.
Education
BSc Physics - Physics
Muthayammal College of Arts & Science
Salem, India 01.2013 - 04.2016
HSC - Physics
Shri Saradha Vidyalaya Higher Secondary School
Salem 04.2011 - 03.2013
SSLC -
Shri Saradha Vidyalaya Higher Secondary School
Salem 01.2010 - 03.2011
Skills
MS Office
BEC preliminary
Tally
Risk Mitigation
Technical understanding
Client management
Client Relationship Management
Personal Information
- Age: 30
- Father's Name: Raja P
- Date of Birth: 01/20/96
- Marital Status: Married
Additionalresponsibilitiesachievements
- Handling the customer complaint on daily basis.
- Taking decision before the SLA period.
- Won Star performance awards twice in KYC process.
Disclaimer
I do hereby declare that all the information stated above are true and correct to the best of my knowledge and belief.
Timeline
C-09 Officer
Citicorp Services India Pvt Ltd
01.2025 - Current
Senior Analyst (KYC Client Onboarding)
Teleperformance Global Services Pvt Ltd
12.2023 - Current
Process Associate, Global KYC and Corporate KYC
TATA CONSULTANCY SERVICES PVT LTD
01.2017 - 10.2023
BSc Physics - Physics
Muthayammal College of Arts & Science
01.2013 - 04.2016
HSC - Physics
Shri Saradha Vidyalaya Higher Secondary School
04.2011 - 03.2013
SSLC -
Shri Saradha Vidyalaya Higher Secondary School
01.2010 - 03.2011