Poornima Kuram

Mobile: +44-788******* E-Mail: ad4l5c@r.postjobfree.com

Location: Hatfield Availability: Immediately

Key Skills: S-166 projects, Financial crime investigations, AML, Transaction Monitoring, TM scenarios, QC, QA, Sanctions, SAR’s, KYC, CDD, EDD, Remediations, Exits, FC frameworks, Policies & Procedures, Mortgages, MI reporting.

Profile Summary:

13+ years' experience with a strong knowledge in Corporate, Correspondent Banking, Investment Banking, Commercial, Business, Private, Retail, Financial Institution, Charity, Trusts, SPV, SPE, Vostro, Nostro, Cheques, Trade finance, Markets, Insurance, Fintech etc.

Part of S -166 projects

Expertise on Money Laundering Regulations, Terrorist Financing, Transfer of funds regulations and JMLSG procedures

Good understanding on AML, Payments, MIFID, SSI directives

Strong knowledge on OFAC, EU, UK HMT, HK, FACTA, UN designations

Proven knowledge of FC frameworks, policies, procedures, and processes

Good knowledge and exposure on creating scenarios

Expertise on ISAR, SARs, UARs, Client & Payment screening, Negative news, PEP’s, SSI, SSC Alerts, Periodic reviews, Financial crime, and Complex investigations.

Excellent knowledge and use of Salv, Zendesk, Norkom, Detica, Netreveal, OWS, Global payment system, GPI, SCION, SWIFT, Fircosoft, Actimize, Pathernon, Mullex, CRM, T24, JIRA, Eastnets, Edge, IBIS, Zenit, GMP, ViewIT, Flexcube, World check, World check 1, Dow Jones, Factiva, Companies House, String Searches, Bloomberg, D&B, Lloyds Intelligence etc.

Proficient in Financial Crime Investigations, Enhanced, manual alerts and AML typologies

Expertise on 4 eye and 6 eye checks

Strong Stakeholder Management & MI reporting

Knowledge on Manual testing and Agile Methodologies

Work Experience:

Blackthorn - Financial Crime Specialist Aug 2023 – Sep 2023

Role:

Investigating TM & Sanctions related alerts

Clearing Backlog

Investigating allegations and escalating to MLRO

Investigating transactions to identify Financial Crime, Fraud, Money laundering and Sanctions risks

Country risk analysis, Identifying procedural gaps

Recommendations on policy and procedures

LHV Bank - Transaction monitoring Specialist Jan 2023 - July 2023

Role:

Investigating L1 & L2 alerts

Reviewing and conducting alert investigations

Clearing Backlog and BAU alerts within SLA timeframes

Identifying transactional nexus to Sanctioned /CIS countries, Financial Crime Red Flags, Money laundering and other typologies

Identifying SOW/SOF & performing open-source searches on individuals and entities

Raising SAR’s

Provided recommendations & summary for termination of business relationship.

PWC – NatWest Bank - Transaction monitoring April 2022- Jan 2023

Role:

Investigating alerts alerted on automated transaction monitoring system.

Reviewing and conducting L1 & L2 alert investigations.

Clearing Backlog and BAU alerts within SLA timeframes.

Validate the information within KYC records.

Identify business through personal accounts and escalate to L2.

Identifying Financial Crime Red Flags, reviewing Triggers and Alert to manage risk mitigations.

Determine whether activity is usual or suspicious for associated accounts.

Deloitte - CITI Bank – KYC Case Manager Feb 2022- April 2022

Role:

Clearing the backlog for KYC reviews

Analysing the country of registration, domicile countries

Validate the information within KYC records and Customer Identification Program (CIP) documents.

Create and maintain KYC records by obtaining information from internal and external sources

Ensure KYC records incorporate local regulatory requirements / Global Business Support Unit (BSU) Standards

Liaise with Relationship Management and Compliance teams to update system information from initiation to approval of KYC record completion.

Analysis of ownership structure/layered entities and classifying these entitles under the relevant risk ratings.

Identifying SOW/SOF & Performing screening on individuals and entities

Analysing transactional information to identify risks, trends and suspicious activity.

Building end to end files, assessing key risks, and conducting plausibility analysis of customer KYC

Completing High Risk Investigation escalations

Ghana International Bank – Trade finance Screening Sep 2021- Nov 2021

Role:

Project support to clear backlog on Trade finance related transactions

Reviewing Trade finance documents

UBO identification and other parties involved in the transaction/trade.

Screening Client & parties involved in transaction.

Training the analysts & Performing QC checks

Identifying gaps in process and procedures

Bank ABC – Transaction monitoring SME Mar 2021 - Aug 2021

Role:

Manging queues relating to Customer screening and Transaction monitoring alerts on daily basis

Investigating alerted transactions in Trade finance on SIRON

Analysing Bill of Lading, Commercial Invoices, Dual-purpose goods, purpose of transactions, High risk country trade aspects and Trade finance approved documents.

Investigate by using internal and external systems / tools, screening searches to determine whether activity is usual or suspicious for entities accounts.

Mitigating risks & disposition of alerts with a detailing investigation, supporting rationale & evidence.

Any unusual activity / suspicious activity identified, compose a UAR/SAR report to MLRO.

Performing QC - 4 eye checks

MI reporting & reconciliation

DNB Bank UK – Transaction monitoring Officer Jan 2020-Feb 2021

Role:

Analysing alerted transactions for potential Money Laundering and Terrorist Financing risks.

Managing/ escalating confirmed suspicious activities to the SAR Unit formally.

Assessing risk mitigating controls, identification of gaps and weaknesses in programs.

Analysing the TM Roadmap information, identify risks, trends, and potential suspicious activity.

Disposition of alerts with a detailing investigation, supporting rationale & evidence.

QC and 4 eye checks for real time screening payments.

Conducting reviews on Level 2 escalations.

Record maintenance of all actions undertaken.

Scenario and Process re-engineering and streamlining the current Sanctions and Transaction monitoring.

Policy and procedure recommendations according to compliance, regulatory and governance standards.

Engaging with relevant internal and external stakeholders (NCA, Police, HMRC, DWP etc).

FBN Bank UK - Compliance Operations April 2019- Jan 2020

Role:

Drafting Policy and procedure recommendations.

Process re-engineering and streamlining Transaction monitoring & QC procedures.

Risk analysis and QC framework.

Assessing, designing, and implementing enhanced TM scenarios.

Assessing the risk exposure of the bank and identifying control enhancements.

Monitor for trade-based money laundering, new typologies, sanctions, suspicious/unusual activities, terrorist financing, tax evasions, bribery etc. concerns.

Investigating alerts alerted on automated transaction monitoring system.

Perform adverse media/negative searches for high-risk industries, clients, jurisdictions, PEP etc.

True match, sanctions, suspicious and unusual activities when identified, drafting ISAR, SAR reports.

Recommending exits and drafting exit summary to remediation team.

Training and 4 eye quality checks.

Liaising with Relationship managers & middle office operations teams.

Santander - QC Analyst - Transaction Monitoring Nov2018 – Feb 2019

Role:

Perform 4 eye check on all investigated alerts of Corporate, Commercial, Investment Banking, Vostro, Nostro, Card, Markets client accounts and Cheques.

Undertaking quality checks on Enhanced and Manual alert investigations.

Manage the exemption approvals for Santander invoice finance, administered account alerts.

Ensure the appropriate action is undertaken where a true match is identified, unusual activity identified.

Approve escalations of SAR/UAR’s to SARU team.

Recommend the case to compliance teams, NCA.

Liaise with Transaction monitoring, CRA teams and relevant departments.

Provide feedback to respective individual/ team and maintaining records.

Identify gaps, recommend process alignments, and change implementation.

Drafting policy and procedures and signoff.

Crowns Agents Bank – Transaction Screening and Monitoring officer April2018–Oct 2018

Role:

Manage the queues for sanctions and transaction monitoring alerts on daily basis.

Ensure all alerts are actioned within the required time frame

Ensure the appropriate action is undertaken where a true match is identified; sanction matches must be raised to the AFC/MLRO.

Perform detailed analysis/investigation of complex transactions and adverse media to identify potentially suspicious activity such as structuring and high-risk wire activity.

Preparing SAR/UAR’s and escalate to NCA/relevant authorities.

HSBC - Global Sanctions & Compliance officer Sep 2017 – April 2018

Role:

Investigating complex Level 3 Sanctions alerts.

Determine whether the alert is a True Match or False Positive by following the Global Standards for L3 Sanctions Alert investigations.

Discounting alert hits against the global list, internal lists, world check entries for US nexus, SSI, or sanction concerns.

Real time payment and vessels screening

Escalate all True Matches to the relevant Country Sanctions Officer/Head of AML.

Gap analysis to identifying sanctions related Risk Concerns and Potential Breaches.

Approving Payments, Returns, Rejections, Freeze under the country sanctions officer’s delegation.

Liaising with Payments Investigations Teams, Branch, MLRO, Country & Regional country sanctions officers.

METRO Bank – Account Opening specialist Dec 2016 – Sep 2017

Role:

Conduct due diligence, screening on new and existing customers

Analyse KYC/KYB profile, ownership structure, PEP/associated PEP’s, SOF/SOW, nature of business, trading counter parties, detriments to the company, SPV, SPE, trusts etc.

Perform risk score, screening and analysing credit reports from Experian, Equifax.

Prepare PEP / Adverse Memo Submissions for review and approval from Triggers.

Ensure all required documentation is completed prior to opening accounts.

Conducting Periodic and Event Driven Reviews.

HSBC- AML/Transaction Monitoring Analyst April 2010 – Sep 2013

Role:

Perform investigation analysis on system generated alerts.

Determine whether activity is usual or suspicious for entities accounts & reporting UAR/SAR.

HSBC - Payments Analyst April 2009 – April 2010

Role:

Final QC checks on approved mortgages, Releasing Mortgage payments

Screening relevant parties to ensure no breach of sanctions, embargoes, AML /compliance.

First direct – Mortgages March 2008 –April 2009

Role:

Electronic Funds Transfer, Valuation Instructions, Sanctioning, Redemption Quotation, Charge Registry & Security releasing processes.

Mortgage, documentation fraud

Education & Certification

Business Administration – University of Hertfordshire.

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