Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Harleen Kaur

Montville,NJ

Summary

  • Detail-oriented KYC Analyst with a strong background in project management, AML Fraud/Risk Compliance Governance, and various financial regulations.
  • Skilled in driving cross-functional teams to apply best practices in banking regulations for AML/KYC.
  • Experienced in handling client requests and delivering high-quality work with a focus on BSA/AML investigations and compliance.
  • Analytical thinker and problem solver adept at interpreting complex regulations to make accurate operational decisions, with a track record of evaluating compliance issues and improving operational performance within organizations.
  • Specialized knowledge in consumer banking, small business banking, and managing risk for Anti Money Laundering (AML) and Anti-Terrorist Financing (ATF) in alignment with regulatory standards.
  • Proficient in project management, governance, compliance, and resiliency programs to ensure operational excellence and regulatory adherence.

Overview

24
24
years of professional experience
1
1
Certification

Work History

KYC Middle Officer

J P Morgan Chase
06.2022 - 05.2025
  • Responsible for end-to-end middle office operations for the Know Your Customer in accordance t9o BSA (Bank Secrecy Act) and within the EDD (Enhanced Due Diligence) guidelines.
  • Prioritized New Business/Renewals for Front Office providing periodic progress updates of key client onboarding.
  • Established strong relationships across the Business, Risk, Technology, Portfolio Managers, Compliance, Controls, Risk, Client Service teams, Operations and other support groups ensuring positive business results.
  • Collaborating with the upstream and downstream teams to drive and design comprehensive solutions that meet business requirements keeping the risk and controls framework in place.
  • Partnered with the Front Office teams in ensuring all documentation received from clients is in order, to fulfill KYC due diligence. Evaluating documentation for accuracy, completeness and compliance with Anti Money Laundering, Local and Corporate Due Diligence requirements.
  • Assisted in conducting regulatory compliance review of Bank Secrecy Act, U.S. PATRIOT ACT and reviewed the implementation of regulations specific to OFAC as well as regulatory guidance.
  • Stayed abreast of any process, procedures, regulatory changes to ensure impacts are communicated to our business partners ensuring that control framework is put in place to avoid and mitigate risks.
  • Escalated and addressed issues swiftly to mitigate external client delays or errors.
  • Partnering with multiple stakeholders for identifying and managing operational risks, execution, and monitoring of controls.

KYC and Compliance Analyst

Bank Of America
07.2015 - 06.2022
  • Partnered with the Central Governance & Reporting team for Customer Due Diligence & Anti Money Laundering
  • Interfaced with internal audit and external examiners as needed to explain the control environment and scope of Know Your Customer and Customer Due Diligence reviews.
  • Ensured operational practices are in compliance with relevant risk standards, policies and regulations to maintain an effective control environment
  • Collaborated with the Control Manager on control improvements and new control initiatives and ensure they are embedded into the team
  • Performed root cause analysis on errors and partnered with impacted stakeholders to develop key controls to validate the remediation and adherence to standards.
  • Established, executed and tracked controls measures in the team and tested to ensure adherence
  • Participated in process improvement program discussions and contributed with new initiatives, propose ways to measure the initiatives which were risk approved
  • Assisted with periodic procedure reviews for existing processes, as well as those for new processes created to ensure a controlled environment around the change management process
  • Monitored adherence to industry regulations, ensuring timely reporting of any discrepancies or violations.

Business Analyst

Naam INC
04.2014 - 07.2015
  • Interacted with the business users and gathered requirements for the business definition.
  • Worked on projects which used Rational Unified Process (RUP)and Waterfall methodologies.
  • Acted as a Subject Matter Expert (SME) on many occasions to explain in brief to the business users about the internal systems.

Coordinator – Operations and Finance

Sehaj Inc
10.2008 - 12.2013
  • Analyzed financials and provide inputs around opportunities to effectively spend or save money.
  • Assist with accounting activities and departmental needs.
  • Identify & fix issues regarding business plan, cash flow analysis, and revenue projections
  • Complete and report on accounts receivables, accounts payables, and other financial operations.
  • Audit & approve payroll for both bi-weekly and salaried employees.
  • Prepare financial presentations for top-level management
  • Manage fixed assets and help with purchasing activities.

Business Analyst

Sears
05.2005 - 10.2008
  • Project managed the requirement of system enhancements by liaising with the operations, technology and business to lay out expectations and requirements for the build.
  • Assisted with reviewing test scripts to ensure all functional requirements are being met and helped in prioritizing the defects.
  • Wrote various SQL queries in MS Access for data manipulations and Jira for tracking the progress of the project and entering the bugs into it.
  • Partnered with application developers to create optimized queries. Creating database triggers for automation.
  • Extensively involved in the User Acceptance Testing phase to ensure the requirements and functionality of the system was in accordance to the users and their feedback was incorporated.
  • Collaborated with the QA team in designing the test plans and cases to perform UAT

Financial Analyst

HDFC Bank, Mumbai, India
04.2001 - 03.2005
  • Improved and implemented customer risk rating criteria with KYC management and procedure for both consumer and corporate customer.
  • Adhered compliance with banking laws and reported suspicious entries and actions.
  • Successfully completed obligatory training (Bank Secrecy Act /Anti Money Laundering) on schedule.
  • Interfaced with internal audit and external examiners as needed to explain the control environment and scope of Know Your Client, Customer Due Diligence, and Enhance Due Diligence reviews.
  • Constructed, communicated and disseminated training framework and curriculum to enhance expertise and upskill teams

Education

Bachelors of Commerce - B. Com

University of Mumbai
Mumbai, India

Master’s - Business Management

Skills

  • Project Management
  • Strategic Management
  • Excellent Communication
  • Skills - Risk and Controls
  • Stakeholder Management
  • Relationship Building
  • Process Re-engineering
  • Education

Certification

  • Six Sigma Green Belt Certified
  • Project Management- Lean Process Certified
  • Certified course in AML

Timeline

KYC Middle Officer

J P Morgan Chase
06.2022 - 05.2025

KYC and Compliance Analyst

Bank Of America
07.2015 - 06.2022

Business Analyst

Naam INC
04.2014 - 07.2015

Coordinator – Operations and Finance

Sehaj Inc
10.2008 - 12.2013

Business Analyst

Sears
05.2005 - 10.2008

Financial Analyst

HDFC Bank, Mumbai, India
04.2001 - 03.2005

Bachelors of Commerce - B. Com

University of Mumbai

Master’s - Business Management

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