Janani Sudhakaran

• Review enhanced due diligence for both new and existing higher risk clients including analyzing corporate structures and other documentation.
  Analyze and escalate negative news.
  Determine and provide guidance on the appropriate client risk ranking based on the risk factors such as jurisdiction, client type, country of risk, etc.
  Review of client accounts for potential matches to designated sanctions targets and prohibited persons lists.
  Engage various third-party and internal databases to assist with due diligencesSearches.
  Develop an understanding of anti-money laundering regulations, policies, and
  procedures.
  Experience in regulatory compliance, including KYC, EDD and PEP Screening .
  Work on OFAC/ GFC findings and evaluate clients before onboarding and later monitor the clients based on guidelines and escalate any money laundering /risk contributing factors.Managed time efficiently in order to complete all tasks within deadlines.
• Passionate about learning and committed to continual improvement.
• Proven ability to learn quickly and adapt to new situations.

• Provide additional support with the AML compliance organization on more complex issues, including research techniques and capabilities, as well as other solutions
• Utilise Proprietary and online software/databases such as World-check, D&B, CLEAR
• Review system alerts and the impact on EDD processes, research, and document results
• Generate documentation for customer identification and negative news compilation of data
• Itemize fraud repeat and financial activities of high-risk customers
• Reviewed negative news and OFAC/ Watch List/ PEP alerts
• Verify all aspects of Client Identification Program (CIP) and necessary account opening documents are in accordance with KYC, and standards set by USA Patriot Act and Bank Secrecy Act
• Provide underwriting decision to either approve or deny loan to meet bank guidelines.
• Reviewed Assets, Income, Credit and Collateral to make accurate decision on the loan files
• Make informed risk assessments and recommendation based on the analysis of collecting data presenting findings and decision making
• Access changes in customer risks through ongoing CDD transactions monitoring, and periodic reviews of customer files.
• Maintain a current understanding and knowledge of AML, KYC, Due Diligence, and financing issues, policies, and procedures .
• Analyses of both quantitative and qualitative data in finance statement to produce in-depth and high-quality written reports that provide assessments of financial crime such as money laundering, bribery, corruption, fraud, tax evasion, sanctions, and terrorist financing
• Performed name and account research based on lists and reports provided through established resources to determine if evidence of money laundering activities exists.
• Worked effectively in fast-paced environments.
• Managed time efficiently in order to complete all tasks within deadlines.

07/ 2020 - 06/ 2022

Ram Tax & Accounting, Udhagamandalam, Tamil Nadu, India

• Verify consumer or business information to streamline compliance with CIP and KYC to know customer regulations. Identify risks associated with financial crimes like money laundering and terrorist financing while providing valuable insight into customer profile. Prepared documentation and records for upcoming audits, underwriting, due diligence and inspections.
• Implementing AML procedures, access daily fund flow activity and prepare reports. Evaluating company's financial performance compared to overall industry and market trends and audit project through wrap-up and final report delivery.
• Developed solid understanding of tax codes through continued research and training. Use research tools like LexisNexis, World Compliance, Bloomberg etc. Reviewed audit and monitoring reports related to consumer and client activities.

• Work in partnership with peers across Finance, Technology, Operations, Sales & Trading of both Run the Bank (RTB), Change the Bank (CTB) initiatives, Risk and Compliance
• Work with high performing teams, clients and market experts in banking and capital markets, asset management and insurance to establish audit objectives and scope of business, establish the engagement budget; and lead the overall execution of the audit project through wrap-up and final report delivery
• Work on integrated approach to critical Know Your Customer (KYC) and Customer Due Diligence (CDD) workflows
• Identify risks associated with financial crimes like money laundering and terrorist financing while providing valuable insight into customer life events and changes
• Verify consumer or business information to streamline compliance with CIP and KYC to know customer regulations
• Isolate customers with high-risk profiles and stay ahead of anti-money laundering (AML) regulatory requirements
• Account onboarding, monitoring and investigations and prone to BSA/AML
• Work on data to fully structure, aggregate, and de-duplicate
• Work on hidden risk, including ultimate beneficial ownership, sanctions, and state ownership
• Work closely with knowledge of credit facilitation, billing, invoicing, remittance processing, collections management, dispute resolution, reporting and analysis
• Identify connections between Specialized Industries business opportunities, challenges and underlying data such as banker activities, sales metrics, campaigns, initiatives etc
• Ownership of ad-hoc growth strategy projects to identify opportunities to improve national share and key revenue drivers across multiple industry specializations
• (Based on the business sector and group level fun flow)
• Work closely with CB Data & Analytics group and national finance & business management to check fund and market standards
• Identify, Design, implement new controls and processes which is required to keep up to date with new policies and standards and best practice
• Proficient in tools such as Microsoft Excel, PowerPoint, Confluence, Scrum & Agile
• Involvement in Strategy Initiatives and Projects prioritized by senior Finance and Business Unit management
• Support cross-workstream and portfolio planning efforts for the assigned deliverables and providing expertise to efficiently work across multiple business and technology
• Actively manage banking relationship through an advice-based approach, ensuring each client receives the best products, services for their needs
• Demonstrate success using value-added, relationship-oriented approach that helps to acquire and deepen client relationships
• KYC documentation, BASIL reporting and procedure analysis
• Partnering with the Commercial Bank's Risk and Compliance officers to ensure comprehensive support
• Evaluating company's financial performance compared to overall industry and market trends
• Documentation, verification, creation, and maintenance of Client Reference Data/Party Reference Data Information in RCT (Group Referential Database) to validate customers are in compliant as per the SG KYC requirements
• Ability to work on multiple projects at one time and prioritize effectively
• Gathering, Identifying, and documenting business requirements and develop functional solutions to business problems through interactions with stakeholder contacts
• Hands-on experience in documenting business requirements in BRD, transforming requirements into functional specifications and documenting
• Creating Release and Go live documents, Defining the Testing plan, Test Scenarios and Validation of Test Cases, Root Cause Analysis of defects/bug and preparing reports
• Create detailed UAT test plans, testing scenario, test cases and documents for implementation of new Control/Reports, Manage the tracking and resolution of defects along with the reporting of UAT execution results
• Recording of defects, with evidence to enable investigation by development Teams for resolutions
• Assisted in the creation of data extract dashboards for real-time monitoring of performance and improve workflows, creating data mapping of attributes based on the requirements
• Analyzing the existence of the Third Party, Validation of regulatory attributes in RCT (Group Referential Database) including Client Existence, Business activity codes of legal entity (NACE, NAER, CTR, and NESSG), Grouping Structure, External Identifiers (Sirene ID, Reg ID, LEI)
• Validates transactions for system or operational changes to ensure operational integrity and compliance regulations are maintained overall
• Regular catch up with other Ref data teams as part of knowledge sharing sessions, Conducted Weekly sessions with business managers, requesters regarding rejection analysis and improvement initiatives
• Perform supervisory reviews of completed and rejected work cases and provide feedback to the QA team
• Responsible for overseeing the day-to-day operations of the Quality Check team, distributing workload
• Preparing daily and monthly KPI, KQI for the team and publishing it to the Stakeholders
• Conducted Weekly sessions with project managers regarding rejected cases and improvement initiatives
• Identified sourcing of documents from various national registries and regulator websites with the help of RPA (Robotic Process Automation) tool, worked closely with Automation Process Lead towards translating business problems with viable solutions
• Tested the migration of daily BAU tasks from data management workflow (DMW) tool to Business Process Management tool (BPM)
• Gathering business requirement, implementing new features based on discussion with leads and business owners.

• Worked for different Banking Clients (Deutsche Bank, PIMCO, JP Morgan, Morgan Stanley) and focused on Key areas of Credit Risk, KYC and banking solutions
• Knowledge of corporate finance, securities, financial markets, Risk portfolio & pricing analysis
• Ability to manage multiple projects simultaneously
• Responsible for a variety of key functions, including client service, data integrity, efficient front-to-back processing, and expense management
• Protects the businesses to ensure compliance to rules and regulations, navigating, evolving regulatory landscape and innovation process to reduce operational and conduct risk
• Financial modeling, valuation, comparable & relative value analyses and market-specific analysis
• Prepare comparable credit analysis and price convertible securities
• Examine the strategic and financial merits of proposed transactions including tax, accounting, and cost of capital impact
• Draft client pitches and marketing materials including M&A, Advisory and Capital Markets
• Assist in financing structuring, underwriting transactions, due diligence, and execution
• Plays an integral part in achieving the Cash Management income plan through the acquisition of new business across by means of Payments, Transactional FX, and Liquidity solutions
• Check risk functionality for products like Hedge funds, FX & OTC products
• Creation, Verification, and maintenance of Static data/Reference Data of products like Equity, Fixed income, Derivatives, Money markets instruments in WINS mainframe system
• Support and advise real estate companies and sponsors on capital raises in the public and private markets, strategic and partnerships to optimize capital structure
• Record and analyze lead execution of live transactions including preparation and analyzing the key attributes of client companies
• Apply advanced financial, economic, quantitative, and qualitative methods, and principles to evaluate and execute acquisitions, financings, and equity raising transactions
• Work closely with critical support functions such as transaction execution, including credit onboarding, credit underwriting, and financial modeling and analytics
• Create periodic market updates for internal and external distributions
• Coordination and report development with internal client, Credit and Risk teams
• Managing client relationships, and executing mandated assignments in quality, M&A, loans, high yield and convertible securities transactions
• Ensure all requests related to Static Data/Reference Data maintenance and remediation for our clients and regional service teams located in UK, Dublin, EMEA and Luxembourg are completed within the defined SLA
• Mailbox support management for 4 regions - UK, Dublin, EMEA & Luxembourg Handle escalations and client queries within the defined SLA
• Hands-on experience in data extraction from Bloomberg, Reuters, Euro Clear, Cusipweb and ICE
• Client Adoption activities (CAG) for new entities and counterparts
• Handling Vendor Management (Reuters Data Notifications and BBG Notifications)
• Act as a Compliance Officer for Third Parties belonging to Hong Kong, based on trades like DVP (Delivery Verses Payment and Spot Trades).