Pankaj T

AML Analyst – Financial Crime Compliance

Oct 2023 - Dec 2025 • 2 yrs 2 mos

I am a Risk & Compliance Professional with over 14 years of experience in Banking and Financial Services, including 2 years as an AML Analyst and 12 years in core banking operations. As an AML Analyst, I have handled end-to-end KYC/CDD/EDD reviews, sanctions and PEP screening, adverse media checks, and customer risk assessment. I have worked on identifying suspicious patterns, reviewing complex ownership structures, and preparing detailed case investigation reports aligned with regulatory guidelines. Key Achievements: • Conducted 1,500+ KYC and EDD reviews with 99% quality accuracy • Identified high-risk customers through sanctions and adverse media screening • Successfully supported internal audit and compliance reviews with zero major findings • Reduced case review turnaround time by improving documentation process • Assisted in remediation projects and periodic review backlogs In my 12 years of banking experience, I have managed customer onboarding, risk profiling, account monitoring, and stakeholder coordination while ensuring compliance with regulatory standards. I specialize in: ✔ AML & KYC Review ✔ Customer Risk Assessment ✔ Sanctions & PEP Screening ✔ Transaction Monitoring Analysis ✔ Risk Report Writing ✔ Compliance Documentation I bring strong analytical skills, attention to detail, and regulatory knowledge to every project. Let’s work together to strengthen your compliance and risk framework.

Personal Banker – Retail Banking Operations

Oct 2021 - Oct 2023 • 2 yrs

In addition to my AML experience, I bring 2 years of hands-on experience as a Personal Banker in Retail Banking Operations. As a frontline banking professional, I managed end-to-end customer relationships, account operations, compliance checks, and risk profiling while ensuring adherence to regulatory and internal policy standards. Key Responsibilities: • Customer onboarding and KYC verification • Account opening, documentation validation, and compliance checks • Risk profiling of individual and business customers • Cross-selling financial products (loans, insurance, investments) • Handling high-value transactions and monitoring unusual activity • Coordinating with compliance and operations teams Key Achievements: • Managed a portfolio of 1,000+ retail customers • Achieved consistent cross-selling targets while maintaining compliance standards • Maintained zero major audit observations during internal and regulatory audits • Reduced documentation errors by implementing process improvements • Successfully handled high-value customer accounts with strong retention rate • Recognized for excellent client handling and operational accuracy This experience gives me strong practical knowledge of customer behaviour, financial transactions, documentation review, and risk assessment — which directly supports my AML and compliance expertise.

Senior Executive Officer – Account Opening (CASA)

Nov 2019 - Oct 2021 • 1 yr 11 mos

Key Responsibilities: Oversaw CASA account opening operations, ensuring TAT adherence and zero documentation discrepancies. Maintained FRFC records, registers, and audit documentation in line with compliance standards. Conducted training sessions for sales teams, reducing rework and First-Time-Not-Right cases. Contributed to process standardization and operational risk reduction. Achievements. Reduced TAT in account opening by introducing checklist. Reduced FTNR(First Time Not Right) in account opening form checking by conducting training of sales executives.