Akash Chacko Biju
London
Summary
Client Lifecycle Management (CLM) and KYC/AML professional with 4+ years' experience across Corporate, Institutional, SME and Retail Banking. Skilled in end-to-end client onboarding, periodic and event-driven reviews, quality control and ongoing monitoring across complex entity structures including Corporates, Financial Institutions, Funds, SPVs, Trusts, Foundations and Charities. Experienced in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), sanctions and PEP screening, adverse media review and Bribery & Corruption (ABC) checks. Analytical, control-focused and adaptable, with a strong ability to manage high case volumes, prioritise competing deadlines and drive continuous improvement in onboarding processes.
Overview
1
1
Certification
6
6
years of professional experience
Work history
Senior Associate, Client Onboarding
State Bank of India, UK
London, United Kingdom
2025.01 - Current
- Lead end-to-end onboarding of new-to-bank SME and Retail clients, ensuring full compliance with UK AML/KYC regulations and internal policy requirements.
- Coordinated onboarding activities with relationship managers, operations, compliance, and MLRO teams, ensuring alignment with regulatory requirements and adherence to business timelines.
- Conduct risk assessments to determine appropriate levels of due diligence in line with UK AML regulations and internal policies.
- Performed Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), including ownership analysis and source of funds/wealth assessments, to mitigate risk and ensure compliance with regulations.
- Managed account openings, amendments, and client data updates across multiple banking systems to ensure accurate and compliant client information.
- Review adverse media and negative news, assessing materiality and documenting risk-based outcomes.
- Perform CIFAS fraud checks and ensure GDPR-compliant handling of client data.
- Support internal quality checks, file reviews and audit readiness activities.
- Act as Single Point of Contact (SPOC) for the automation of SME onboarding, driving process improvement and control enhancements.
Client Lifecycle Management Specialist
HSBC
Bengaluru, India
2022.02 - 2024.09
- Managed onboarding, periodic reviews and ongoing KYC maintenance for Corporate and Institutional Banking clients across the UK and France.
- Acted as key point of contact for Relationship Managers to obtain KYC, tax and regulatory documentation.
- Liaised with Compliance, Financial Crime, Legal and Operations teams to confirm documentation requirements and policy interpretation.
- Conducted EDD, sanctions, PEP, adverse media and Bribery & Corruption (ABC) assessments.
- Ensured adherence to AML policies, regulatory timelines and escalation procedures.
- Reviewed and approved customer files in line with internal quality and risk standards.
- Supported complex client structures including Corporates, Funds, SPVs, Trusts, Foundations and Investment Managers.
- Participated in remediation exercises, internal audits and regulatory reviews.
- Developed MIS reports for management, monitoring KPIs, KRIs, case volumes and turnaround times to support informed decision-making.
Business Development Associate
Verzeo Edutech Private Limited
Bengaluru, India
2020.11 - 2022.01
- Led a team within the lead generation function, providing prospective client leads for the sales team.
- Generated high-quality leads, achieving an average 8% monthly conversion rate.
- Managed client engagement and post-sales queries ensuring customer satisfaction.
- Delivered marketing campaigns and supported student acquisition through remote channels.
- Managed multiple priorities and deadlines in a target-driven environment.
Education
Master of Business Administration - Finance and Marketing
Ramaiah Institute of Technology
Bengaluru, India /2018 - /2020
Bachelor of Engineering - Electrical and Electronics Engineering
College of Engineering, Adoor
Kerala, India /2013 - /2017
Skills
- Analytical thinking
- Negative news screening
- Source of Funds/Wealth Analysis and Beneficial Ownership Analysis
- PEP, Sanctions and Adverse Media Screening
- Risk Assessment and Escalation
- AML and GDPR compliance
- Ongoing Monitoring and Periodic Reviews
- Stakeholder communication
- Case management
- Project management
- Tools: MS office suite, WorldCheck, Avox, Bankcheck, Experian, Onfido, Finacle, Orbis, LexisNexis, GBG ID3 global, CIFAS and CRM platforms
Certification
- Customer Due Diligence: AML Controls & Procedures – Udemy.
- HSBC Internal AML, FCC & Compliance Training (2022–2024).
Additional Information
- Strong understanding of regulatory and reputational risk.
- Excellent verbal and written communication skills.
- Fluent in English and Hindi
Timeline
Senior Associate, Client Onboarding
State Bank of India, UK
2025.01 - Current
Client Lifecycle Management Specialist
HSBC
2022.02 - 2024.09
Business Development Associate
Verzeo Edutech Private Limited
2020.11 - 2022.01
Bachelor of Engineering - Electrical and Electronics Engineering
College of Engineering, Adoor
/2013 - /2017
Master of Business Administration - Finance and Marketing
Ramaiah Institute of Technology
/2018 - /2020