Summary
Overview
Work History
Education
Skills
Accomplishments
Personal Information
Timeline
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Gaurav Dhamija

Gaurav Dhamija

Warsaw,Poland

Summary

Having a total of 16 years of experience with Service providers and Investment Banks of which starting 7 years has been with Services providers in various fields and remaining with Investment Banks. KYC carries highlights includes KYC‐AML, Transaction Monitoring and Credit Underwriting where "I" worked in Client Onboarding Diligence, Periodic review, Modifications teams supporting APAC and EMEA region hub by playing the role of Quality Control, Checker, SME, Trainer and Team lead. Experienced in the field of fraud oversight and financial crime investigation to ensure end-to-end compliance with the regulations, to identify the unusual pattern, trends in the field of financial crime and staying ahead to protect the organization from potential anomalies

Overview

18
18
years of professional experience

Work History

KYC Operations Intmd Analyst

Citibank Europe PLC
07.2023 - Current
  • Member of the remediation team of the CDD Project and supporting Global Wealth Management
  • Drafting and gathering of client documents and verification of client data via publicly available and internal sources and Monitoring customer’s recent Transactional activity during AML process.
  • Completing documentation with specific processes inclusive of Customer Identification Program (CIP), Enhanced Due Diligence (EDD), Account Due Diligence (ADD) and Product Due Diligence.
  • Verify that Sanctions, Politically Exposed Persons (PEP), Senior Public Figure (SPF) and Adverse Media/Negative News screening has taken place using appropriate systems.
  • Providing a guidance to the team, solving complex problems, making informed decisions, updating the procedure and ensuring the accuracy and quality of work.
  • Provide training to new joiners and taking care of their queries on their day to day KYC tasks.
  • Responsible to keep a track on QA remediation cases.

Specialist

Standard Chartered Bank
05.2022 - 02.2023
  • Review and analyze US correspondent banking transactions for unusual activity generated from detection scenario processes, negative media reports and referred by internal and external sources
  • Identify, research and escalate unusual activity, performing data-entry related to tracking and documenting all investigative steps
  • Manage the investigative process from initial intelligence, through collaboration, to final disposition in accordance with all applicable regulations and SCB policy
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters
  • Thoroughly and timely review reports and other investigative leads that potentially identify suspicious activity
  • Providing guidance, direction, assistance, and feedback to team members in determining the best approach and risk management in assigned projects
  • Formulate and recommend final decisions as Senior Investigator with respect to matters presenting higher complexity, sensitivity and risk
  • Supporting Investigation Specialist in Oversight and decisioning of AML investigations by providing subject-matter expertise
  • Support Associate Managers in the effective engagement of FCC management, internal audit and quality-assurance staff, and regulators, concerning the FCC AML investigations.

KYC Operations Senior Analyst

Citibank Europe PLC
01.2021 - 04.2022
  • Played role of Acting Team Lead
  • Performing KYC review (CDD and EDD) on all different types of entities (Regulated, Listed, Private SPV and
  • Etc.)
  • Performing independent checks and reviews of KYC information regardless the level of due diligence (CDD & EDD)
  • Performing background checks/Screening on clients and related parties by using Factiva & Ness Screening
  • Escalate any red flags/ EDD trigger to relevant Compliance desk and obtained their approval/clearance by providing mitigation points
  • Liaising with the Direct Client, Front office, Operations Teams and Compliance for review completion via emails & calls
  • Assisting with Quality review to ensure that information obtained is consistent with AML/Bank Policy and procedures
  • Assisting team for their queries related to process & KYC applications
  • Being SME providing training to teams like Periodic review, Modifications and On-Boarding and solving their queries across location
  • Providing trainings to Team members and taking care of queries and new joiners and taking care of queries not only for my team but all the team locating in same location
  • Developing strong working relationship with Relationship Manager, Compliance Team and other operations team and taking the full ownership from starting to end to make sure KYC file is completed on time.

Senior Analyst

WIPRO
03.2017 - 01.2021
  • Was on the Payroll of Wipro but was providing service / Working for Citibank
  • Played the Role of Acting TL
  • Serving as a local point to communicate and resolve interface and integration issues with other teams
  • Driving the productivity and quality of the team
  • Handling client’s escalation & working as Bridge between Sales Team & my team along with that Handling Sensitive Sales escalations related to client adoption on behalf of the team
  • Determining the Ultimate beneficial owner (UBO) for institutional investors
  • Escalation of high risk/negative information in accordance with CITI Bank policies to AML Compliance
  • Reviewing Private entities, Government bodies, SPV, Funds, Trust, Regulated, Listed, Sub of Listed entities
  • Performing deep scrutiny in Google for latest information/news related to the client
  • Managed Operations, learning and development activities and status reporting to handle ongoing delivery
  • Created dashboards to monitor and track key performance indicators.
  • Planning and Organizing: Able to plan and organize own and / or team activities, priorities and handle contingencies to meet set goals and objectives.
  • Mentored junior analysts, fostering professional development while enhancing overall team performance.
  • Investigated system issues and implemented resolutions to reduce downtime.
  • Provided expert advice for senior management, contributing to informed decision-making and strategic planning.
  • Played a pivotal role in the successful completion of high-stakes projects by providing crucial analytical support and insights.

Process Supervisor

Deutsche Bank
07.2013 - 03.2017
  • Proven skills in managing work in sync with the corporate set parameters for achieving business and individual goals
  • Liaising with Client for procurement of documents / information for setting up of trading accounts for various products like Cash equities, fixed income, Commodities& Derivatives
  • Performing pin to pin investigation (due diligence) of Fund manager (Principal Party) and Agent (underlying principal)
  • Performing Enhanced due diligence of every FII who all want to trade in NYSE
  • Determining the Ultimate beneficial owner (UBO) of institutional investors
  • Escalation of high risk/negative information in accordance with DB policies to AML Compliance
  • Reviewing Private entities, Government bodies, SPV, Funds, Trust, Regulated, Listed, Sub of Listed entities
  • Through due diligence it has to be verified whether this FII is high risk entity or low risk entity.

Process Developer

Genpact India
09.2006 - 07.2013
  • Credit Underwriting: To perform compliance checks on prospective and existing customers of entire GE Capital Americas that they should not be utilizing money in conducting Money Laundering Activities like Terrorism, Smuggling, drug peddling
  • To Investigate and track companies involved in Money Laundering Activities and Irregular Business Practices
  • Part of the EF Credit underwriting team with approval authority of over $150k and exposure of over $1mm
  • Transaction Monitoring: Experienced in handling Suspicious Monitory Transactions and reporting the same to IRS (Internal Revenue System) as per AML, KYC, and Bank Secrecy Act & US Patriot ACT
  • Performing research on all the transactions which are greater than $10,000 for any suspicious Anti money laundering activity
  • Reviewing account activity as per Anti Money Laundering, KYC, Bank Secrecy Act and US Patriot Act guidelines.
  • Established standard operating procedures for consistent process execution and easy knowledge transfer among team members.
  • Enhanced process efficiency by identifying bottlenecks and implementing optimization strategies.

Education

Bachelor of Commerce -

Delhi University
01.2009

Senior Secondary -

CBSE Board
01.2006

Secondary -

CBSE
01.2004

Skills

  • Team Management & Crisis management Operations
  • Data Management & Data Analysis
  • Coordination for different tasks at same time
  • Process knowledge of KYC & AML guidelines (Client on Boarding)
  • Credit Risk review & Due Diligence
  • Motivating team members
  • Client Interaction, where required at level of Supervisors
  • Analytical Thinking
  • Team Collaboration and Leadership
  • Regulatory Compliance
  • Risk Analysis
  • Root Cause Analysis
  • Deadline Adherence

Accomplishments

  • Rewarded with “Employee of the Month” three times in row in Wipro
  • Rewarded with “Global Hall of Fame “which is given to top performer working for specific region across globally
  • Rewarded with “Spot Award” in Deutsche Bank (1st and 2nd Quarter).
  • Rewarded with “Employee of the Month” in Deutsche Bank (3rd Quarter).
  • Won Bronze award for my Quality work and got lot of applications from Higher Management, Clients and Offshore Teams

Personal Information

Date of Birth: 12/07/1987

Timeline

KYC Operations Intmd Analyst

Citibank Europe PLC
07.2023 - Current

Specialist

Standard Chartered Bank
05.2022 - 02.2023

KYC Operations Senior Analyst

Citibank Europe PLC
01.2021 - 04.2022

Senior Analyst

WIPRO
03.2017 - 01.2021

Process Supervisor

Deutsche Bank
07.2013 - 03.2017

Process Developer

Genpact India
09.2006 - 07.2013

Bachelor of Commerce -

Delhi University

Senior Secondary -

CBSE Board

Secondary -

CBSE

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Gaurav Dhamija