Sagrika Kashap
Ebbsfleet Valley,Kent
Summary
Accomplished professional with expertise in AML and Financial Crime Compliance, specialising in Customer Due Diligence (CDD/KYC) and Fraud identification techniques. Demonstrates proficiency in PEP/Sanctions screening, ISAR writing and escalation, and Transaction Monitoring, ensuring robust Risk identification and management. Committed to Training and Coaching teams for Process Improvement while maintaining Confidentiality assurance. Aspires to drive strategic initiatives that enhance compliance frameworks within dynamic financial environments.
Overview
10
10
years of professional experience
Work history
Fraud and Financial Crime Achievement Coach
Vanquis Bank
Chatham, Kent
2025.09 - Current
- Expertise and experience in mitigating the harms associated with the threat of Financial Crime at an operating level
- Utilising techniques involved in conducting investigations into suspected Financial Crime and assessing threats as well as the ability to see connections, patterns or trends in information presented and make appropriate recommendations
- Experience in using subjective or otherwise incomplete findings to draw business context and conclusions and presenting those findings orally and in writing to senior stakeholders in a clear, concise and informative way.
- A good understanding of the current Financial Crime Prevention environment and expectations, relevant regulations and legislation.
- Excellent communication and inter-personal skills, with experience of dealing with executives at all levels.
- Responsibility for leading a team of Financial Crime officers whose role it is to review Level 1 and Level 2 screening and transaction monitoring function. Also help with the daily operational performance of the Financial Crime Team.
- Quality monitoring the flow of alerts/cases and internal requests, police and other enforcement agencies and public authorities requests in accordance with the relevant laws, internal policies and procedures.
- To review/investigate and report suspected of money laundering or terrorist financing to Level 3/ MLRO.
- Proactively review and evaluate MI, investigate trends. Collate and analyse MI information higher management.
- Process and procedure amendments and improvements
Fraud and Financial Crime Ambassador
Vanquis Bank
Chatham
2024.07 - 2025.09
- Prepare detailed reports for the Money Laundering Reporting Officer (MLRO).
- Support with customer onboarding, KYC reviews, screening, and periodic refreshes.
- Assist the second line of defence in drafting and submitting Suspicious Activity Reports (SARs).
- Handle legal and law enforcement requests, applying relevant laws, and internal policies.
- Review and escalate potential matches against PEPs, sanctions, SIPs, and law enforcement lists.
- Monitor accounts based on internal transaction rules to detect money laundering, and terrorist financing.
- Validating customer identification documentation, including passports, driving licences, and payslips.
- Investigate suspected fraud cases by engaging with customers to build detailed event timelines.
- Make informed, risk-based decisions to safeguard customers and the bank's reputation.
Financial Crime Officer
Vanquis Bank
Chatham
2020.12 - 2024.07
- Responsible for logging all requests from the police, other law enforcement agencies, public authorities, and investigative agencies.
- Working closely and collaboratively with all Fraud teams, Customer Services, CRT, Client Services, Finance, Business and Operational Risk, New Business, Compliance, and Collections departments to ensure the effective delivery of case outcomes.
- Responsible for monitoring accounts meeting the criteria of internal transactional monitoring rules to identify possible cases of money laundering, and terrorist financing. These criteria include payment monitoring, cash sale monitoring, refund monitoring, and credit balance monitoring. Report any suspicions to the second line in the form of an ISAR, where applicable.
- Responsible for reviewing and investigating matches from PEP (Politically Exposed Person), sanction, and law/regulatory enforcement lists.
- Maintain accurate records and provide an audit of all disclosures of information.
- Deal with pre-order enquiries from law enforcement, applying all relevant laws and policies as required.
- Dealing with incoming calls from customers and external agencies, and assisting with new projects and process enhancements.
- Conducted peer reviews of financial crime cases, offering constructive feedback to improve investigative techniques.
Fraud Prevention Agent and Transaction Monitoring
Vanquis Bank
Chatham
2018.11 - 2020.12
- Utilised advanced analytics tools to monitor transactions and detect suspicious patterns indicative of fraud.
- Conducted thorough investigations into reported cases of fraud, gathering evidence to support findings.
- Vast experience of identifying suspicious activity within customer accounts through the Falcon system.
- Using advanced investigative telephone training techniques to communicate with potential fraudsters, I aim to gain insight into their intentions for the card or account, using probing questions to identify the type of fraud and the correct action needed.
- Have proactively recommended new approaches and strategies to the business to mitigate risk, and potential losses.
- Complete monitoring of customers’ accounts for fraudulent transactions, and possible account takeovers.
- Responsible for investigating payments, blocking accounts, and requesting proof of payment through various communication channels when suspicious activity has been identified and where the customer may be attempting to commit payment fraud, as well as being responsible for reviewing those proofs that are received.
Satsuma Loans Agent
Vanquis Bank
Chatham
2017.11 - 2018.11
- Achieved debt collection targets in line with agreed deadlines.
- Chased up overdue payments to offer assistance in difficult situations and set up payment plans.
- Assessed client needs and investigated different courses of action.
- Dealing with inbound customer calls promptly and treating customers in a courteous and fair manner.
- Actively supporting colleagues through coaching, training, and techniques.
Senior Retail Assistant
Shoe Embassy
Greenhithe
2016.11 - 2017.10
- Maintained a tidy and safe shopping environment, following health and safety guidelines.
- Processed transactions efficiently at the till, including sales, refunds, and exchanges.
- Handled customer returns, refunds and exchanges at customer service desk.
- Processed sales transactions accurately, handling cash and card payments efficiently.
- Kept sufficient inventory supply and stock on shelves and in storerooms.
Cashier Assistant
Nando's
Greenhithe
2016.02 - 2016.11
- Handled telephone enquiries, making reservations, and providing take-away information, broadening service accessibility.
- Maintained clean, tidy and organised checkout areas.
- Served food and beverages promptly, ensuring timely delivery and maintaining food quality.
- Maintained safe hygiene and food handling standards for full compliance.
- Greeted new customers and offered immediate seating assistance.
- Processed payments by cash, cheque, or card to complete transactions.
Education
SVQ Level 2 - Administration
North Kent College
DartfordCertificate of Higher Education - Bachelors of commerce
S.A. Jain College
Ambala CityGCSEs -
S.A. Jain Senior Model School
Ambala CitySkills
- AML and Financial Crime Compliance
- Customer Due Diligence (CDD/KYC)
- Fraud identification techniques
- PEP/Sanctions screening
- SAR writing and escalation
- Transaction Monitoring
- Risk identification
- Training and Coaching
- Process Improvement
- Confidentiality assurance
Languages
English
Proficient (C2)
Hindi
Proficient (C2)
Accomplishments
- Delivered four training sessions to offshore colleagues on transaction monitoring, including three in-person sessions in India and one via Microsoft Teams.
- Conduct training for UK based staff, promoting continuous learning and operational excellence in financial crime prevention.
Timeline
Fraud and Financial Crime Achievement Coach
Vanquis Bank
2025.09 - Current
Fraud and Financial Crime Ambassador
Vanquis Bank
2024.07 - 2025.09
Financial Crime Officer
Vanquis Bank
2020.12 - 2024.07
Fraud Prevention Agent and Transaction Monitoring
Vanquis Bank
2018.11 - 2020.12
Satsuma Loans Agent
Vanquis Bank
2017.11 - 2018.11
Senior Retail Assistant
Shoe Embassy
2016.11 - 2017.10
Cashier Assistant
Nando's
2016.02 - 2016.11
Certificate of Higher Education - Bachelors of commerce
S.A. Jain College
SVQ Level 2 - Administration
North Kent College
GCSEs -
S.A. Jain Senior Model School