Summary
Overview
Work history
Education
Skills
Languages
Certification
Affiliations
References
Timeline
Generic

Sandeep Bhandal

Summary

Financial services professional with 4+ years' experience in banking, AML/KYC, and customer onboarding for leading fintech firms and banks. Skilled in fraud detection, enhancing risk management programs, and knowledgeable in UK/EU regulations and data analysis.

Overview

4
4
years of professional experience
1
1
Certification

Work history

Savings Customer Onboarding

Birmingham Bank
04.2024 - Current
  • Managed daily deposit operations, including account monitoring, processing withdrawals, and facilitating account openings and closures
  • Ensured compliance with CDD, AML, CTF, and ID&V procedures, maintaining high standards of regulatory adherence
  • Prepared and issued deposit documentation, including withdrawal and closure letters, while ensuring accuracy and timeliness
  • Provided exceptional support to customers throughout the onboarding journey, effectively addressing their needs via phone, email, and web chat
  • Collaborated with the Head of Operations to develop and maintain training materials and procedures, promoting a consistent onboarding process.

Financial Investigations Analyst

Premier Stores
06.2023 - 04.2024
  • Conducted comprehensive reconciliation of financial accounts, ensuring accuracy and identifying discrepancies to mitigate financial risks
  • Developed and implemented budgets to support financial planning, forecasting, and adherence to regulatory standards
  • Stayed updated on accounting standards and AML regulations, ensuring that financial activities aligned with industry best practices and safeguarding the organization's financial integrity
  • Monitored and managed cash flow to meet operational needs, ensuring liquidity and financial stability while complying with AML regulations.

AML Onboarding and Ongoing Monitoring Analyst

Teya
03.2023 - 06.2023
  • Developed and optimized the Customer Due Diligence (CDD) onboarding process using tools like JIRA, Onfido, and ComplyAdvantage, ensuring a swift and efficient experience for merchants
  • Investigated potential suspicious activity through KYC and KYB analysis, transaction monitoring, and comprehensive reviews of identification documents, including Politically Exposed Persons (PEPs)
  • Prepared Enhanced Due Diligence (EDD) reports with findings for escalation to the Financial Crime Committee, ensuring timely completion of Suspicious Activity Reports (SARs) for submission to law enforcement authorities
  • Collaborated with internal stakeholders to implement automated onboarding and monitoring solutions, enhancing compliance efficiency and streamlining CDD processes.

Personal and Business Banker

Metro Bank
02.2022 - 03.2023
  • Managed customer profiles by liaising with fraud departments to apply or remove posting restrictions, ensuring proactive measures against potential fraud
  • Conducted comprehensive checks during account openings, including AML, KYC, and credit assessments, to ensure compliance with regulatory standards
  • Monitored customer interactions for suspicious activities, ensuring timely submission of Suspicious Activity Reports (SARs) to protect both the bank and its customers
  • Provided tailored financial solutions to customers, including lending products and services, while maintaining compliance with FCA and PRA regulations.

Customer Service Consultant

Lloyds Banking Group
09.2021 - 02.2022
  • Oversaw high-value customer activities in Commercial Banking, ensuring adherence to bank procedures and safeguarding against financial loss
  • Collaborated with team members to assist new and existing customers with their financial needs across various channels, delivering excellent service
  • Reviewed and verified client data for KYC compliance, ensuring alignment with the expected nature and purpose of customer relationships while conducting thorough Customer Due Diligence (CDD)
  • Conducted in-depth research on clients using Companies House and corporate databases to support compliance efforts and enhance transaction monitoring.

Financial Advisor

HSBC
05.2020 - 09.2021
  • Engaged clients through effective negotiation and active listening to thoroughly understand their financial circumstances and needs
  • Developed and implemented strategies for clients experiencing financial losses, ensuring a personalized approach to remediation and support
  • Conducted Customer Due Diligence (CDD) and KYC research as part of the Anti-Money Laundering compliance process, identifying and investigating suspicious activities and transactions
  • Performed Enhanced Due Diligence (EDD) and ongoing monitoring for new and existing clients, providing tailored recommendations for risk mitigation and financial security.

Education

BA (Hons) Criminology -

University of Leicester

Skills

  • Data Analysis
  • Analytical Skills
  • Risk Assessment
  • Attention to Detail
  • Client Communication
  • Regulatory Knowledge
  • Microsoft Software Packages
  • Technical Proficiency - SPSS, CSP, Jira, TruNarrative, ComplyAdvantage

Languages

English
Native
Punjabi
Fluent
Welsh
Intermediate

Certification

ACAMS 2023: Fighting Modern Slavery and Human Trafficking

ACAMS 2023: Enhancing Financial Inclusion with a Risk-Based Approach

Affiliations

  • Travelling | Watching Documentaries | Reading | Research

References

References available upon request.

Timeline

Savings Customer Onboarding

Birmingham Bank
04.2024 - Current

Financial Investigations Analyst

Premier Stores
06.2023 - 04.2024

AML Onboarding and Ongoing Monitoring Analyst

Teya
03.2023 - 06.2023

Personal and Business Banker

Metro Bank
02.2022 - 03.2023

Customer Service Consultant

Lloyds Banking Group
09.2021 - 02.2022

Financial Advisor

HSBC
05.2020 - 09.2021

BA (Hons) Criminology -

University of Leicester

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