Vishal Raval
London
Summary
Highly dedicated at directing, monitoring, and inspiring team members to complete accurate and timely investigations and reports. Creative and critical thinker with strong innovative problem-solving skills. Successful investigating large recordists to make accurate evaluations of structures and practices. Versed in applicable audit processes and procedures. Familiar with identifying urgent red flags and taking the proper steps in documenting the evidence discovered. Passionate about exceeding the standard quality and ensuring high-quality standards are maintained for AML/KYC. Experienced in reviewing financial documents and digital records. Complete accurate and timely investigations and reports. Talented in training employees, solving complex problems and making sound decisions. To seek and maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Hardworking and passionate AML Investigator with strong organizational skills eager to be team player to achieve company goals.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Customer Service
Greggs
03.2023 - Current
- Provided outstanding customer service.
- Developed a deep understanding of customer service principles and customer service best practices.
- Displayed positive attitude while assisting multiple guests to provide excellent customer service, boosting customer service ratings 100%.
Branch Sales Manager
IDFC Bank
02.2022 - 12.2022
- Perform name and account-based research on lists and reports provided through established resources to determine if evidence of money laundering activities exists.
- Prepare required reports including Suspicious Activity Reports (SARs), following regulations and time limitations and recommend relationship retention or termination.
- Evaluate transactions and customer relationships for Money laundering activities, identifying red flag issues and escalates within AML framework for further investigation.
- Provide additional support with AML compliance organization on more complex issues, including research techniques and capabilities, as well other solutions as appropriate.
- Draft AML Compliance training guides to reinforce knowledge on key information and policies Solicited feedback from attendees, ensuring full understanding of material presented Review negative news and OFAC/Watch List/PEP alerts generated by automated systems.
- Review monthly and daily transaction alerts, client trading activity, client file review, conduct due diligence searches and metrics.
- Collect and examine financial statements and documents to assist in identifying unusual transaction patterns. Document all research and analysis conducted in Case Management System.
- Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
- Generating and converting the leads and onboarding the customer to banks
Investment Banking Analyst
HDFC Bank
02.2017 - 01.2022
- Performing holistic due diligence reviews in support of Corporate KYC and BSA/AML policies and procedures Performs Quality Assurance (QA) review on work of AML analysts
- Performs case repair on deficient cases treated by alert analyst or case analyst
- Responsible to conduct in-depth research to assess and determine if allegation(s) meets criteria of Enterprise Investigations
- Ability to make timely and independent decisions while working in fast-paced and results driven environment Strong organizational, multi-tasking, and prioritizing skills Conducted KYC formality reports on questionable accounts and transactions
- Adjusted end-to-end KYC process needs to align with workforce capabilities
- Reviewed various KYC processes (KYC includes Customer Identification Program (CIP), beneficial ownership, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD).
- Responsible for CIP/KYB verification of small to medium-sized business customers. This includes using 3rd party web verification sources to verify supplied business information/documents to ensure that internal policy and procedures, as well as regulatory requirements, are met.
- Responsible for updating customer profiles using internal CRM tools
- Responded to and executing social escalations for various customer requests to ensure excellent customer satisfaction
- Stayed abreast of all industry changes, trends, best practices and assess potential impact of these changes on organizational processes as payment and banking industry evolves.
- Exceeded goals through effective task prioritization and great work ethic
Bank Teller
IndusInd Bank
02.2015 - 02.2017
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Educated customers on use of banking website and mobile apps.
- Processed customer transactions promptly, minimizing wait times.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Identify and communicate IT audit findings to senior management and client
- Conducted review of key information technology general controls (ITGC) such as change management, computer operations, backup, data integrity testing, segregation of duties, access control, audit log, enabled services, remote access control, application-level security and environmental control around data centers
KYC Analyst
ICICI Bank
04.2014 - 01.2015
- Adjusted end-to-end KYC process needs to align with workforce capabilities.
- Conducted KYC formality reports on questionable accounts and transactions.
- Interpreted evidence from multiple tools and systems to determine legitimacy of customer behavior.
- Consulted with compliance department to create regulatory reports.
Education
Master of Science - International Banking And Finance
London Metropolitan University
London, United Kingdom05.2020
Skills
- AML/KYC Regulations
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- AML/OFAC/FinCEN Regulatory Policies
- Risk Analysis & Management Business Risk Assessment & Analysis
- Compliance, Audit, and Investigation
- Report Writing
- MS Office (Excel, word, & PowerPoint)
- Analytical and Critical Thinking
- Team Player
Certification
- Post Graduate Diploma in Banking Operations- NIIT
- IRDA - Insurance Regulatory and Development Authority
Achievements
Star Performance of the Month-March 2019 Gold Award
Star Performance of the Year April 2021-Platinum Award
Timeline
Customer Service
Greggs
03.2023 - Current
Branch Sales Manager
IDFC Bank
02.2022 - 12.2022
Investment Banking Analyst
HDFC Bank
02.2017 - 01.2022
Bank Teller
IndusInd Bank
02.2015 - 02.2017
KYC Analyst
ICICI Bank
04.2014 - 01.2015
Master of Science - International Banking And Finance
London Metropolitan University
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