Location Name: Pune Corporate Office - Mantri
Job Purpose
Responsible for monitoring, analyzing and reporting of Transaction alerts generated for credit operations. The role is a critical element of organization's defense against money laundering, terrorist financing and fraud.
Duties And Responsibilities
- Conducting detailed and thorough investigation of cases/alerts in accordance with internal policies, process and external regulations (e.g. RBI KYC Policies, PMLA Act & Rules)
- Fetch relevant information from various internal systems (e.g. Pennant, Miles, Finacle, CRM, Customer 360 etc.) required for customer transaction analysis
- Able to analyze transaction history in accordance with customer profile for products like Gold Loan, LAS, Flexi, SME,etc to identify anomalies
- Good domain knowledge of BFL product, processes and systems
- Identification and timely escalation of potential suspicious transactions for further investigation
- Writing detailed analysis of transactions investigated
- Keeping updated with recent changes with respect to RBI KYC Polices, PMLA Act, etc
- Assist with the preparation of departmental MIS and reports and other activities
- Providing inputs for improvising AML search effectiveness
Required Qualifications And Experience
- Graduate Degree, 3 - 5 years experience in lending business.
- Domain knowledge pertaining to products such as Gold Loan, LAS, Flexi, Professional / Business Loans
- Understanding of Onboarding process, financial transactions and other processes in lending lifecycle
- Sound knowledge of Internal Policies, Risk, Compliance and Regulatory requirements
- Good understanding of PMLA Act, RBI KYC Policies etc
- Ability to interpret Regulatory requirements
- Knowledge of KYC/ML/CDD/EDD/Sanctions/PEP Screening/Knowledge of SAR/STR process, desirable.
- Applicant should be well versed with MS Excel, working knowledge of SQL preferred
- Ability to work independently and accomplish task assigned
- Collaborative work style to engage with peers & colleagues in other functions across the company
- High motivational levels and a self-starter.
- Should possess the below skill sets: - Strong Analytical skills, Good written and verbal communication Good Interpersonal Skills, Influencing skills
