KYC-AML / Transaction Monitoring /SAR / Bengaluru

Role : KYC/ AML - Transaction Monitoring

Year of experience- 3-8 relevant yrs (KYC + TM), Total experience can be more

Location- Bangalore or Hyderabad

Work Mode- Remote

Shift- General

Start date- Immediate

JOB DESCRIPTION

Scope of Work – EDD & Transaction Monitoring A. KYC – EDD (Primary Skill) ∙ Execute KYC (EDD) onboarding, periodic, and event-driven reviews; collect and validate CIP and beneficial ownership per bank policy. ∙ Build and maintain customer risk profiles; assign/update risk ratings using a risk-based methodology. ∙ Perform sanctions, PEP, and adverse-media screening; clear or escalate with well-supported narratives. ∙ Manage daily case queues to SLA and quality targets; support surge/backlog remediation. ∙ Coordinate documentation via relationship managers/customer outreach with clear, professional communication. ∙ Maintain data integrity and timely MI in KYC/workflow systems; keep files audit- and QA-ready. ∙ Partner with Transaction Monitoring, Sanctions, and FIU on cross-functional reviews and escalations. ∙ Participate in training/calibration; apply QA feedback and contribute to continuous improvement. ∙ Adapt quickly to policy/procedure changes; collaborate with peers and managers to enhance efficiency. B. Transaction Monitoring (TM) (Secondary Skill) ∙ Analyze customer transaction patterns to identify unusual/suspicious activity such as structuring, layering, smurfing, rapid movement of funds, shell company activity, and trade-based money laundering. ∙ Conduct in-depth investigations using internal data, KYC profiles, public records, and adverse media; corroborate findings with documented rationale. ∙ Disposition alerts/cases within defined SLAs; escalate suspicious activity for SAR (Suspicious Activity Report) consideration with clear, audit-ready narratives. ∙ Draft high-quality case write-ups and SAR narratives ∙ Identify and escalate emerging typologies, trends, and process gaps; recommend tuning/threshold improvements where appropriate. ∙ Maintain accurate documentation and ensure compliance with BSA/AML, OFAC, USA PATRIOT Act, and bank internal policies. ∙ Support QA, audit, and regulatory reviews; remediate feedback promptly.

Mandatory skills-

∙ 3–8 years of hands-on AML experience in KYC (CDD/EDD) and Transaction Monitoring with a global/international bank. Proven experience supporting US or International clients across Retail, Commercial, Corporate, or Investment Banking. Note: Domestic Indian KYC experience (HDFC, ICICI, IDFC, Axis, SBI, Kotak, etc.) will NOT be considered relevant for this role. ∙ Working knowledge of CIP, Beneficial Ownership (UBO ≥25%), Source of Wealth/Funds, EDD triggers, and high-risk customer typologies (MSBs, NBFIs, PEPs, Cash-Intensive Businesses, Correspondent Banking, NGOs, Trusts, SPVs) ∙ Strong skills in screening disposition, entity resolution, and adverse-media analysis ∙ Strong investigative, analytical, and narrative writing abilities. ∙ High attention to detail; ability to work under SLA-driven, high-volume environments. ∙ Excellent written and verbal English communication. ∙ Excellent written and verbal English communication.

Nice to have:

Along with EDD KYC exp, Strong TM would be more beneficial

If anyone is intrested please share your resume with [Confidential Information]