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L Rajesh Kumar
Tel.: (Res.) +919940174660 (Mobile) +919940228513 ~ E-Mail: rajesh.meer@gmail.com

Looking for career enrichment opportunities in Compliance / Advisory / Anti-Money Laundering

(CAMS Certified) /Risk Management with growth oriented organisation.

PROFESSIONAL SYNOPSIS

 Certified Anti-Money Laundering Specialist (CAMS) with nearly 11 years of experience in Risk
Management, Retail Banking Operations, KYC and Anti Money Laundering Operations across banking
domain.
 Currently associated with Standard Chartered GBS, Chennai as Associate Manager (Financial Crime
Compliance/Compliance Due Diligence).
 A strategist with proven skills in implementing risk policies under Financial Crime Compliance and lead a team of 40
members and conducting Root Cause Analysis at operational level.
 Demonstrated abilities in spearheading operations & service aspects with an exposure to Retail Banking Operations
and process migrations for Financial Crime Compliance.
 Gained extensive knowledge about the anti money laundering laws, KYC procedures and practices across multiple
geographies including United States, South East Asia and South Asian Countries.
 A thorough professional with a proactive attitude, capable of thinking in and out of the box, generating new design
solutions and ideas.
 Possess excellent interpersonal, communication and analytical skills.

DOMAIN EXPOSURE

 Conduct due diligence to identify business risks and devising measures to mitigate the same across the Financial
Crime Compliance domain for the bank at multiple locations.
 Possessing knowledge of gathering requirements from various sources and performing Quality Assurance.
 Making use of available information and interacting with different LOB’s and country Heads for precise reporting as
per AML norms.
 Product knowledge on Financial Crime Compliance systems like Cards 400, Ebbs, Erams, RLS, Norkom, Detica,
World Check, Accuity.
 International AML exposure.

CORE COMPETENCIES

Operations Management
 Ascertaining that systems and Anti Money Laundering (AML) processes meet the requirements of Compliance and
KYC regulatory.
 Domain Expertise in Personal Loan, Auto Loan, Business Instalment Loan
 Document check for personal loan, Auto Loan, Business Instalment Loan and Account Opening request.
 Ensure KYC Checks on New Accounts that need to be opened.
 Complete End to end knowledge of Alert and Case Management Process of Detica.

Risk Management
 Identify suspicious activities which would be potential SAR/STR.
 Implementing the risk policies and effective mechanisms to mitigate them.
 Framing guidelines for fraud control and checking segmentation of cases & briefing risk about dangerous segment
of sourcing.
 Monitoring client’s profile and conduct due diligence for mitigation of any risks.
 Identifying new typologies with regard to Money laundering.
 Follow up on the risks identified during the BAU and liaise with Technology.

Team Management
 Leading a team of 15 Team Members.
 Monitoring the performance of team members to ensure efficiency in operations and meeting of group targets.
 Close process gaps across new migrations.
 Streamlining efforts for attainment of goals of the company, taking care the mission & vision.
 Supporting various analysts in the team with the assessment & analysis of cases.
 Making sure of no breaches on SLA and QA levels within the threshold.
 CAREER CONTOUR

Since Feb’12: Standard Chartered GBS, Chennai

The Growth Path

Oct’15 – Till date Associate Manager (Financial Crime Compliance)

Apr’12 - Sep’15 Team Leader (Financial Crime Compliance)
Oct’07 - Mar’12 Analyst/Senior Officer
Mar’06 – Sep’07 Officer

Key Deliverables
 Process migration from South Asian countries.
 Identify Suspicious Transaction Reporting.
 Identify Clients for surveillance.
 Internal surveillance of Staff transactions and escalation to Country Heads.
 Liaise with Higher Management (Country Heads) in terms of training and knowledge sharing sessions.
 Complete knowledge in transaction surveillance systems (Norkom, Detica, World Check, Accuity.)
 Alert and Case management within Turn Around Time and as per the Service Level Agreement.
 Preparation of Monthly metrics for multiple stakeholders including CEO, Country Heads, Units Heads, Internal Risk
Teams.
 Capacity Planning and threshold analysis on what if results prior production.
 Handled Business Continuity exercises for Unit.
 Draft Addendums as and when required.
 Liaising in setting up different HUB’s for the Bank.
 Maintains watch list customers and investigates for continued suspicious activity.
 Analysis AML risks based model for monitoring trade transactions for various products viz Import/Export.

Significant Highlights
 Identification of STR for Singapore.
 Initially responsible for 4 nations and Transaction Surveillance Unit Singapore, now handle Transaction Surveillance
Unit India reporting to Unit Head.
 Take sessions on Process flows for new hires apart from normal BAU.
 During 2013 was part of the Malaysia SECONDMENT with regard to back log clearing and Knowledge Sharing
process for the staffs working from KL (Malaysia)
 Travelled to United Arab Emirates twice for performing Unit Acceptance Testing (UAT) testing on Retail Loan
System (RLS Project) and Erams Clean Up
o Successful completion of the RLS Project, UAT Testing and Erams Clean up activity.
 Appreciation from Operations Head for Successful Completion of the RLS Project.
 Trained on Products, Systems and Detection Scenarios.

Compliance Due Diligence – Quality Assurance Team (July 2016 – Present)

 Expertise with the current process, policies and procedures

 To Perform various Key Control standards for the processes in Compliance Due Diligence
 To identify any exception and find out the Root Cause Analysis of an exception
 The checks in the Key Control Standards Self assessment include the following.
 To check whether correct constitution is identified with respect to the client’s nature of business regulated status
and other criteria
 To check whether all necessary documents are taken from the client are valid
 To check whether the ownership of the client is rightly identified
 To check whether any politically exposed Person is associated with the client
 To check whether the client is related to any sanctioned countries as per SCB WB CDD guidance policy.
 To check whether any of the specialized due diligence is applicable to the client
 To check whether alerts generated through Detica are closed with correct justification
 To check whether the team is adhering to the process that is in line with the current policies and procedures
 To discuss the exceptions if any with the line managers
 To upload the completed KCSA in System with sign off from the respective managers within the time frame
 Expertise in Personal Loan, Auto Loan and Business Instalment Loan
Key Deliverables
 Doing documentation for the personal loan and other Loan documents received from CPC (Country Processing Unit)
 Informing CPC in case of any discrepancies in the document received and these pending reasons are also updated
in the control sheet and Bar code application tracking system
 Proceeding with the loan booking in RLS system after the documentation process is over.
 Approving all the loans with the amount up to 100 thousand AED and the loan amounts which are more than 100
thousand are approved by the supervisor respective to the delegated amount.
 Disbursing the loan in RLS system, which in turn debit internal suspense account automatically and credit to
customer’s CASA account.
 DDR will be raised from RLS to debit the instalment from customer’s CASA Account and this will retry for 45 days
until the amount gets debited from the account.
 Recoveries of instalments from customer’s account are posted to RLS next day with the back dated of Emi debit
date.
 Also part of CASA account opening unit and doing Due Diligence process for on boarding customers.
 Identifying the risk based on the geographical location of the clients, Customer type and products and services
offered.
 Capturing customer details at relationship level prior to opening an account in Ebbs system.

Significant Highlights
 Suggested process improvement and process simplification against the current process.
 Effective tracking of Loan applications and customer complaints in the excel file to avoid miss outs of any
complaints/Loan applications and share the excel file with CPC.
 Received business champ award from Chennai operations head.
 Preparing financial vouchers for the reversal entries and other corrective transactions and handed over to financials
team for posting.
 Reconciling the transactions between RLS and Ebbs and posting corrective transactions in case of any disparity
identified in the recon.

Customer Complaints Handling Unit

Key Deliverables
 Individually handling customer complaints and giving 100% resolution on a daily basis.
 Handling customer complaints as a first come first out basis.
 After investigating the complaint if any reversals which impact P&L account of the bank will be posted with
appropriate approval from business.
 Any customer complaints which need immediate resolution are prioritised to provide a better customer satisfaction.
 All the customer complaints are picked and handled on the same day instead of keeping pending it for the next
day.
 Respective P&L account are debited for any reversal of charges, Interest and other surplus amt (Suspense account,
P&L interest and P&L charges account) with appropriate business approvals.
 Any TAT burst complaints are keeping informed to the Operations Dubai (CPC)
 Complaints logged before cut off time are handled on the same day
 Preparing financial vouchers and the same are being handed over to financials unit for posting.
 If any customer complaint is pending due to external dependency will be reported to the immediate supervisor to
avoid any further escalations.

Significant Highlights
 Drafted process notes for customer complaints process and sent it to country for sign off.
 Suggested process improvement and process simplification against the current process.
 Received Mentorship award from Chennai operations head.
 Handling customer complaint with nil processing errors.
 Appreciation from Head of Operations Dubai for better performance.

TRAININGS ATTENDED

 Anti-Money Laundering Training by Standard Charted GBS.

 Product training – Retail Loan Systems (RLS).
 Sanctions Training by Standard Charted GBS.
 Business Communication Training by Standard Charted GBS.
 Advance Excel Training by Standard Charted GBS.

SCHOLASTICS
 BBA (Business Administration) from Guru Nanak College, (Madras University), 2005.
 H.S.C passed out with 69% from Government Boys Higher Secondary School, 2002.
 S.S.L.C passed out with 54% from Government Boys Higher Secondary School, 2000.

CERTIFICATIONS & SKILLS

 Certified Anti-Money Laundering Specialist (CAMS)

 Computer Proficiency:
 Basic Knowledge of Microsoft Office 2000, Tally 6.3, Type Writing Lower.

EXTRAMURAL ENGAGEMENTS

 Alternate Department Continuity Co-ordinator for ASEAN Region.

PERSONAL DOSSIER

Father Name : A.R Lakshmi Narayanan

Date of Birth : 23rd December, 1983.
Nationality : Indian
Sex : Male
Marital Status : Married
Address : Old No. 7/9 New No. 13/9 L.D.N Charry Street, Ganapathipuram, Chromepet, Chennai – 600044.

DECLARATION

I hereby declare that the above information is true up to my knowledge and belief.

(RAJESH KUMAR.A.L)