Experience

• 

  Tata consultancy services

  Nov 2014 - Jul 2015

  Associate

  Engage in configuring financial data and documents to underwriters.

• 

  Altisource

  Aug 2015 - Aug 2018

  Underwriting analyst

  We act as an credit analyst and ultimately we approve or deny borrowers credit request. We use a process called layering where we assess the total risk by reviewing all the different factors to determine borrowers credit worthiness.Loan Analysis: We underwriter fully understand our institution's policy for approving loans, the two most notable elements of which are acceptable loan-to-value (LTV) and debt-to-income (DTI) ratios. Using the information in the application and supporting documents, we calculate these ratios. If the application meets these guidelines, might lead us to approve the loan. We as an underwriter must also specify closing conditions so that the file is complete and all applicable regulations are met. For example, if his flood search reveals that the property is in a flood hazard zone, he must require flood insurance as a condition of closingCompensating FactorsWhile the numbers on the application are typically an accurate representation of a borrower's ability to pay, as an underwriter we must know when to look at factors beyond the numbers. For example, if the bank allows a 40 percent DTI ratio and a borrower comes in at 42 percent, policy says that loan will be denied. However, the underwriter may see that the applicant has long-time, stable employment, highly liquid assets and a very low LTV. The underwriter can then approve the loan as an exception, citing the compensating factors.Finally, we ensure our lenders , investors are satisfied with our services by determine if the risk of offering a mortgage loan to a particular borrower under certain parameters is acceptable. Most of the risks and terms that underwriters consider fall under the three C's of underwriting: credit, capacity and collateral. Show less

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  Indiaforensic

  Jan 2018 - Jan 2018

  Anti money laundering expert

  Understanding of AML concepts in several of the areas like - AML investigation workflows and case management, KYC/CIP/CDD, correspondent banking, transaction monitoring, and suspicious activity reporting.

• 

  Jpmorganchase

  Sept 2018 - Mar 2020

  Aml & kyc specialist

  AML Transaction screening, Monitoring and PEP escalation reviews

• 

  Goldman sachs

  Mar 2020 - May 2022

  Rolling Review ( CDD, EDD and Sanction screening)

  • Associate

    Dec 2021 - May 2022

  • Senior Analyst

    Mar 2020 - Dec 2021
• 

  Standard chartered

  May 2022 - now

  India CDD Operations, Governance, data management, Automation and process development Financial Crime Surveillance Operations (FCSO ) AML, KYC, Sanction and Transaction Screening, Transaction Monitoring, Regulatory Reporting as well as bank compliance practices and processes.Assist with the implementation of periodic reportingAssist with presentations to management

  • Manager Governance and Analytics

    Apr 2024 - now

  • Associate Manager

    May 2022 - Jun 2024