Dhanya Ravi

Experience

• 

  RBS

  Feb 2012 - Aug 2014

  Process Associate

  • Performed KYC- Customer Due Diligence (CDD) & Enhanced Due Diligence (EDD) for on boarding and existing clients.• KYC Review/Analysis of Banks, Corporate, Trusts and State-owned entities of Low risk countries.• KYC Review/Analysis and verification on entities domiciled in high risk and sanctioned countries.• Identified accurate risk rating for individual/non-individual accounts to highlight high risk jurisdictions, cash intensive/high risk business and Politically Exposed Persons(PEP) or Relatives or Close Associates(RCAs).• Retrieved the documents and information from SEC (Securities Exchange Commission), OFAC/EU, FSA (Financial Service Authority), D&B, International Company Registries (US Federal State Registry, UK Company House etc).• Performed independent research in World check, Lexis Nexis due Diligence, Google Search for PEP links and adverse/Negative news.• Scrutinized the Source of Funds, Source of Wealth, Nature of Business and Product, identified the risk associated with it. • Investigated potential sanctions and PEP hits on underlying clients generated from automated alert software.• Ensured documents are indexed and loaded in the document image system that validate the risk profile for the customer.• Developed expertise in the firm’s Anti Money Laundering/Customer Identification due diligence policies.• Ensured quality of due diligence by new joiners of the team by conducting first level QA. Show less

• 

  GENPACT

  Sept 2014 - Sept 2016

  Senior Analyst - SME

  • Performed KYC Research from public sources & vendor Sources (DNB, One Source, Lexis Nexis, World Check, Graydon, KVK, etc..) as per KYC Regulations.• Extensive Due Diligence investigations using public and private database in accordance with AML standard to assist business units and prevent operational and reputational risks.• Enhanced Due Diligence research in attempts to find derogatory/background information used to aid client advisors’ decisions in initiating, maintaining or closing business relationships.• Promoted as a SME within a short time span as I was highly competent and consistently produced 100% quality checks.• Performed management activities along with playing the role of SME.• Provided quality inputs to the policy to reduce errors.• Verified all aspects of Client Identification program(CIP) and necessary account opening documents are provided in accordance with KYC procedures.• Ensured final reports are comprehensive, compliant and suitable for use in the client on-boarding decision-making processes.• Helped in test functionality of new due diligence software/databases by identifying areas of improvement• Opportunity to work at client location in on-boarding new client, extending business relationships for new product request and worked on huge volume of KYC remediation cases.• Conducted Audit/Quality check on regulated and listed entities to establish compliance with the KYC norms. Show less

• 

  HSBC Commercial Banking

  Sept 2016 - Apr 2017

  Assistant Manager

  Assisstant Manager - QC• Performed quality check on the KYC Profiles & provided feedback.• Suggested best feasible ideas for the process enhancement out of prior experience.• Performed the role of Subject Matter Expert when required.• Liaised with relationship managers to obtain the required documents for identification & verification purposes.

• 

  HSBC Retail Banking and Wealth Management

  Jul 2018 - Nov 2018

  CDD Middle Officer
• 

  Commonwealth Bank

  Jan 2019 - Aug 2019

  KYC Onboarding Specialist
• 

  NAB

  Aug 2019 - now

  Review and approval of KYC records for C&IB clients. Reject and request remediation for any client that do not meet AML/KYC policy requirements. Review and Action a suite of Control and Exception Reports that monitor # AML/KYC risks within the business # Provide advice and guidance to Bankers/Credit Administration Officers on AML/KYC requirements within C&IB.# Maintain AML/KYC process maps and supporting documentation. Assist with relevant communication and education sessions on a regular basis.# Assist with any AML/KYC remediation work or work on any relevant projects as directed.# Work with Business Banking AML Business Partner when necessary for escalation issues or regulatory clarification. Show less

  • Senior Associate

    Feb 2024 - now

  • AML Associate

    Aug 2019 - Feb 2024