Vidhya Raman, CAMI, CCFI

Experience

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  Hong Kong and Shanghai Banking Corporation

  Mar 2013 - Mar 2015

  CDD/KYC-Remediation Analyst

  To ensure that we are doing business with the right customers.  To identify and report high risk individual or corporate financial account where there is a possibility of existing or potential money laundering activities. Do screening for the clients to identify risk using World-check, LEXIS NEXIS& Google search. Escalate high risk negative information in accordance with bank policies. Verify ID&V Documents (Should be Certified) & Update KYC Profile o Passport, utility bills, Driving License for Individuals o Business Information Form (BIF), Financial Statement, AOA & MOA, Certificate of Incorporation and Latest Annual Return Statement for Corporate Companies.o Partnership deed for Partnership companies.o Trust deed and declaration of trust for Trusts o Constitution document and Minutes of Meeting for Clubs & Societies and o Income tax letter for Retirement Annuity Trusts (RATS) and Charity Information form (CIF) for charitable trusts along with the trust deed. Raise queries to the Customer Contact Unit team (CCU) when the information or documents are not provided, who will assist us to get those details and to proceed the profile for approvals. Raise HRR (Higher Risk Review) for those clients in which the PEP has been identified as the related party or the BO/Controller or any negative news related to financial crime found during screening and get the approval from ACD (Area Commercial Director) to consider that client as a high risk customer and EDD has to be performed (i.e. Passport Verification using Passport verifier). Identify Beneficial Owners & Key Controllers and Draw Ownership structure and get confirmation from RM. Identify the customer/s and other relevant third parties for a proposed relationship; establish the nature of the customer’s business, risk profile, understand the context of the proposed transaction and services Show less

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  Tata Consultancy Services

  Sept 2015 - Jan 2019

  AML- Transaction Monitoring

  Transaction Monitoring- Monitoring the transaction for the triggered alerts & cases.CSU- Customer Name Screeningo To check whether all the documents have been attached in Detica. (Like Alert Investigation, Transaction Analysis, World check, Accuity, Public domain). o Check whether the alerts have been cleared & closed within TAT. o Check whether RFI (Request for Information) mail has been sent for any clarification needed.o Check whether the analyst has articulated the line of business of the main customer and the counterparties. o Update in Quality Analysis Report Show less

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  Wells Fargo

  Feb 2019 - now

  • Due Diligence Consultant

    Jul 2022 - now

  • Due Diligence Analyst

    Feb 2019 - Jul 2022