Senior Financial Crime Analyst

Key Result Areas Supporting Actions

Risk Ownership & Categorization

• Own end?to?end risk assessment for assigned scope
• Ensure accurate customer/merchant risk categorization (Low / Medium / High)
• Review and approve high?risk cases and escalations
• Assess risks related to new products, partnerships, and business models

STR / SAR Identification & Reporting

• Identify suspicious activities requiring STR/SAR filing
• Review and approve STR narratives prepared by team members
• Ensure timely filing of STRs with FIU?IND within regulatory timelines
• Maintain complete documentation and audit trail for STR decisions

Governance & Policy Management

• Implement AML and enterprise risk governance policies
• Ensure adherence to RBI, PMLA, and applicable regulatory guidelines
• Review and update SOPs, control frameworks, and risk assessment methodologies
• Provide inputs to governance forums and risk committees

Regulatory & Audit Readiness

• Support internal audits, external audits, and regulatory inspections
• Respond to regulatory queries and risk?related clarifications
• Track and ensure timely closure of audit and compliance observations
• Maintain documentation in line with regulatory standards

Reporting & MIS

• Prepare and review periodic risk MIS and dashboards
• Track trends related to high?risk categories, STRs, and KRIs
• Provide insights and recommendations to senior management

Stakeholder & Business Engagement

• Partner with business, operations, and compliance teams
• Provide clear and reasoned risk opinions to support decision?making
• Balance regulatory compliance with business objectives

Process Improvement & Maturity

• Identify process gaps, inefficiencies, and recurring risk themes
• Recommend automation, rule enhancements, and control improvements
• Support UAT and implementation of risk and AML system changes