Team Member AML 'Transaction Monitoring '

Key Responsibilities:

• Monitor customer transactions using bank-approved AML systems to identify suspicious patterns, unusual activity, and high-risk behaviour.
• Perform alert review and investigation by analysing transaction patterns, customer profiles, and fund flows.
• Conduct name screening to identify matches against sanctions lists, PEPs, and adverse media.
• Analyze PEP and sanctions hits, differentiate false positives, and escalate true matches in line with regulatory requirements.
• Execute end-to-end transaction monitoring investigations, including identification of AML typologies such as structuring, layering, and mule accounts.
• Prepare, review, and submit Suspicious Transaction Reports (STRs) to FIU-IND in compliance with RBI AML/CFT guidelines.
• Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for high-risk clients and ongoing monitoring.
• Manage account-level controls such as account freeze, debit restrictions, and monitoring based on internal triggers and Law Enforcement Agency requests.
• Ensure timely closure of alerts within defined SLA timelines, maintaining high-quality documentation and audit readiness.
• Collaborate with Compliance, QA, and Audit teams to ensure adherence to internal policies and regulatory expectations.
• Support identification of emerging risks and transaction patterns through continuous monitoring and analysis across customer segments.

Experience:

• 3-7 years of experience in AML, Financial Crime Compliance, or Transaction Monitoring
• Experience in Banking, NBFCs, or Financial Institutions preferred

Technical Skills:

• Knowledge of AML monitoring tools (Actimize, SAS, Mantas, etc.)
• Familiarity with World-Check / screening tools
• Understanding of RBI AML/CFT regulations