Mrittika Ray, CAME and AML KYC CERTIFIED

An enthusiastic and high energy driven professional with expertise on Know Your Customer-KYC, Anti Money
Laundering-AML, Transaction Monitoring domains in Commercial and Investment Banking.
[email protected] 9538030631/9606900631

Key Skills Profile Summary

Know Your Customer (KYC) - Client Onboarding, Banking & Financial Services professional with 14+ years of experience on KYC, CDD, EDD, AML,
Renewals, Remediation Transaction Monitoring domains in Commercial and Investment Banking.
Over 9+ years in team handling, training, mentoring & evaluating the performance of team
KYC, CDD, EDD, Transaction Monitoring, SAR members.
Experienced in due diligence on New Client Onboarding, Periodic Renewals, Remediations &
Anti-Money Laundering Offboarding.
Possess excellent understanding of AML / KYC, EDD, Customer Due Diligence, SAR, OFAC,
Audit, Compliance & Risk Screening, Transaction Monitoring, Audit & Compliance areas.
Keen customer centric approach with skills in addressing client priorities & resolving escalations
Operational Excellence within prescribed TAT.
Handled Project migrations efficiently, good at RFP, Business Continuity/Resiliency setups and
RFP, Team Management, Training & ensured that deliverables are in line with the business requirements.
Development, Recruitment / Staffing Proven capabilities in identifying, formulating & implementing strategies, Training, Recruitment
by leveraging core project expertise aimed at identifying the gaps, delivering scalable, quality
Client-Stakeholder Engagement solutions, and driving organization transformation projects.
A result-oriented individual with strong analytical, communication, interpersonal and
Project Migrations organizational skills

Work Experience
Aug 2015 – May 2025 with PWC, Lead (SA2) Bangalore & Kolkata

Worked as lead /SME/QC in Advisory & Risk Consulting department of PWCSDC, worked on 9 Financial crime projects. A competent professional with expertise in
KYC- Client on Boarding, Client Remediation, Client Identification Program (CIP), Transaction monitoring, PEP screening, SAR Filing, Sanction screening/ NLS/NNS
screening, Identification of Entity type, AML-SDD/CDD/EDD determination, Verification of Client/Beneficial Owners and Key Controllers /LRs, Ownership structure
identification, Training and Quality Control.

Latest project: -
❖ Led team of 15 members responsible for EDD process of wealth management division of one of the largest American investment bank and financial
services company. Conducted quality checks and provided feedback to the team.

❖ As SME Provided Action Plans to improvise team performance, worked on identifying Error trends, ensured completion of daily assigned workloads
within SLA & Streamline process. Ramp- up the project.

❖ Collaborated with cross functional teams such as Branch, GFC, AMLR to ensure seamless workflow.

❖ Setting up right Governance and updating the internal/external stakeholders on the deliverables.

Prior projects: -

❖ End to end KYC Remediation/client Onboarding process for German bank/ European bank/Asset management bank as Lead/QC/Trainer.

❖ Led a Team of 15 members (Analyst +QC) responsible for End to end Transaction Monitoring process of a well-known USA based financial services
company.

❖ Managed team of 40 members (Analyst +QC+SME) responsible for AML Transaction monitoring (BAU)on retail accounts for a largest Canadian bank
(Canada +USA process).

❖ Corresponding transaction monitoring process for a well-known global bank and TM process for Taiwan based bank as lead /trainer.

❖ Business analyst in HIA project for one of the largest Japanese’s pharma firm. (Single handedly executed from India)

Jun 2014-Aug 2015 – SME, Australia and New Zealand Bank (ANZ), Bangalore

❖ As SME with Financial Intelligence Operation team, collaborated closely with Senior Managers, Legal & Compliance Officers to manage risk and ensure
compliance with OFAC/AUSTRACT/APRA/DFAT, AML/KYC policy and other regulations.

❖ Transaction Monitoring for Retail customers. Conducted risk analysis, reviews, and investigations for high-risk client accounts, performed review of HRC
& PEP customer and financial activity to detect and prevent money laundering, fraud, and terrorist financing.
 ❖ Filed Suspicious activity report (SAR), A.K.A Suspicious Unusual Activity Reports. (SUAR). Well versed with Special Risk Country risk mitigation, PEP
Screening, Identifying Credit card fraud and implement controls according to global sanctions policy, and Watch List management.

❖ Trained and assisted team members in providing qualitative output timely-SLAs, handling conflicts, and resolving issues in first instance.

❖ Managed Global and regional work allocation on a day-to-day basis, communicating & negotiating with the Relationship Manager on their requests.
Interfacing clients-LoBs, gap assessments, understanding their business requirements & providing viable solutions.

Sep 2013-May 2014, Senior compliance officer, Amicorp Bank & Trust, Bangalore

❖ CDD & EDD –-Identifying Risk Rating, Summary of customer.

❖ Transaction Monitoring – Transaction Analysis.
❖ In case of complex alerted transaction, call with RM to understand the actual purpose of client.
❖ Reconciliation of daily & outstanding payments for Zero miss out.

March 2010-Aug 2013, Compliance officer, Royal Bank of Scotland (RBS), Chennai & Delhi

❖ Filtering the live transaction of the customer & ensure the customer is not associated with any kind of ML/TF, Adverse & negative activities. If true
match escalates appropriately. Customer database batch screening reviews as per FSA guidelines.
❖ Checking & satisfying post Transactional activity especially for political exposed person Post screening, Sanction violation reviews as per policy &
procedure. Deviations reported to the country MLRO.
❖ Submit the escalation case to record keeping tracker called CATPLUS (CAAML Activity Tracking Plus).
Certification

❖ Certified in Anti Money Laundering (AML) And Know Your Customer (KYC) from IIBF, Mumbai
❖ CAME (Certified Anti money Laundering Expert) (94%)
❖ Anti-Money Laundering Assessment Level 1 & level 2
❖ Lean certification
❖ QSA Level 1
❖ Advanced Excel
❖ UI Path
❖ ChatGPT - Prompt Engineering
❖ Powe BI
Awards and Achievement

❖ Rated Top performer (Tier -1) back-to-back in the consecutive year for appraisal cycle (2021 and 2022).
❖ Received Project Recognition Award (3 times) in PWC for multiple projects.
❖ Received Best Team Lead award & Instant Recognition Award from PWC for outstanding achievement in Team Productivity & developed and delivered a
repository tool to the client.
❖ Received Extra Miller Award (ANZ) for creating process solutions for new joiners and appreciation Certificates from Business Partners for demonstrating
extensive research analysis and exceptional report writing skills, presentations with effective recommendations.
❖ Received several awards in RBS for providing new workouts to the organization.

Software/ Tool /Application Used:

Software’s & Tool Used: GTP (Global Trade Platform), SAFE (Sanction Filtering Engine),FOL (Firco Soft On-line), CATPLUS (CAAML Activity Tracking Plus), CITRIX, Swift
Alliance, EQUIFLEX, ISV, E-FLEX, ACIS, Norkom case management, Palantir, ONEPATH, Dow jones,Avox data ,GMEI entity, SharePoint, Jira, Remedium, Lexis Nexis,
RDC, WORLD CHECK, & Factiva, Accuity, Bankers almanac, Dun & Bradstreet, Bridger, DDIQ, FOCES, Orbis, Markit,Actimize,TPSS, Netreavel,3D,Clink,Track.

Soft Skills Education

❖ Master of Business Administration (Marketing & Human Resources)
From SRM University, Chennai (2008-2010)-First division
❖ B.Sc. in Science from M.S Ramaiah College, Bangalore. university (2005-2008)- First division
❖ Higher Secondary School Education from A.A.S.V High of school, west Bengal board (2003-2005)
Communicator Innovator
First division
Thinker ❖ Secondary School Education from B.R.M.G High school, west Bengal board (2001-2003) (10th Std)
First division
Collaborator Intuitive