Udaya Kumar M — AML & Financial Crime Compliance

Case Summary

About

I'm a Financial Crime Compliance professional with over 13 years protecting global banks, GCC captive centres, and BPO compliance operations from money laundering, fraud, and sanctions risk. My career spans retail and corporate KYC/CDD, correspondent banking AML across the US, UK, and Germany, and transaction monitoring for high‑volume banking environments — at HSBC, Wipro, Standard Chartered, and Genpact.

Along the way I've reduced false‑positive alert volume by 30% through monitoring‑rule refinement, remediated 1,000+ client KYC profiles with zero audit exceptions, and built the AML training program that onboarded 50+ new analysts. I'm comfortable operating across traditional banking, GCC, and fintech risk environments, and I'm currently looking for an AML / KYC / Transaction Monitoring role where investigative rigour and measurable process improvement are valued.

13+

Years in Financial
Crime Compliance

30%

False‑Positive Alert
Reduction

1,000+

KYC Profiles
Remediated

50+

Analysts
Trained

Case Log

Professional Experience

A chronological record of engagements — institution, mandate, and closed findings.

JAN 2024 —
PRESENTENTRY 01

Assistant Manager — Transaction Monitoring, Fraud Detection & Chargebacks

Genpact · Chennai

Investigate flagged transactions across a high‑volume alert queue, applying AML typologies to separate genuine suspicious activity from false signals and prioritise high‑confidence escalations.
Own end‑to‑end case documentation for fraud and chargeback disputes, maintaining strong on‑time escalation and reporting against internal turnaround targets.
Partner with fraud prevention and compliance stakeholders to translate investigation findings into control recommendations, contributing to a measurable reduction in repeat fraud patterns.
Act as point of escalation for ambiguous or high‑risk cases, reducing manager touch‑time on routine reviews and improving team throughput.
Ensure adherence to AML policy, internal controls, and global compliance standards (AML, OFAC, FATF, FCC) across all operational processes.

AUG 2020 —
AUG 2023ENTRY 02

Specialist — Financial Crime Compliance (Transaction Monitoring & Correspondent Banking)

Standard Chartered Global Business Services · Chennai

Investigated correspondent banking transaction alerts for global clients across the US, UK, and Germany — the bank's highest‑scrutiny client segment — applying jurisdiction‑specific AML risk logic.
Redesigned alert triage criteria as part of a monitoring‑rule tuning initiative, reducing false‑positive alerts by 30% while preserving full detection coverage.
Led KYC screening and adverse media reviews using World‑Check, LexisNexis, Accuity, and OFAC sanctions lists, clearing high‑risk and PEP cases each quarter without a compliance breach.
Reviewed customer profiles, legal documentation, and ownership structures to maintain compliance accuracy across trigger‑event and periodic reviews.
Served as SME liaison between compliance and business stakeholders on sanctioned‑jurisdiction and PEP escalations, improving resolution turnaround.

AUG 2017 —
JUL 2020ENTRY 03

Senior Analyst — CMB KYC Remediation

Wipro Limited · Chennai

Delivered KYC remediation for 1,000+ corporate and fund clients, validating structures against prospectuses, annual reports, IMAs, and ownership records — achieving 100% regulatory compliance with zero audit exceptions.
Conducted adverse media and risk screening using Orbis, Bloomberg, Zawya, and OneSource for PEP and UBO identification, escalating high‑risk findings for further review.
Partnered with internal business teams to close documentation gaps, improving remediation file quality and reducing rework cycles.

MAR 2013 —
AUG 2017ENTRY 04

CDD Analyst — Banking Operations

HSBC HDPI · Chennai

Performed Customer Due Diligence (CDD) and KYC remediation for UK and expat retail and corporate banking clients, applying global regulatory standards.
Conducted ongoing monitoring and trigger‑event reviews, using World‑Check and LexisNexis for adverse media and risk screening.
Supported relationship managers and compliance teams in mitigating operational and customer risk — built the AML/KYC foundation this entire career track is built on.

2007 —
2012ENTRY 05

Early Career — Technical & Customer Support

Comodo Security Solutions · Weknow.com · Intelenet (Barclays Process) · Chennai

Delivered technical and customer support for SSL/security products and retail banking account services, building the client‑communication and process‑discipline foundation for the compliance career that followed.

M.Sc. (Integrated), Computer Science & Technology — St. Peter's Engineering College, Chennai (2001 – 2006)

LANGUAGES — ENGLISH · TAMIL · TELUGU · KANNADA

Evidence & Expertise

Core Competencies

Grouped by domain — the tools and disciplines used to build every case above.

AML & Compliance

Anti‑Money Laundering (AML)
Transaction Monitoring
KYC / CDD / EDD
Correspondent Banking
Sanctions & PEP Screening
UBO Identification
SAR Documentation

Financial Crime

Fraud Investigation
Chargeback Investigation
Adverse Media Screening
Risk Assessment
Compliance Monitoring
Audit Readiness

Leadership

Team Mentoring
Stakeholder Management
SME Support
Risk Escalation
Quality Assurance

Professional Skills

Problem Solving
Critical Thinking
Investigation
Documentation
Process Improvement
Compliance Governance

Systems Used

Tools & Platforms

World‑Check LexisNexis Bloomberg Accuity Orbis Zawya OneSource OFAC Lists FATF Frameworks

Sealed & Signed

Certifications

CAMI

Certified Anti‑Money Laundering Investigator

Ponsun Academy, Chennai

ODR

Online Dispute Resolution Mechanism

NISM

SEC

Basics of Cybersecurity

NISM

Closing Argument

Why Hire Me

The findings, in brief.

✓

13+ years of AML & Financial Crime experience across global banking environments.

✓

Global domain expertise spanning correspondent banking across the US, UK, and Germany.

✓

Proven track record at HSBC, Standard Chartered, Wipro & Genpact.

✓

Reduced false‑positive alerts by 30% through monitoring‑rule redesign.

✓

Managed KYC remediation for 1,000+ client profiles, zero audit exceptions.

✓

Built and delivered the AML training program for 50+ new analysts.

✓

Deep, working knowledge of correspondent banking risk and controls.

✓

Consistent record of regulatory compliance across every audit cycle.

✓

Focused on business risk reduction and measurable operational efficiency.

✓

Open to relocation — ready to bring this rigour to a new institution.

Protecting financial institutions from financial crime, one investigation at a time.