Purpose:
- Provide independent second-line oversight, credible challenge and assurance over the Company's Financial Crime Risk framework — spanning Anti-Money Laundering / Countering the Financing of Terrorism (AML/CFT), Sanctions & Screening, and Anti-Bribery & Corruption.
- Ensure financial crime risk is identified, assessed, monitored and mitigated in line with the Prevention of Money Laundering Act (PMLA), IRDAI AML-CFT Guidelines, and Board/Group risk appetite.
- Act as a trusted advisor to the CRO on the Company's financial crime risk posture and control effectiveness.

Main Priorities:
- Strengthen second-line oversight and effective challenge across AML/CFT, Sanctions and ABC controls.
- Keep the Financial Crime Risk Framework and risk assessments current with PMLA/IRDAI regulatory change.
- Build a robust financial crime risk monitoring, assurance and MI capability.
- Drive timely, quality closure of regulatory and audit observations.
- Embed financial crime risk considerations into new product, partnership and technology initiatives.

Qualifications:




- Graduate in any discipline; Commerce, Law or Finance background preferred.
- Postgraduate qualification (MBA / CA / CS / LLB) an advantage.
- A relevant financial crime / AML certification (e.g. CAMS, ICA Diploma in AML, CFE or equivalent) is preferred but not mandatory.

Skills / Knowledge:
- Solid working knowledge of PML Act and Rules, IRDAI AML-CFT Guidelines, and FIU-IND reporting requirements.
- Understanding of global sanctions regimes (UN, OFAC, EU) and screening methodologies.
- Knowledge of Anti-Bribery & Corruption frameworks and their linkage to whistleblowing and conduct risk.
- Familiarity with life insurance products and processes, distribution models, and sector-specific money laundering and fraud typologies.
- Ability to interpret transaction monitoring, screening and CDD/EDD data to identify control gaps.
- Strong written and verbal communication skills for risk reporting to senior committ

📌 Financial Crime (India)
🏢 Aviva India
📍 India