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

📌 Team Member AML 'Transaction Monitoring ' (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai