Key Responsibilities

- Lead end-to-end transaction monitoring operations across L1 and L2 review teams, ensuring effective allocation, review, escalation and closure of AML alerts within prescribed TAT.
- Provide supervisory oversight on alert investigations, customer and transaction profiling, linked-account analysis, counterparty review, adverse information, red flags and documented conclusions.
- Review and approve complex or high-risk cases, including money mule, cybercrime/I4C, shell entity, layering, trade-based money laundering, cash-intensive, digital-channel, virtual-asset and cross-border transaction typologies.
- Ensure potentially suspicious cases are escalated promptly, Grounds of Suspicion are complete and factually accurate, and STR recommendations are supported by adequate evidence and audit trails.
- Monitor daily productivity, ageing, TAT breaches, branch referrals, reverts, STR pipeline, quality observations and backlog; initiate corrective actions and report material issues to senior management.
- Implement prioritisation and maker-checker controls for high-risk alerts and ensure consistent decision-making across analysts, reviewers and supervisors.
- Coordinate with branches, business units, Fraud Risk, Operations, Legal, IT, Data/Analytics and other stakeholders for enhanced due diligence, information gathering and case resolution.
- Support AML scenario reviews, threshold tuning, alert optimisation, UAT, system enhancements and data-quality remediation while ensuring that control effectiveness is not diluted.




- Identify emerging ML/TF typologies, regulatory developments and operational gaps; translate them into alerts, advisories, process changes, training inputs and targeted reviews.
- Lead responses for RBI/FIU-IND inspections, internal audits, compliance testing and quality reviews, including timely closure of observations and sustainable remediation.
- Develop team capability through coaching, case discussions, calibration sessions, quality feedback, succession planning and structured training.
- Maintain SOPs, process notes, governance trackers, dashboards and management MIS; provide explicit insights on risk trends, control performance and required interventions.

Key Skills & Knowledge

- Deep hands-on experience in AML alert investigation, customer risk assessment, enhanced due diligence, suspicious activity identification, GOS drafting and STR escalation.
- Ability to lead sizable operational teams, manage competing priorities, enforce TAT and quality standards, and handle escalations with sound risk judgement.
- Experience with AML monitoring platforms such as Compass, Actimize, AMLOCK, Jocata or equivalent solutions, along with core banking and case-management systems.
- Strong analytical skills, understanding of data flows and reconciliations, and proficiency in Excel, dashboards and management reporting.
- Excellent written and verbal communication, stakeholder management, decision-making, problem-solving and presentation skills.

📌 Anti Money Laundering Manager (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai