BHUMI BHARADWA
Toronto,Canada
Summary
Professional due diligence analyst equipped to bring thorough investigative acumen and risk assessment capabilities to role. Proven ability to collaborate effectively with team members to deliver comprehensive reports. Committed to maintaining high standards and adapting to dynamic work environments.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Anti-Money Laundering (AML) Officer
Toronto Dominion Bank (TD Bank)
09.2024 - Current
- Managed EFTR remediation and ensured accurate FINTRAC reporting for all wire and electronic fund transfers (above and below threshold).
- Investigated beneficiary/requester info using Navaera, CIF/Mainframe, Wealth Desktop, Goldtier, and eDocs to report transactions over $10,000.
- Collaborated with business units to update KYC info and fulfill AML-related RFIs.
- Handled AML/KYC RFIs, CDD, and EDD inquiries raised by the Financial Intelligence Unit (FIU).
- Reviewed and actioned Suspicious Transaction Reports (STRs) and exception trackers, including intermediary wire referrals and STR monitoring reports.
- Actioned requests from the generic mailbox, including EFT recalls/amendments and related record-keeping.
- Supported EFTR remediation project: coordinated with project teams, tested Navaera software, and identified/report system bugs.
- Performed QA checks to ensure alignment with GAML standards and internal controls.
- Conducted detailed KYC reviews; documented findings, maintained case files, and analyzed data to support risk-based decision-making.
- Prepared reports and recommendations to help mitigate AML risk exposures and support regulatory compliance.
Fraud Prevention Officer
Nordia Inc. (Bell Canada)
10.2022 - 09.2024
- Led fraud detection & prevention by leveraging advanced technologies for company integrity & client security.
- Conduct thorough risk assessments & implement proactive strategies to mitigate threats & minimize losses.
- Utilize advanced data analysis to pre-empt fraudulent activities by identifying trends & anomalies effectively.
- Drive adoption of cutting-edge security technologies to enhance operational protection.
- Collaborate across functions & employ investigative techniques to ensure a secure environment & proactive risk management.
Senior Operations Associate
Angel One (Angle Broking)
07.2020 - 07.2022
- Led the review and closure of high-risk AML alerts and enhanced due diligence (EDD) cases, ensuring timely escalation to the compliance team.
- Mentored and trained junior analysts on KYC norms, AML red flags, and use of transaction monitoring tools, improving team accuracy by 20%.
- Assisted in drafting and reviewing Suspicious Transaction Reports (STRs) for submission to FIU-IND, ensuring legal and regulatory accuracy.
- Developed and automated MIS reports to track AML alerts, case status, and operational performance metrics for senior management.
- Acted as a liaison during internal audits and regulatory inspections, providing documentation and clarifications to auditors as needed.
Operations Associate
Angel One (Angle Broking)
02.2018 - 04.2020
- Conducted daily transaction monitoring to identify suspicious trading activities, ensuring compliance with SEBI and PMLA guidelines.
- Performed initial KYC and Customer Due Diligence checks for onboarding retail and HNI clients, validating identification financial documents.
- Investigated low- to medium-risk alerts using internal AML tools and escalated cases to compliance when thresholds were triggered.
- Maintained accurate records of AML reviews and supported the preparation of internal audit trails and regulatory documentation.
- Coordinated with internal teams for resolution of compliance queries related to customer onboarding and documentation gaps.
Education
Masters of Commerce - Banking & Finance
University of Mumbai
05-2019
Bachelors of Commerce - Financial Market (BFM)
University of Mumbai
04-2017
Skills
- Microsoft Office
- SQL
- Decision Making
- Due Diligence
- Fraud Detection
- Conflict Resolution
- Data Based Management
- Critical Thinking
- Analytical Skills
- Investigation skills
- Work coordination
- Strategic planning
- Investigation leadership
- Risk assessment
Certification
ACAMS (Association of Certified Anti-Money Laundering Specialist) In Progress
Timeline
Anti-Money Laundering (AML) Officer
Toronto Dominion Bank (TD Bank)
09.2024 - Current
Fraud Prevention Officer
Nordia Inc. (Bell Canada)
10.2022 - 09.2024
Senior Operations Associate
Angel One (Angle Broking)
07.2020 - 07.2022
Operations Associate
Angel One (Angle Broking)
02.2018 - 04.2020
Masters of Commerce - Banking & Finance
University of Mumbai
Bachelors of Commerce - Financial Market (BFM)
University of Mumbai
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