JANARDHANAN VASANTHKUMAR
Summary
Experienced regulatory compliance specialist with 11+ years in financial services, including banking, KPO, and fund administration. Expertise in FATCA and CRS regulations, AML, account onboarding, and client due diligence. Skilled in leading remediation projects, executing tax/compliance reporting, and supporting client lifecycle management. Proficient in managing institutional clients, trusts, and multi-tiered entities. Strong in stakeholder communication, documentation review, sanctions screening, and compliance oversight aligned with global regulations.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Manager – Regulatory Compliance (FATCA/CRS & AML/KYC)
Apex Fund Services (Canada) Ltd.
06.2023 - Current
- Manage regulatory compliance processes related to FATCA and CRS, including due diligence reviews and annual reporting deliverables.
- Review and validate W-8BEN, W-8BEN-E, W-9, and CRS self-certification forms for investor and entity onboarding.
- Lead complex account onboarding of trusts, partnerships, and institutional clients, ensuring documentation alignment with internal policies.
- Oversee AML reviews, conduct sanctions screening, and verify beneficial ownership and source of wealth information.
- Act as escalation point for compliance queries from external auditors, regulators, and internal stakeholders.
- Supervise operational timelines to meet SLA requirements and proactively address potential risks.
- Mentor junior team members and support training sessions on AML compliance and FATCA/CRS documentation standards.
- Identify inefficiencies and implement automation initiatives through UAT and testing of AML systems.
Senior Analyst – Regulatory Client Onboarding
BNP Paribas India Solutions Pvt. Ltd.
03.2021 - 03.2023
- Conducted regulatory due diligence for onboarding institutional clients, including corporations, investment funds, and partnerships.
- Analyzed and validated complex client structures for FATCA/CRS classification and AML risk profiling.
- Coordinated with relationship managers and traders to clear onboarding blocks related to KYC, documentation, and regulatory flags.
- Handled end-to-end onboarding of high-risk and complex entity types, ensuring accuracy and regulatory compliance.
- Participated in large-scale remediation projects addressing missing ISDA protocols, classification data, and legal representations.
- Produced KPI and SLA reports for internal audit and compliance management.
- Supported cross-functional collaboration to standardize onboarding processes and reduce regulatory breaches.
Senior Analyst – FATCA/CRS Due Diligence
Societe Generale GSC Pvt. Ltd.
07.2019 - 02.2021
- Led FATCA and CRS due diligence for the EMEA region by reviewing U.S. tax forms and onboarding documentation.
- Handled onboarding and remediation of complex structures, including financial intermediaries and multi-tier entities.
- Ensured accuracy of client tax classifications using MD3 validation tool and cross-checked with core banking systems.
- Reviewed AML/KYC documentation for consistency with local and group policies and flagged non-compliant cases for escalation.
- Supported integration testing of new compliance systems and contributed to documentation improvements.
Senior Analyst – Enhanced Due Diligence
HSBC EDP India Pvt. Ltd.
05.2017 - 07.2019
- Performed enhanced due diligence reviews on client documentation during remediation and onboarding cycles.
- Validated W-8/W-9 and CRS forms against internal records; supported compliance checks related to AML alerts and transaction reviews.
- Participated in automation testing of onboarding workflows to ensure system accuracy and data integrity.
Business Development Executive
DSRC (Data Software Research Company Pvt. Ltd.)
02.2016 - 04.2017
- Identified client prospects through market research; conducted outreach and scheduled presentations.
- Supported early-stage documentation handover to compliance teams for onboarding.
Relationship Officer
IndusInd Bank Ltd.
06.2015 - 12.2015
- Opened and maintained client accounts; conducted KYC reviews and AML risk assessments during client setup.
- Delivered front-line support for compliance checks and product enrollment.
Process Associate – U.S. Healthcare
Accenture
03.2012 - 09.2013
- Processed client enrollments and verified eligibility and compliance data in the FACETS platform.
- Communicated with healthcare providers to validate records in accordance with U.S. healthcare guidelines.
Education
MBA - Finance & Marketing
SRM University
01.2015
B.Sc. - Computer Science
Guru Nanak College
01.2011
Skills
- FATCA & CRS Regulatory Compliance
- AML Risk Assessment & Due Diligence
- Complex Account Onboarding (Trusts, Funds, Corporates)
- KYC Review & Remediation
- Regulatory Reporting & Quality Control
- Sanctions & PEP Screening (WorldCheck)
- UAT for Compliance Tools
- KPI/MI Reporting & SLA Monitoring
- Cross-functional Team Collaboration
Accomplishments
- Recognized by leadership for streamlining onboarding workflows and enhancing data quality in FATCA/CRS validations.
- Selected for compliance mentorship program and led a successful remediation project covering 1,000+ entity accounts.
- Featured on “Wall of Fame” for exceeding operational performance metrics.
Certification
- FATCA/CRS Compliance Training (Apex Internal)
- AML and Sanctions Screening (BNP Paribas Learning Path)
- MS Office Suite (Excel, PowerPoint, Outlook)
- UAT & Reporting Tool Integration (MD3, internal platforms)
Timeline
Manager – Regulatory Compliance (FATCA/CRS & AML/KYC)
Apex Fund Services (Canada) Ltd.
06.2023 - Current
Senior Analyst – Regulatory Client Onboarding
BNP Paribas India Solutions Pvt. Ltd.
03.2021 - 03.2023
Senior Analyst – FATCA/CRS Due Diligence
Societe Generale GSC Pvt. Ltd.
07.2019 - 02.2021
Senior Analyst – Enhanced Due Diligence
HSBC EDP India Pvt. Ltd.
05.2017 - 07.2019
Business Development Executive
DSRC (Data Software Research Company Pvt. Ltd.)
02.2016 - 04.2017
Relationship Officer
IndusInd Bank Ltd.
06.2015 - 12.2015
Process Associate – U.S. Healthcare
Accenture
03.2012 - 09.2013
B.Sc. - Computer Science
Guru Nanak College
MBA - Finance & Marketing
SRM University
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